By: Matthew Tievsky
At the beginning of March, the family of a Moneta, Virginia man who was
killed by a drunk driver, settled their claim with the drunk driver for
a mere $25,000 (before legal fees). Was this the result of bad lawyering?
Or the family’s eagerness to settle as quickly as possible? Not at all.
Court documents reveal that the drunk driver only carried a $25,000 liability
insurance policy, which is all that is required in Virginia – or
the District of Columbia. (Maryland is only a little better, requiring
at least a $30,000 liability insurance policy.)
Unjust results like these demonstrate the need for states to maintain robust
laws requiring liability insurance coverage. Otherwise, when an
auto collision causes serious injury or death, very often the victim is left without
just compensation, because it is very difficult to collect money from
a wrongdoer beyond his insurance policy. Until your local legislature
increases the amount of required insurance, the best way to protect yourself
is by purchasing underinsured motorist coverage, which provides you extra
insurance coverage in the event that you are hurt by someone with a small
liability insurance policy.
If you have questions about how much insurance coverage is available to
compensate you for your injuries, you should
contact the personal injury attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C., for a free consultation.