Virginia follows an “at-fault” insurance system, which plays a significant role in determining compensation in car accident claims. This differs greatly from the “no-fault” insurance system followed by many other states.
Understanding what the “at-fault” system entails can help you navigate the aftermath of an accident more effectively.
What is at-fault insurance?
In an at-fault insurance system, the driver who causes the accident is responsible for covering the damages. This responsibility typically falls on the at-fault driver’s insurance company. When an accident occurs, the first step is determining which driver was at fault. This determination influences who will pay for property damage, medical expenses and other losses resulting from the accident.
How does at-fault insurance work?
After an investigation establishes fault, the at-fault driver’s insurance policy should cover the costs. Virginia law requires all drivers to carry a minimum amount of liability insurance. This coverage must include at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $20,000 for property damage. These minimums are in place to ensure that drivers have the financial ability to pay for the damages they may cause.
How does contributory negligence affect at-fault insurance?
It is important to note that Virginia also follows the contributory negligence rule. If a driver is even partially at fault for the accident, they may not recover any compensation. That is why it is important to gather evidence and present a strong case to prove who was entirely at fault.
Understanding Virginia’s “at-fault” insurance system can help you know what to expect when filing a car accident claim. Knowing the rules and requirements can make a significant difference in the outcome of your case.
