According to Virginia’s financial responsibility laws, you need to have car insurance before to buying a vehicle. Drivers don’t always know exactly when they should purchase car insurance, so here are a few tips
Last year Virginia DMV suspended the licenses of over 432,000 Virginia drivers for not being able to pay fees related to driving fines. Many of these people have not stopped driving, which means that more and more Virginia drivers are driving without any kind of insurance.
Many people are losing their jobs and are unable to pay the fines they get for traffic tickets. A lot of them are still driving to look for work or keep the jobs they have and thus there are more uninsured motorists on the road now. The problem is getting worse every day and is leading to an increase in hit-and-run accidents.
It is very important for you to
make sure that you have enough uninsured motorist insurance because your chances of getting in a wreck with an uninsured motorist is increasing every day. Please read my library
article about the importance of having plenty of uninsured motorist insurance. One bad accident where you are hit by an unisured driver could lead to hundreds of thousands of dolars in medical bills and bancruptcy for you and your family.
Please protect yourself, the cost is minimal and the risks are increasing every day.
My client Janice R. was a passenger in a vehicle that was hit by an uninsured motorist while driving down Chamberlayne Avenue in northside Richmond, Virginia. Janice had $100,000 in uninsured motorist coverage under her own auto policy. Her own insurance company was being difficult about paying Janice for her injuries even though her medical bills exceeded the coverage they afforded her.
She came to see me and I took over negotiating Janice’s claim. I had a real advantage over Janice when it came to negotiating with her insurance company – I have handled thousands of cases and, of course, this was Janice’s first claim like this.
After wrestling with the adjuster until she realized I was not going to give in to her tricks, we were able to settle the claim for the full $100,000.00 due Janice. Needless to say, she was thrilled with that result.
See her video here.I just posted a new library article about uninsured motorist coverage. Virginia is one of the states that does not require drivers to have insurance. What would you do if you were injured in an accident by a driver with no insurance? Could you afford the medical bills that even a minor injury can cause?
You should make sure you have enough uninsured motorist coverage, I urge you to review your policy and get as much UM coverage as you can afford. Higher coverage is not much more expensive and you may need to use it someday.