If you are involved in a car accident in Virginia with someone whose insurance coverage is inadequate for covering your injuries, Virginia law requires that your insurance company cover the rest.
Personally, O’Bryan carries a very high underinsurance coverage to protect himself against people who are underinsured. If, for example, he is badly injured in an accident with someone with only $25,000 in coverage, the other person’s insurance company will pay the first $25,000, and O’Bryan’s insurance company will pay the rest.
If you or someone you love has been injured in an accident, be sure to contact Richmond car accident attorney Wayne O’Bryan at (804) 905-9743.
“If a person is underinsured, and by that I mean if I’m involved in an accident with another driver who has, say, 25,000 dollars of coverage and I have an injury that’s worth, say, 50,000 dollars, twice as much as the coverage that the other party has, then my own insurance policy under Virginia law provides me with what’s called underinsurance coverage, which is protection against people who are driving around with inadequate coverage. It’s a means of protecting yourself against people who are basically irresponsible. Either they’re irresponsible by having no insurance at all or they’re irresponsible by having inadequate insurance, which I feel in this day and time the minimum limits in Virginia of 25,000 is definitely inadequate coverage.
I personally carry a very high underinsurance coverage just to protect myself against that kind of person. In other words, if I’m badly injured and the other person has 25,000 dollars of coverage, the other company will pay the first 25,000. Then my company will step in and supplement that with my underinsured motorist coverage.”
What Secrets Don’t Insurance Companies Want You to Know?
Want to know what hidden secrets insurance companies are keeping from you about your insurance claim? Before you settle for less than you deserve, download a copy of my free book that explains their most common tricks.Download Now »
“ I was very thankful for the personal attention that was given to me by all of your staff. When you go through something like I did in the fire, people’s attitudes can make a difference! Thanks for everything! ”
— Patricia Hedrick
“ I feel that my case was handled in a very quick but professional manner. I was very pleased and would recommend your firm to anyone in need. ”
— Robin Truitt
“ My case was handled in a very professional manner, it did not have any of the more common aggravations. ”
— Thomas Queen Jr.
“ I like you as my lawyer because you are always there when I need you. ”
— Iman Saleem
“ I’m proud to say that the lawyer I had was very professional and took his job very personally. I will highly recommend him to any person. Very honest man, tells you the truth, not what you many want to hear. Prayers are with the company. ”
— Nadine Green