Who Pays In a Virginia Auto Accident?
When it comes to auto accidents in Virginia, injured people are often confused about whom to send their auto and medical injury bills to. Every car wreck is different with unique circumstances, so who pays the bills depends on several factors.
However, here are some general guidelines to consider:
• If you are the victim or the person who was hit in the accident, the defendant’s insurance company may take care of the property damage. However, if you were at fault, then your insurance company may or may not compensate you for your loss depending on your insurance contract. Moreover, your liability insurance will pay for the other driver’s injuries and damages.
• If you are the victim, the defendant’s insurance company will pay your medical bills at the end of the case. Until then, you will have to pay your own medical bills out of pocket or have your health insurance pay until you receive a settlement. Keep in mind that you may have to pay back your health insurance provider when you do receive the settlement.
• If you are hit by a driver who does not have insurance (which is legal in Virginia), you may recover any auto damages, medical expenses, or lost wages through your own insurance. Uninsured/underinsured motorist coverage is mandatory in Virginia.
Before you deal with your insurance company or the other driver’s insurance company, it is probably in your best interest to contact a lawyer who specializes in auto accidents in Virginia. At O’Bryan Law we will negotiate with the other driver’s insurance company to reach a settlement that is fair and will compensate you for all of your medical and auto bills.