Encountering an uninsured driver after a car accident can burden victims with unexpected financial challenges. However, with the help of a Richmond uninsured motorist accident lawyer, you can still pursue legal action to recover the compensation you’re entitled to.

Tronfeld West & Durrett has over 50 years of experience advocating for victims in Virginia. With a track record of success in securing substantial settlements and verdicts, we bring the knowledge and resources needed to tackle even the most challenging uninsured motorist cases and fight for maximum compensation on your behalf.

How An Uninsured Motorist Accident Lawyer Can Help

Working with an experienced uninsured motorist accident lawyer ensures you’re not left bearing the financial burden caused by someone else’s negligence. At Tronfeld West & Durrett, our team can evaluate your case thoroughly, help you file claims, and negotiate with insurance providers to maximize compensation.

From navigating car accident settlement discussions to pursuing litigation when necessary, we guide you through every step. As shown in our case results, our attorneys have a proven track record of securing substantial compensation, focusing on building strong, evidence-backed cases that leave no room for doubt about the damages you’ve suffered.

For answers to your questions about a uninsured motorist accident in Richmond, call:
Phone Icon800-321-6741

The Uninsured Motorist Problem in Richmond

Uninsured motorists create significant challenges for accident victims, as they often lack the financial resources to cover medical expenses, vehicle repairs, and other damages in case of an accident.

However, a Richmond car accident lawyer can help you navigate these challenges by utilizing your uninsured/underinsured motorist (UM/UIM) coverage to file a claim or explore other legal avenues for compensation. 

Statistics on Uninsured Motorists in Virginia

According to the Virginia Department of Motor Vehicles, 362,287 vehicle owners were issued insurance verification notices for suspected lack of insurance.

The DMV issued suspension orders for 131,342 of them, who failed to provide valid insurance information or confirm coverage. This highlights the uninsured motorist problem in Virginia and the need for expert legal representation after an accident.

The Financial Burden of Accidents Caused by Uninsured Drivers

Uninsured driver accidents can cost victims tens of thousands of dollars in medical bills, lost income, and property damage.

While traditional car-on-car crashes often allow victims to rely on their own insurance for compensation, other scenarios—such as a Lyft accident or collisions involving pedestrians or bicyclists— present unique challenges. Victims need a legal advocate to effectively navigate insurance claims, negotiate fair compensation, and, if necessary, litigate.

Understanding UM/UIM Coverage in Virginia

Virginia law requires auto insurance policies to include uninsured/underinsured motorist (UM/UIM) coverage, as outlined in Virginia Code § 38.2-2206. UM/UIM coverage provides financial protection to policyholders when the at-fault driver lacks sufficient insurance, which is critical with a 12.1% uninsured motorist rate.

What Does Uninsured/Underinsured Motorist Insurance Cover?

UM/UIM insurance covers your medical expenses, lost wages, and vehicle damage if you’re involved in an accident with a driver who lacks sufficient insurance.

Is UM/UIM Coverage Mandatory in Virginia?

Yes, Virginia requires auto insurance policies to include UM/UIM coverage unless the policyholder explicitly rejects it in writing.

Filing a UM/UIM Claim: Step-by-Step Guide

  1. Notify your insurance company promptly about the accident and your intent to file a UM/UIM claim.
  2. Consult a lawyer to navigate the claim process and protect your rights.
  3. Gather evidence to support your claim.
  4. Determine liability and confirm the at-fault driver’s insufficient coverage.
  5. Calculate damages to determine the claim’s value.
  6. Submit a detailed claim with all supporting documentation.
  7. Negotiate a settlement to reach a fair resolution that reflects the full extent of your damages.

Click to contact us today

How Our Richmond UM Accident Lawyers Can Help

At Tronfeld West & Durrett, we’re here to protect your rights. After an uninsured motorist accident, our team can help you by:

Assessing Your Insurance Policy and Legal Options

One of our first steps is to review your insurance policy to determine the scope of your UM/UIM coverage. We also explore additional legal avenues, such as third-party liability or other potential sources of compensation.

Negotiating Fair Settlements With Your Insurance Company

Insurance companies often try to minimize payouts, even when dealing with their own policyholders. Our attorneys are skilled negotiators who will advocate for a fair settlement that reflects the full extent of your damages.

Litigating in Court If Negotiations Fail

If negotiations don’t result in a fair resolution, we can take your case to court. Our personal injury attorneys have the experience and resources to build compelling arguments that secure maximum compensation. Explore our case results to see how we’ve successfully represented clients in similar cases.

Complete a Free Case Evaluation form now

Common Scenarios in Uninsured Motorist Accidents

Uninsured motorist accidents can occur in various situations, including:

Hit-and-Run Accidents and UM Coverage

Hit-and-run accidents (often caused by reckless behaviors like speeding or drunk driving) leave victims unable to identify the at-fault party. In Virginia, UM policies cover damages caused by these accidents.

Accidents With Drivers Carrying Inadequate Coverage

Underinsured drivers may have some liability insurance, but their coverage limits are often too low to fully compensate victims. UM/UIM coverage bridges the gap between what the at-fault driver’s insurance pays and the victim’s total damages.

Shared Liability in UM/UIM Cases

Virginia’s contributory negligence rule can complicate UM/UIM claims. If the victim is found even slightly at fault, they may be barred from recovering damages. Your attorney will work to minimize allegations of shared liability, ensuring your claim remains strong.

Damages You Can Recover in a UM Accident Claim

  • Medical expenses: Covers treatment, rehabilitation, and ongoing care.
  • Lost wages: Compensates for time missed from work and future earnings.
  • Pain and suffering: Provides compensation for emotional and physical pain.
  • Property damage: Expenses for repairing or replacing your vehicle.

Common Injuries Sustained in These Claims

Steps to Take After an Accident With an Uninsured Driver

Knowing what to do after a car accident helps protect your rights and strengthen your claim. Here are the steps you should follow:

1. Collect Evidence From the Accident Scene

Take photos of the damage, collect contact information from witnesses, and obtain a copy of the police report. 

2. Notify Your Insurance Company

Inform your insurance provider about the accident and your intention to file a UM/UIM claim.

3. Seek Legal Advice Immediately

Consulting an experienced attorney ensures your uninsured motorist claim is handled effectively and maximizes your compensation.

How Long Do I Have to File a UM/UIM Claim in Virginia?

According to Virginia Code § 8.01-244, you have two years from the date of the accident to file a claim.

Contact a Richmond Uninsured Motorist Accident Lawyer Today – Decades of Experience in Virginia

With over five decades of experience in Virginia, Tronfeld West & Durrett is dedicated to securing maximum compensation on your behalf. 

We offer free consultations and we don’t charge any fees unless we win your case! Contact us today to learn how we can help.

Call or text 800-321-6741 or complete a Free Case Evaluation form