Who Is My Case Against – The Other Driver, Their Insurance Company or My Insurance Company?

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Author: Robert C. T. Reed, Richmond, Va Personal Injury Attorney

People who have been harmed due to someone else’s careless conduct often know they have a right to be compensated for their injuries. But, the source of that compensation can be unclear to those who have not had such a claim before. 

For instance, take a motor vehicle collision between two vehicles without passengers.Both drivers have automobile insurance, and one driver is at fault and the other driver is injured. In this example, the injured driver has a legal right to recover compensation from the at fault driver. The injured driver’s “claim” can include medical bills, lost wages, pain, suffering, inconvenience, and mental anguish. …

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State of Virginia - Insurance Requirements

Author: Robert L. Mertig

To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or pay the "Uninsured Motor Vehicle Fee". Insurance requirements also apply to antique motor vehicles. Virginia requires the following minimum coverage:

- Bodily injury/death of one person $25,000 - Bodily injury/death of two or more persons $50,000 - Property damage $20,000

The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles, (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your…

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