Fairfax Uninsured Motorist Accident Lawyers

Virginia Underinsured Motorist Accident Attorney

Have you been injured in an accident, and the negligent driver has no insurance? Unfortunately, it is common for drivers in Maryland to drive without insurance or drive with the minimum amount of insurance provided by law. If you are seriously injured, however, the minimum insurance coverage of the negligent driver will likely not cover your injuries.

If you or a loved one has been injured in an accident, contact Hilton & Somer, LLC today. We will immediately begin investigating the accident and review your insurance policy. Call our Fairfax under-insured motorist accident attorneys at 703-560-0700. Se habla Español.

Uninsured and Underinsured Motorist Claims at a Glance

• Virginia minimums rose in 2025. For policies effective on or after January 1, 2025, Virginia’s minimum liability coverage is $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage (Va. Code § 46.2-472).
• Minimums rarely cover a serious injury. Hospital stays, surgery and lost wages can quickly exceed $50,000, which is where your own UM and UIM coverage comes in.
• Your own policy pays, but your insurer is not on your side. In an uninsured or underinsured claim, your insurance company steps into the shoes of the at-fault driver and can dispute fault and damages.
• Hit and run crashes can be covered. Uninsured motorist coverage can apply when the at-fault driver cannot be identified, but the crash should be reported to police and your insurer promptly.

When the person who caused the car crash does not have any insurance or inadequate insurance, you can look at your insurance policy for the coverage you need to cover your injuries. At Hilton & Somer LLC, our experienced attorneys will help you find coverage for your injuries. We will review your insurance policy thoroughly. We have extensive experience with uninsured and under-insured motorist claims and know the insurance laws and how to interpret insurance policies. We strive to maximize your ability to collect damages from your own insurer to cover your injuries. Our attorneys are experienced in handling personal injury cases involving all types of traumatic personal injuries, including:

• Wrongful death
• Traumatic brain injuries
• Back, neck and spinal cord injuries
• Injuries to children
• Amputations
• Paralysis
• Burns

Fairfax Uninsured Motorist Accident Lawyers

To learn more about how our experienced uninsured and underinsured insurance claim lawyers can help you, contact Hilton & Somer, LLC at 703-560-0700. All cases are handled on a contingency basis, meaning you pay no attorney fees unless we are successful in obtaining compensation for you.

Areas We Serve

Hilton & Somer is based in Fairfax, Virginia and represents injured clients throughout Northern Virginia, Washington, DC and Maryland, including:

• Northern Virginia: Fairfax, Arlington, Alexandria, Springfield, Manassas, Annandale, McLean, Falls Church, Centreville, Leesburg, Fredericksburg and Charlottesville, plus Fairfax, Loudoun, Prince William, Stafford, Spotsylvania, Fauquier and Culpeper Counties
• District of Columbia: Washington, DC
• Maryland: Bethesda, Silver Spring, Oxon Hill and College Park, plus Montgomery, Prince George’s, Anne Arundel, Howard, Frederick and Washington Counties

Uninsured Motorist FAQ

What is the difference between uninsured and underinsured motorist coverage?

Uninsured motorist coverage pays when the at-fault driver has no insurance or cannot be identified, as in a hit and run. Underinsured motorist coverage pays when the at-fault driver has insurance, but not enough to cover your damages.

What are the minimum car insurance limits in Virginia?

For policies effective on or after January 1, 2025, Virginia requires at least $50,000 per person and $100,000 per accident in bodily injury liability coverage, plus $25,000 in property damage coverage. Before 2025 the minimums were $30,000, $60,000 and $20,000.

Can I file a claim if I was hit by a driver with no insurance?

Yes. You can file an uninsured motorist claim under your own auto policy, and in some cases under the policy of a household family member. Your insurer will evaluate the claim as if it were defending the at-fault driver, so documentation and legal guidance matter.

What should I do after a hit and run accident in Virginia?

Call the police and report the crash right away, get medical care, photograph the scene and your injuries, look for witnesses or nearby cameras, and notify your insurance company promptly. Delays in reporting can jeopardize an uninsured motorist claim.

Will my rates go up if I file an uninsured motorist claim?

When the other driver was at fault, an uninsured or underinsured motorist claim is generally not treated as an at-fault accident on your record, though practices vary by insurer. Talk with an attorney before giving your insurer a recorded statement.