FAQ: Is Auto Insurance Required by Law in Virginia?

Authors: Chris B. Cloude, Claims Consultant & Christopher A. Meyer, Esquire

At the personal injury law firm of Allen & Allen, we are often asked if you are required to buy motor vehicle insurance in Virginia.  Technically, the answer is no.  You are not required to purchase auto insurance on a vehicle you register in Virginia.  However, if you do not purchase auto insurance, you are required to pay an uninsured motorist fee of $500.00 per year.[1]   When you register a motor vehicle, you must indicate if the vehicle is insured or not, and pay the uninsured fee if it is not.  If the vehicle is insured, you must have liability coverage with certain minimum limits.  Liability insurance is there to protect…

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New Protection for Claimants Injured in Motor Vehicle Collisions Who Have Health Insurance


Author:  R. Clayton Allen, Richmond, VA Personal Injury Attorney

If you have been injured in a car crash, and have both motor vehicle insurance with medical payments coverage and also have health insurance, a new Virginia law that took effect on July 1, 2013, may give you additional benefits and protection.  This new statute will impact claimants and their health insurance carriers, as well as hospitals and doctors’ billing departments.  To understand how you may be affected, you first need to understand the interplay between health insurance and motor vehicle insurance under Virginia law.

People who are injured in a motor vehicle crash and taken to the hospital emergency room often sign…

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Don’t Drink & Drive This New Year’s Eve - Free Cab Ride Home in Richmond, VA & Charlottesville, VA from Allen & Allen

Once again the personal injury law firm of Allen & Allen is offering an incentive not to drink and drive in both Charlottesville, VA and the metro Richmond, VA area on New Years Eve 2013 – a free taxi ride home. Allen & Allen will pick up the fare for anyone taking a taxi home on New Year’s Eve. “We started this program with the goal of keeping our community and our roadways safe,” said Firm president Trent Kerns. “Anyone who is unable to safely drive home this New Year’s Eve will receive a free sober ride home courtesy of Allen & Allen.”


Partnering with Napoleon Taxi, Allen & Allen will pick up the fare for anyone taking a taxi…

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Safe Driving Tips for the Holidays

R. Clayton Allen, Mechanicsville, Virginia Car Accident Lawyer

Author: R. Clayton Allen, Mechanicsville, Virginia Car Accident Lawyer

With the end of the year holidays upon us, bringing inevitably heavy traffic and , congested highways, a little preparation can help avoid a calamitous and even tragic incident. At this time of year, the roads are full of drivers who are stressed, frustrated, anxious, distracted, or all of these. Here are some suggestions of what you should do before you even leave your house:

PLAN YOUR TRIP: Check traffic reports and weather forecasts before you leave. Bring a paper map, in case your GPS or smartphone are out of range, out of minutes, or out of charge. You may want to have an alternate route planned in advance. PREPARE…

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Practical Tips for Driving in the Snow

As we move deeper into the winter weather season, we can expect more adverse conditions when we are driving.   Winter weather in Virginia brings wind, rain, sleet, and sometimes snow.  The infrequency of snow in Virginia means that many drivers are not used to driving in the snow; for that reason alone, often the safest course of action is to avoid driving on those rare occasions when there’s snow.  Even if you think that you are a skilled (maybe even experienced) driver in snow, don’t forget that a large number of drivers on the road are not.  

Sometimes, however, it’s unavoidable. So, if you have to venture out into the snow, be prepared, use caution, and know how to respond.  Driving in winter conditions is unpredictable.  …

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Passing and Overtaking on Two Lane Roads: Safe Driving


Author: Scott D. Fitzgerald - Richmond, Virginia Personal Injury Attorney

Although less than 20% of the U.S. population lives in rural areas, about 55% of traffic fatalities in the United States occurred there in 2010.  Many of these rural motor vehicle fatalities were on two-lane roads.[1]

An older study based on 2003 data revealed that two-lane primary roads in Virginia accounted for almost half of all traffic fatalities in the Commonwealth.  However, only approximately 1/3 of the estimated miles driven on Virginia roadways in 2003 were on two-lane primary roads.[2]

Serious accidents on two-lane roads occur for a variety of reasons, including driver inattention, excessive speed…

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How Long Will It Take to Settle My Personal Injury Claim?


Frequently Asked Questions - My Personal Injury Case

Author: R. Clayton Allen, Mechanicsville, VA Personal Injury Attorney

How long will it take to settle your personal injury case? At the risk of sounding like a “lawyer answer,” the truth is that it depends. But we can give you a rough idea of how to make an estimate based on a few important factors. Every personal injury case is different, but there is a certain progression of steps that have to be taken in handling and resolving a personal injury claim. The length of these steps can vary, but we have provided some general estimates as a guideline.

The first factor is the type of injuries sustained and the period of…

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The Facts About Distracted Driving

Author: James Mick "Jamie" Kessel - Richmond, VA Personal Injury Attorney

There are roughly 8.2 million people living in Virginia[1], and approximately 5.4 million of them are registered drivers[2]. With this many people on our roads, it's a small wonder that there were only 124,000 reported traffic crashes in 2012[3]. The Virginia Department of Motor Vehicles ("DMV") does give statistics on alcohol and speed related accidents, but doesn't currently give any for accidents caused by distracted driving. However, the US Department of Transportation ("USDOT") does have some national statistics on the issue. It reports that distracted drivers caused or contributed to 10% of crashes involving injuries in the…

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Allen & Allen is ranked Tier 1 in Best Law Firms 2014 by US News & World Reports

On November 1, 2013, U.S. News Media Group and Best Lawyers® announced that the Virginia law firm of Allen & Allen has been honored with a Tier 1 ranking in “Best Law Firms” for Personal Injury Litigation and Medical Malpractice – Plaintiff’s in Richmond, Virginia. The "Best Law Firms" rankings will be published in US News & World Reports later in November. The 2014 “Best Law Firms” list recognizes firms for professional excellence with persistently impressive ratings from clients and peers and signals a unique combination of quality law practice and breadth of legal expertise.

Over 12,000 attorneys provided over 330,000 law firm assessments on which the 2014 Best Law Firms rankings were…

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New penalties for DUI first offenders in Virginia - Virginia Motor Vehicle Laws

By: Kathleen Smith - Fredericksburg Personal Injury Attorney

According to the organization Mothers Against Drunk Driving (MADD), one person in the U.S. dies in an alcohol related collision every 52 minutes.[1] To combat the tragic consequences of driving while under the influence of alcohol (DUI), Virginia joined 15 other states adopting harsher penalties for first time offenders. Other states that have adopted the new, harsher DUI laws have seen a decrease by as much as 52% in alcohol related deaths, and a reduction in repeat drinking and driving offenses by an average of 67%.[2]

The primary change in Virginia law concerning first time offenders was that, as of July 1, 2012, a conviction requires…

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