Understanding Uninsured Motorist Accidents in Virginia: Your Essential Guide Navigating the aftermath of a car accident is stressful enough. Discovering the at-fault driver is uninsured adds a layer of complexity and anxiety that can feel overwhelming. In Virginia, as in many states, uninsured motorists are a real problem, and they can leave you with significant medical bills, lost wages, and property damage with no clear path to recovery. This is where your Uninsured Motorist (UM) coverage steps in – a vital protection often misunderstood until it's desperately needed. This article will break down what you need to know about UM accidents in Virginia, offering clear, actionable legal guidance. What is Uninsured Motorist (UM) Coverage in Virginia? In the Commonwealth of Virginia, Uninsured Motorist (UM) coverage is a non-negotiable part of your auto insurance policy. Unlike some states where it's optional, Virginia law mandates that every auto insurance pol...