What happens if I am in a crash and do not have auto insurance in Virginia?
You don’t have to feel confused, scared or alone after an auto accident.
Even if you don’t have insurance…
We know insurance is expensive. Sometimes clients have just not been able to make the payment after losing a job or when they get hit by other hard times.
It’s scary, and you need a way to get to work, help your children and carry on with life. Let us begin by answering a few common questions below. Then consider reaching out to our attorneys at Powell Law Group.
We can help you figure out next steps and make sure you are safe.
I Am The At-Fault Driver And I Do Not Have Insurance
If you cause a crash in Virginia and you do not have automobile insurance, you will be personally liable for any damages resulting from the collision. This includes medical bills incurred by the those who were not at-fault, and costs for any resulting property damage. You may also be subject to criminal/traffic penalties, typically limited to fines.
I Am Not At-Fault And I Do Not Have Insurance
If you are not the at-fault driver, but are injured in a crash in Virginia and do not have automobile insurance, you can still recover for your injuries. As the driver who is not at fault, the defendant’s insurance will be liable for your injuries and medical bills.
I Am Not At-Fault And The Defendant Does Not Have Insurance
If you are not the at-fault driver, but are injured in a crash in Virginia and the defendant does not have automobile insurance, you can still recover for your injuries. If the defendant does not have insurance, your medical expenses can be paid by your own insurance through uninsured motorist /underinsured motorist (UM/UIM) coverage.
It is important to carry insurance when you drive, it not only protects you from liability if you cause an accident, it also protects you from being injured and without redress if you are hurt by an uninsured/ underinsured driver.
Regardless of whether you have insurance, if you are not the at-fault driver, you have options when it comes to recovering from your automobile accident injuries. For help with your personal injury automobile case, call us at 804-794-4030, submit a private form telling us a little about your accident, or chat with us through our on-line system.