Virginia requires all drivers who are operating motor vehicles to carry liability insurance coverage to protect them if they cause an accident. There are maximum limits of this type of insurance in place that drivers must adhere to, but the state still offers strong protection for those in the unfortunate event they are involved in a car accident.
When filing a claim after an accident has occurred, it is important to make sure that the estimated costs and maximum insurance policy limits work together as seamlessly as possible. In this way, any driver looking to make a claim in Virginia can be assured that their needs will be taken care of with financial assistance when necessary – making navigating this process more manageable and stress-free.
What Are Virginia’s Auto Insurance Limits?
Virginians are required to have auto insurance coverage with limits of at least $25,000 for bodily injury per person as well as $50,000 for all persons covered in an accident and a minimum of $20,000 in property damage liability. Furthermore, Virginian drivers must also purchase uninsured motorist benefits with either bodily injury or combined single limits themselves.
It is an important responsibility for individuals to understand their state’s auto insurance requirements and align adequate minimum coverage accordingly so that responsible drivers on the road can be protected from damages caused by those who have not purchased adequate insurance coverage.
What Happens After Crash Claims Reach Policy Limits?
When a claim from a car accident reaches the policy limits set by an insurance company, the responsible party is still liable for any damages incurred beyond the policy limit. In order to pay for these additional costs, other options may need to be considered.
Depending on the severity of the accident and resulting damage, individuals may pursue litigation or funding from another source, such as their own savings or a personal loan. It is important to thoroughly understand all financial obligations associated with car accidents before agreeing to any settlement offers in order to ensure that all parties involved are held accountable and that the costs of repairs or medical treatment are fully covered.
Pursuing an Auto Accident Lawsuit
When faced with a car accident, pursuing a legal claim can be a tedious and intimidating process. Nonetheless, it is essential to understand the importance of consulting a qualified auto accident attorney and filing the correct legal forms in order to successfully pursue an auto accident lawsuit.
Having proper representation and guidance through this difficult time will ensure that all deadlines are met and any breakthroughs remain in the plaintiff's favor.
At Shevlin Smith, we focus on your rights. Our Fairfax car accident attorneys are ready to fight for you.