There are three things that any lawyer is required to do to pursue a personal injury case successfully:
- Personal injury attorneys Virginia Beach must be able to establish negligence that caused the injury.
- They should have enough evidence to prove that the at-fault party caused the injuries sustained by their client.
- The victim should have insurance coverage to cover the expenses of personal injuries.
Most auto accident lawyers believe that it’s difficult to pursue a personal injury case if there is no insurance coverage to compensate the victim. An insurance policy allows a person to handle the financial losses and expenses incurred due to an accident.
Let’s understand how insurance coverage helps you with your personal injury claim.
Say, for example, you have car insurance. If your car is hit by another car in a car crash, the car insurance policy will protect the at-fault driver. The insurance company will also compensate for all those injured in the accident. According to the law in Virginia, you will be required to sue the at-fault driver who caused the accident; their insurance company will cover the losses incurred by you. There is a limit for coverage, which depends upon the nature of the insurance policy.
Although it’s mandatory, not all drivers have insurance coverage. What if the at-fault driver is uninsured? What happens in such cases? Even if the at-fault driver has an insurance policy, what if the policy is not enough to cover the damage caused to you?
Under Virginia Law, there are automobile insurance laws that safeguard the interests of the injured victims of vehicle accidents. In the absence of proper insurance policy, the personal injury attorney Virginia Beach VA looks for the injured victim’s insurance policy. Lawyers look for Uninsured and Underinsured Motorist Coverage or UM/UIM coverage.
Uninsured motorist coverage safeguards the injured person’s interests in case the at-fault driver doesn’t have insurance coverage. While on the other hand, the underinsured coverage offers extra protection to the motor accident victims when the at-fault driver’s insurance coverage is insufficient to compensate for the losses.
The UM/UIM coverage is part of the injured person’s insurance policy. The UM/UIM coverage covers the difference in the injured person’s losses and coverage offered by the at-fault driver’s insurance policy.
For instance, if you get into an automobile accident and the at-fault driver doesn’t have insurance coverage, and your personal insurance policy offers you $10,000 in UM/UIM coverage, you will have that much amount to compensate for your injuries.
There are times when the at-fault driver still doesn’t have enough to compensate for the injuries. An asset search on the driver is done to look for assets that can compensate for the damages. It has been noted that people who don’t have insurance coverage also don’t have enough assets to pay for the injuries.
The unavailability of the assets and insurance coverage makes it difficult for one to reach the final settlement. Even if you win the case against the other party, they can declare themselves bankrupt. This will absolve the judgment.