A car accident in Virginia Beach, VA, can bring about multiple challenges for those involved. From navigating the complex legal process to dealing with insurance companies and recovering from injuries, the aftermath of a Virginia car accident can be overwhelming. It often leaves victims feeling lost and unsure of what to do next. Kalfus & Nachman's top-rated Virginia car accident attorneys are here to help you navigate these complexities and advocate for your rights at every step of the claim process. In this article, we will help you gain a clear understanding of your auto insurance coverage and handling offers from insurance adjusters to protect your rights.
Understanding Auto Insurance in Virginia
Understanding auto insurance coverage can help you make informed decisions and pursue fair compensation for any damages and injuries sustained. Let's explore it. Virginia law mandates that all drivers carry car insurance with the following minimum liability coverage in the event of an accident:
For policies effective Jan. 1, 2022 through December 31, 2024
- $30,000: Bodily injury or death of 1 person
- $60,000: Bodily injury or death of 2 or more people
- $20,000: Property damage
For policies effective on or after Jan. 1, 2025
- $50,000: Bodily injury or death of 1 person
- $100,000: Bodily injury or death of 2 or more people
- $25,000: Property damage
However, reviewing your policy is vital to understanding the extent of your coverage, including any optional coverages such as uninsured/underinsured motorist coverage or gap insurance.
Uninsured motorist coverage, often called UM coverage, offers insurance protection in cases where the driver who caused the accident lacks an active auto insurance policy or is underinsured. The UM coverage limits are equal to the liability insurance limits.
Gap insurance can play a vital role in safeguarding your finances after a car accident in Virginia Beach, VA, especially if you owe more on your car loan than the vehicle's current market value. Suppose your car is deemed a total loss by the insurance company. In that case, your standard auto insurance policy may only cover the car's actual cash value, leaving you accountable for the remaining balance on your loan. While gap insurance is not mandatory in Virginia, it can provide valuable financial security and peace of mind, especially for drivers with outstanding car loans.
Handling Insurance Adjusters After a Car Crash
In the event of a car accident in Virginia Beach, VA, your insurance coverage will play a significant role in determining how your damages are compensated. It's vital to promptly notify your insurance company of the crash and provide them with all relevant information. However, insurance adjusters of these big insurance firms often provide lowball offers that may not fully cover all aspects of the victim's losses. Be cautious when speaking with them and refrain from giving recorded statements or admitting fault without consulting an experienced car accident attorney in Virginia. An attorney can help you negotiate fair and maximum compensation for your losses.
Call Kalfus & Nachman Before You Accept Any Initial Offer
If you or a loved one has been injured in a car crash in Virginia Beach Blvd. or anywhere in Virginia Beach, VA, it is imperative to exercise caution when considering any initial settlement offer from the defendant's insurance company. Kalfus & Nachman's seasoned personal injury attorneys' deep understanding of insurance claims and dedication to our client's recovery can dramatically affect the outcome of your situation. Don't endure this challenging time alone; let us fight for your deserved compensation. Call us for a free consultation today: 855-880-8163
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