Richmond Insurance Claims Attorney
The first minutes after a car accident are often chaotic. Once the initial shock has worn off, and pending any severe injuries, both drivers usually exchange contact information, including insurance information. This is not just a formality, but it is so both parties can discuss the accident with their respective insurance companies (in addition to filing a police report), and the companies will then determine which driver was responsible and which driver should be receiving a settlement offer. This process can be quite lengthy, but in clear cut cases of responsibility, insurance companies tend to move quicker. If you’ve been in a car accident in Virginia and need assistance in dealing with insurance, contact a Richmond insurance claims attorney.
Insurance Claims in Virginia
Motorists in Virginia are not required to have car insurance. The Virginia Department of Motor Vehicles recommends that all drivers have vehicle insurance, but a penalty will not be imposed on a motorist who does not hold insurance. Instead, the driver must pay the Department of Motor Vehicles a fee of $500. This fee does not provide any insurance or liability assistance in the case of an accident, but only allows drivers to operate a vehicle without insurance at their own risk. This is an annual fee which must be renewed each year along with vehicle registration.
If a driver does not have insurance and does not pay the required state fee, the driver may be subject to severe penalties, as well as potentially surrender their license plates to the state. If you have been involved in an accident with an uninsured motorist, it is important to speak to a Richmond car accident lawyer soon after your accident so you can understand the process of walking through the various claims after the accident.
Virginia Personal Injury Claims
After most motor vehicle accidents, the insurance company of the responsible party will jump in directly to attempt to negotiate a settlement. Keep in mind that insurance companies are in the business of making money – they do not necessarily care about your well-being and often have no qualms about approaching you during recovery. It is important to speak with an attorney during this time who can better advise you on what an outcome would be from a personal injury claim versus what the insurance company is offering. Virginia is a strict contributory negligence state – meaning that if the victim driver was even 2 percent at fault for the accident, there will be no available personal injury claim recourse. In these situations, it is better to settle with the insurance company, although a Richmond insurance claims attorney can also better assist you in negotiating the settlement to be closer to the true cost of damage.
Christina Pendleton & Associates | Richmond, VA Insurance Claims Lawyers
If you or a loved one were recently involved in an accident and have questions about filing an insurance claim, do not hesitate to contact the attorneys at the Richmond personal injury law firm of Christina Pendleton & Associates. Our lawyers have assisted numerous clients in either working with insurance companies to negotiate a settlement or filing their own personal injury claims. We will outline both options during our discussions with you, to ensure you come to the decision that is the best option for you and your family. For your initial free consultation, contact us today.