In the unfortunate event of a car accident in Virginia, finding yourself injured due to an underinsured motorist can be distressing.
While you may feel at a loss, you have options for seeking compensation in such situations.
Uninsured/underinsured motorist coverage
If you have uninsured/underinsured motorist coverage as part of your auto insurance policy, this can be a valuable resource. It can help cover your medical expenses, lost wages, and even property damage when the at-fault driver lacks sufficient insurance.
Medical Payments coverage
MedPay is an optional add-on to your auto insurance policy. It can help reimburse medical expenses for you and your passengers, regardless of fault. This can provide immediate relief for medical bills.
Personal Injury Protection
Some insurance policies offer PIP, which covers medical expenses and other accident-related costs, irrespective of fault. Check if your policy includes PIP benefits.
Negotiate with the at-fault driver’s insurance
Even when dealing with an underinsured motorist, their insurance policy could still offer some coverage. You can attempt to negotiate with their insurance company to obtain a fair settlement.
File a lawsuit
In cases where other avenues for compensation fall short, you may consider filing a lawsuit against the underinsured driver. This legal action can help you recover damages for medical expenses, pain and suffering, and other losses.
In 2022, 122,434 crashes occurred on Virginia roads, of which 59,404 people sustained injuries. Faced with the potential long-term effects of motor accident injuries, it is important to document the accident, gather evidence, and keep detailed records of your injuries, medical treatment, and expenses to strengthen your case for compensation.