In the state of Virginia, all drivers are required to maintain at least liability insurance or pay the motor vehicle fee for uninsured motorists. The uninsured motorist fee is $500 per year. This fee is applied onto his or her record, and the registration documents imply that he or she is not insured. It does not free the driver of liabilities associated with automobile accidents; the drivers are operating a vehicle at their own risk.
Any driver who presents falsified insurance documentation receives fines in addition to the required $500 uninsured motorist fee and a $145 fee for license reinstatement. Offending drivers are subject to the penalties for three years. If you are facing these penalties after an accident, you should contact an Auto Accident Lawyer Spotsylvania County
.
The Mandated Insurance Requirements
All drivers in Virginia who did not choose to pay the uninsured motorist fee is required to maintain liability insurance. The value of this policy should imply coverage of no less than $25,000 per injury with a maximum of $50,000. The property damage coverage should be no less than $20,000. Although these policies are considered the most inexpensive among automobile insurance, the premiums are higher if a new driver is added to the policy. Teen drivers are classified as high-risk drivers.
If the driver is involved in an accident, the findings of the accident will impact their automobile insurance. If he or she was at fault, their insurance premiums will increase. They are also required to file a claim through an insurance adjuster to provide medical and auto repair coverage for the other drivers and their passengers.
Any drivers who are not insured are required to pay these expenses out of pocket. Victims who do not receive compensation for their injuries can contact an Auto Accident Lawyer Spotsylvania County to file a claim against the uninsured driver. Drivers who fail to compensate the victim out of court could incur extensive penalties through a monetary award. If you were the victim in an automobile accident and did not receive compensation, you should contact Dulaney Lauer & Thomas LLP to represent you in a personal injury claim.
