Why Your Insurance Coverage Matters After Crashes That Weren’t Your Fault
When you’re hurt in a crash that wasn’t your fault, you may think that all of your accident-related expenses will be covered by the other driver’s insurance. And that often ends up being the case for many victims. But there’s a good chance you won’t be able to rely on the other driver’s insurance to pay for your bills, especially if their coverage is insufficient—or nonexistent.
Around 10% of all drivers in Virginia don’t have any insurance, and many more have the bare minimum of coverage, which is $25,000 per injured person. That means that there’s a good chance the driver who caused your crash will either have no insurance, or only enough coverage to pay for some of your medical bills and lost wages.
That’s why purchasing two additional forms of insurance can be critical. The first is called uninsured/underinsured motorist coverage, and it kicks in when the at-fault driver’s insurance is insufficient or nonexistent. These types of insurance are mandatory in Virginia, but you can purchase additional coverage that will go above and beyond what these mandatory policies typically provide. You can also purchase Medical Payments coverage, which will give you money towards your medical bills—even if you’re at fault for the crash.
Of course, getting any type of compensation after a crash can be difficult, especially when you’re going through an insurance company, whether it’s yours or the other driver’s. That’s where we come in. Our Roanoke auto accident lawyers can help you get the money you’re owed. Contact Skolrood Law Firm today for a free consultation.