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How do I know if I have enough coverage, if an uninsured driver causes my Virginia car accident?

 

A: No one really considers the true costs of a Virginia car accident, until it happens to him or her. When you were sitting down with your insurance agent, $100,000 in uninsured motorist coverage might have sounded like plenty of money in the event of an accident. However, once you are hurt, the medical expenses add up quickly, especially if surgery or ongoing treatment is required.

You owe it to yourself to take a few minutes, today preferably, to go through your insurance policy to confirm that you have enough uninsured or underinsured motorist coverage. Don’t take your insurance agent’s word for it – you need to see for yourself if you are adequately insured.

Our law firm typically recommends that you purchase $1 million in uninsured motorist coverage. You may be surprised to discover that your premium is hardly impacted. We had one client whose premium went from $537.10 to only $545.67, when she added an additional $900,000 in coverage.

For additional information, order a copy of Virginia car accident attorney Ben Glass’s book, Buying Car Insurance. You should also read the article, You Could Be Driving Around Virginia Unprotected & Headed for Financial Ruin, to learn more about uninsured motorist coverage.


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