Auto accidents involving uninsured and underinsured drivers can be anxiety-inducing and extremely stressful. Your mind may be inundated with legitimate questions and concerns about how you will be able to recover physically and financially.

Depending on your coverage, you will probably be able to pursue compensation from your own auto insurance policy. In some cases, you may not be able to recover fair compensation following an accident with an uninsured motorist.

What Virginia Law Says

Virginia law states that, after a car accident, the at-fault driver is liable for any injuries or damages they caused. That money, however, does not always come directly from the other driver. Where a Virginia personal injury claim is concerned, your lawyer will first review the at-fault driver’s insurance policy.

If their auto insurance coverage is insufficient or they do not have insurance, your Virginia Beach car accident lawyer will go to work reviewing your personal auto insurance policy to determine if you have uninsured/underinsured motorist coverage.

One question that a lot of Virginia Beach car accident victims ask is whether or not they are allowed to seize any assets of the at-fault motorist to compensate them for their harms and losses. While this is technically possible, it is highly unlikely that doing so will enable you to secure a full financial recovery. The truth is, if a driver is unable to pay for proper auto insurance, then it is unlikely that they have sufficient assets to properly compensate you for your harms and losses.

Although, ultimately, the at-fault driver is liable for covering the injuries and other damages they cause in a Virginia Beach car accident, insurance carriers will play a significant role in covering these expenses.

All drivers should carry generous auto insurance coverage to ensure their own and others’ protection after being involved in a car accident.