Uninsured and Underinsured Motorist Coverage in Virginia - GibsonSingleton Virginia Injury Attorneys
Note sull'episodio
From GibsonSingleton Virginia Injury Attorneys - Uninsured and Underinsured Motorist Coverage in Virginia explores how UM and UIM coverage can protect injured drivers when an uninsured, underinsured, unknown, or hit-and-run motorist causes a crash in Gloucester County or anywhere in Virginia. This episode explains why these policies matter, especially with Insurance Research Council data showing Virginia’s uninsured motorist rate at 12.9%, and how a serious accident can leave victims facing medical bills, lost wages, property damage, pain and suffering, or permanent disability when the at-fault driver has little or no coverage.
The discussion breaks down the difference between uninsured motorist coverage and underinsured motorist coverage under Virginia Code § 38.2-2206, including what counts as an uninsured vehicle, how phantom vehicle and hit-and-run claims work, and when UIM coverage fills the gap after the at-fault driver’s policy is exhausted. It also reviews Virginia’s minimum coverage requirements under § 46.2-472, the 2025 limits of $50,000 per person, $100,000 per accident, and $25,000 for property damage, as well as reduction elections, stacking issues, policy priority rules, written notice, releases, arbitration, and the two-year deadline under § 8.01-243.
Listeners will also hear why UM/UIM coverage is especially important on Gloucester County roads such as Route 17, Route 198, Route 14, Hickory Fork Road, Guinea Road, Ware Neck Road, T.C. Walker Road, and other routes near Gloucester Point, the Coleman Bridge, the York River, the Chesapeake Bay, and Hampton Roads. The episode walks through what to do after a crash with an uninsured driver, from calling 911 and documenting the scene to notifying your insurer, preserving medical records, avoiding recorded statements, and speaking with an attorney before accepting a settlement.
Led by Ken Gibson and John Singleton, GibsonSingleton Virginia Injury Attorneys represents accident victims across Hayes, Gloucester, the Northern Neck, the Middle Peninsula, Mathews County, York County, James City County, Newport News, Hampton, and throughout Virginia. With Ken Gibson’s background in the U.S. Department of Justice, Norfolk prosecution, the United States Marine Corps Reserves, and Gloucester community leadership, along with John Singleton’s insurance defense experience, Marine Corps service, and work in the Ninth Judicial Circuit, this episode shows how the firm helps clients hold insurers accountable and pursue the compensation their policies promise.
GibsonSingleton Virginia Injury Attorneys
4073 S George Washington Mem Hwy, Hayes, VA 23072, United States
(804) 413-6777