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New Car Insurance Mandatory Minimums in Virginia

 Posted on March 31, 2025 in Car Accidents

Fairfax County, VA personal injury lawyerA new law that came into effect in January 2025 increased the mandatory minimum for auto insurance in Virginia. All drivers are now required to carry at least $50,000 of insurance coverage to cover bodily injuries or death to one person, $100,000 for two people or more, and $25,000 for any damage to property.

These minimum insurance amounts are intended to protect car accident victims from financial hardship. But what happens when the minimum amount of coverage is simply not enough for your damages? Worse, what if the other driver has no insurance at all? At Whitlock Law, our Virginia car accident lawyers can fight for your right to fair, full compensation through an uninsured or underinsured motorist (UM/UIM) claim.

When To File a UM/UIM Claim

If you have been struck by a driver whose insurance policy does not meet the new mandatory minimums of $50,000 for injuries and $25,000 for property damage, you can file an underinsured motorist claim through your own insurance policy. Even if the driver does meet the minimum amount, you may still be able to file a UIM claim for additional compensation.

As the name suggests, you can file an uninsured motorist claim against drivers without any valid insurance policy. However, you can also file an uninsured motorist claim if you were the victim of a hit-and-run and the other driver cannot be found. It is generally advisable to call the police after any car accident, as they may be able to track down the driver at fault and get his or her insurance information.

What Compensation Can I Get in a UM/UIM Claim?

In an uninsured or underinsured motorist claim, you can get compensation for a variety of damages, including medical expenses, car repairs, lost wages, and even non-physical damages like pain and suffering. At Whitlock Law, we can advocate for a full settlement or verdict that meets your needs after a car crash.

Something to keep in mind with any injury claim in Virginia is the law of contributory negligence. This means that if you were found to be even slightly at fault for a car crash, you could be denied compensation. Your insurance provider may attempt to avoid paying you by invoking this law. Our firm will gather evidence to support your case, working hard to avoid being assigned liability on your end.

Contact a Fairfax, VA Car Accident Attorney Today

Finding out that the driver who hit you has no insurance can give you cause for panic. At Whitlock Law, our Fairfax, VA personal injury lawyers can help you file a UM/UIM claim through your own insurer so that you are not left without a solution. Call our offices at 703-576-5005 to schedule a consultation today.

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