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Uninsured/underinsured motorist coverage is not required in Virginia, but drivers who have it on their policy must ensure coverage limits are in compliance with the new liability limit laws ...
Uninsured/Underinsured motorist coverage (UM/UIM): ... If you can afford it, many insurance experts recommend that you purchase more than the minimum amount of coverage required in your state, to ...
Uninsured/underinsured motorist coverage. Protects you if you're hit by a driver who either has no insurance or whose liability coverage limits are too low to pay for your damages.
Most states require a victim to sue the uninsured motorist (or a fictitious John Doe hit and run driver when litigating the second category of uninsured motorist claim) for his injuries in order to prevail on a breach of contract action against the insurance carrier. Some states, such as Virginia, require that the victim actually obtain a ...
This coverage is often overlooked and very important. In Colorado, for example, it was estimated in 2009 that 15% of drivers were uninsured. [11] Usually the limits match the liability limits. [citation needed] Some insurance companies do offer UM/UIM in an umbrella policy.
Virginia drivers are required to carry the state’s minimum insurance coverage or pay the DMV an uninsured motor vehicle (UMV) fee of $500 at every registration renewal. ... motorists to only ...
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