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Which insurance pays in a Virginia car accident

Ben Glass
Ben Glass
Attorney
(866) 735-1102 Ext 320
Posted by Ben GlassDecember 12, 2008 7:29 PM
Tags: virginia car insurance
2 CommentsPrint ArticleSubscribe

Talked to a couple of folks this week and discovered that there is still a great misperception about which insurance companies to send the bills to after an accident. Here's my thoughts.

  1. the defendant's insurance company--the guy who hit you--may take care of your property damage promptly, but if they don't, contact your own insurance company
  2. the defendant's insurance company is not going to pay your medical bills piecemeal..they aren't going to pay now..they are only going to pay at the end of the case
  3. submit your bills to your own health insurance company
  4. submit your bills to your own car insurance company

One couple had not bought medical payments on their car policy. This is being penny- wise and pound -- foolish.

Another had only bought the minimum auto coverage ($25,000). This is a real risk. If the guy who hit you has no insurance (perfectly legal in Virginia) you are likely to not get a full recovery unless you have bought plenty of insurance for yourself.

2 Comments

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Virginia Bicycling Federation
Posted by Virginia Bicycling Federation
December 14, 2008 4:03 PM

Driving without insurance in Virginia is *not* "perfectly legal." In lieu of insurance, one is required to post a $25,000 bond with the DMV. The result is the same as having the required minimum insurance policy.

Ben Glass
Posted by Ben Glass
December 14, 2008 5:05 PM

Thanks for commenting but you are 100% wrong. There is no $25,000 bonding requirement "in lieu of insurance" in Virginia.

In fact, the process is that you pay a fee of $500 to register an uninsured car. The DMV and Virginia state law is quite clear that this does not provide insurance to anyone and is in no way a bond.

The DMV link with this info is More ...

If you have a link regarding the $25,000 "bond" we'd love to hear about it. Its this sort of misperception about insurance that leads many people to be underinsured.

Again, thanks for commenting.

Comments for this article are closed.

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