What is Uninsured and Underinsured Motorist Insurance Coverage? Do I Need This Type of Coverage?
What would you do if you were injured in an automobile only to find out that the driver who hurt you had no automobile insurance? Virginia, like many states, does not require drivers to have automobile insurance. Even in states where insurance is required many drivers are minimally insured. Many look no further than what the monthly premiums will be in order to determine what amount of liability coverage to buy. They simply do not care if they hurt someone.You can protect yourself. Review your own automobile insurance policy. You will find a “declarations page” which lists the various coverages you have along with the premiums you are paying for each. If you cannot find your declarations page, call your agent and get her to send you a copy.The two most important items on that page are the limits of the liability coverage and the uninsured/underinsured motorist coverages. It will usually say something like $25,000/$50,000, or $100,000/$300,000 or $300,000/$500,000. Liability coverage is
