FAQ: Car Accident in Virginia: Not at Fault, But I Have No Insurance

I was in a car accident in Virginia, but I do not have car insurance. I am not at fault, though. Can I still get money for my injury and damages to my car?  

Although you do not carry insurance, it is not considered a “fault” in the state of Virginia.  You can still file an injury or damage claim with the other party’s insurance company. At the time of the accident you should have collected the other driver’s personal information including their insurance information. You can contact the insurance company on your own or hire an experienced Virginia car accident lawyer.

If you go ahead and file the claim yourself, but the other driver’s car insurance company refuses to pay, do not give up. Car insurance companies will often do this. Dealing with them can be a hassle and very time-consuming. We recommend reading our free accident injury book to help you with your case, “Hidden Inside Secrets Big Insurance Companies Don’t Want You to Know About Your Injury Claim“.

We understand that due to financial reasons you may not be able to purchase liability insurance, but you are putting yourself at an even greater financial risk by not carrying insurance. If you are in an auto accident in Virginia and you were at fault, you would have to pay out of pocket for any injury or damages to other parties.   

FYI:  The state of Virginia requires the following minimum car insurance coverage:

• Bodily injury/death of one person $25,000
• Bodily injury/death of two or more persons $50,000
• Property damage $20,000