We Have Three Convenient Office Locations In Northern Virginia   |   Manassas, Fairfax, and Warrenton

View Our Locations
Best Lawyers Award Badge 2022

Local: 703-659-1961
Toll-Free: 866-719-4394

CALL TO SCHEDULE A FREE CONSULTATION
We Operate On A Contingency Fee Basis

9253 Mosby Street | Suite 100
Manassas, VA 20110

Best Lawyers Award Badge 2022

Local: 703-659-1961
Toll-Free: 866-719-4394

CALL TO SCHEDULE A FREE CONSULTATION
We Operate On A Contingency Fee Basis

9253 Mosby Street | Suite 100 | Manassas, VA 20110

In light of the COVID-19 pandemic, we are offering virtual consultations for all our existing and new clients. Call or Email or us to start the process, and we will schedule the initial consult to take place via Facetime, Skype, Zoom, Teams, or other services based on client needs.

Commitment To Clients, Commitment To Results
For more than 30 years, injury victims in Northern Virginia have placed their trust in The Law Offices of Locklin & Coleman, PLLC

What happens when an uninsured Virginia driver totals your car?

You may feel fortunate to have experienced a major car crash and avoided severe injuries. Some people experience life-altering medical consequences after a crash they didn’t even cause. Walking away with only minor scrapes and bruises could make you feel most fortunate indeed.

However, the damage to your vehicle can cause hardship and stress. The insurance company may declare your vehicle a total loss if there is damage to the frame or the axles. Such a determination means that you cannot legally drive your vehicle or insure it.

You will have to replace it. The cost to buy even a used vehicle could be tens of thousands of dollars, possibly even more depending on your needs. What happens if the driver who totals your vehicle does not have car insurance?

Many drivers break insurance laws in Virginia

As you know because you pay for your own motor vehicle coverage, state law mandates that you carry liability coverage on your vehicle. Although you may have bought a policy when you had your first vehicle and have potentially even increased your coverage as your income has increased, not every driver makes such responsible choices.

The sad truth is that many drivers, either through intentional actions or forgetfulness, allow their insurance coverage to lapse. Compared to many other states, Virginia has a relatively low rate of uninsured drivers on the road. In 2019, the most recent year with data available, roughly 10.5% of Virginia drivers didn’t have coverage at any given moment.

If you get into a crash caused by one of these drivers, there won’t be any liability insurance to reimburse you for your expenses. 

Seeking compensation after a crash with an uninsured driver

You may still have the option of filing an insurance claim if your own coverage includes uninsured motorist protection.

Virginia law requires that auto insurance policies carry uninsured motorist coverage. This type of coverage helps to protect you when injuries or damages are caused by a third party without any liability insurance. It is important to make sure that you have sufficient uninsured motorist coverage.

Understanding the options available for compensation after a crash can minimize your personal financial losses from a wreck.

Archives

FindLaw Network