What If You Don’t Have Car Insurance Either?

Suppose you are injured in a car accident by someone without car insurance, but you then realize that the car you were in also didn’t have insurance.  You can find yourself in this situation if you forgot a payment and didn’t realize your coverage was canceled, or you assumed the car you were in, or borrowed, had insurance, but didn’t.

You may still have uninsured motorist coverage available to you.  If the car you occupied didn’t have insurance, but you have a personal policy of your own, that uninsured motorist coverage will follow you and provide coverage.

Virginia car insurance laws also often allow you to use the uninsured motorist coverage of resident relatives.  For example, suppose you are a passenger in a car involved in an accident and you are badly injured, and neither driver has car insurance.  You also have no car insurance, but you live with your mother, father, aunt, or any other relative by blood or marriage, and they happen to have a car with uninsured motorist coverage. That relative’s uninsured motorist coverage will likely have to compensate you for your injuries and other damages.

Virginia insurance laws are complicated.  It is important that you consult with a Virginia personal injury lawyer and do a full insurance coverage investigation if you have been seriously injured in a motor vehicle accident.  Finding and pursuing all sources of insurance coverage is a very important step in making sure you are fully and fairly compensated for your injuries.