In Virginia and its nearby states, the law requires that negligent drivers pay compensation to their victims when they cause injuries. Most people likely see this result as only fair.
Also, victims usually need this compensation to pay their accident-related bills and cover for lost income. The compensation supports victims and their families in a stressful time that should not also be an occasion for a financial crisis.
Motorists in Virginia are supposed to have insurance or some other way to pay for their negligence. However, many drivers still choose to operate without insurance.
Also, after a significant accident, even a driver with minimum insurance likely will not have nearly enough coverage to pay the compensation they owe. Likewise, the driver may have no other means of paying out-of-pocket for the injuries they caused.
Automobile insurance companies are supposed to offer their customers an option to buy uninsured/underinsured motorist coverage. This coverage offers a policyholder some additional protection when the driver who injured them cannot pay compensation even though legally they owe it.
In these situations, a driver may file a claim with their own insurance carrier to seek additional compensation.
Giles County accident victims should know their options if the driver is uninsured
When the responsible driver cannot pay, and an accident victim has uninsured/underinsured coverage, they may choose to file a claim for these benefits.
As is the case with any claim, an insurance company may deny the claim or may offer a settlement lower than what the victim needs. Victims in this situation will want to understand their legal options.
Also, even if they do not have uninsured/underinsured coverage, victims may have other options for pursuing compensation for their injuries.