Uninsured / Underinsured Motorist Claims

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Uninsured / Underinsured Motorist Claims Attorney in Alexandria, Virginia

Securing Full Compensation When the At-Fault Driver Isn’t Fully Covered

When a careless driver causes a car accident, they should be held accountable. But what happens when the responsible party has little or no car insurance? A valid claim for damages for medical bills, lost wages, and pain can quickly become a dead end.

At Hollingsworth PLLC, we help injured drivers in Alexandria and throughout Northern Virginia pursue the compensation they deserve directly from their own insurance company through their Uninsured/Underinsured Motorist (UM/UIM) coverage.

This is more than just navigating a claim. It’s about making sure your insurance company keeps the promise it made to you to protect you in a worst-case scenario. We fight to ensure your recovery is not limited by the negligence of a third party.

What Are Uninsured/Underinsured Motorist (UM/UIM) Claims in Virginia?

A UM/UIM claim is a specific type of legal action filed against your own car insurance company when you are injured by:

  • An Uninsured Driver (UM): A driver with no liability insurance at all, which is illegal in Virginia.
  • A Hit-and-Run Driver: The at-fault driver is never identified, common in Alexandria and other busy urban areas.
  • An Underinsured Driver (UIM): A driver who has liability insurance, but the policy limit is too low to fully cover your resulting injuries and damages.

In a UM/UIM claim, your own insurance company effectively steps into the shoes of the negligent driver to pay the damages they should have covered, up to the limit of your UM/UIM policy.

Important Note: Even though you are filing a claim with your own company, they are often adversarial. Our role is to treat them as the opposing party and aggressively advocate for the full payout you are owed.

Common Scenarios Leading to UM/UIM Claims in Alexandria, VA

At Hollingsworth PLLC, we represent clients who have been seriously injured in vehicle accidents across Alexandria, Arlington, and Fairfax involving:

  • High-impact collisions caused by distracted or speeding drivers whose minimal liability limits are exhausted quickly.
  • Serious injuries from intersection accidents caused by an uninsured driver running a red light on a major Alexandria roadway.
  • Catastrophic accidents where the at-fault policy (often the Virginia minimum) is insufficient to cover the victim’s long-term medical care.

Every case we handle involves the emotional and financial strain of realizing the responsible party cannot afford to cover your losses.

What Compensation Can You Recover in a UM/UIM Claim?

While your insurance company will seek to minimize the payout, we pursue the same types of damages you would seek from any at-fault driver, ensuring accountability and stability:

  • Past and Future Medical Expenses (Hospitalization, surgeries, physical therapy, rehabilitation)
  • Lost Wages and Loss of Future Earning Capacity
  • Pain and Suffering and inconvenience
  • Permanent Scars or Impairment
  • Property Damage (when applicable)

As experienced Alexandria personal injury attorneys, we work with medical and financial experts to document all damages and prove the true, maximum value of your UM/UIM claim.

Why Choose Hollingsworth PLLC for Your UM/UIM Case in Northern Virginia

Filing a claim against your own insurance company requires specialized legal knowledge. You deserve to be protected after an accident, not subjected to a second battle with your own carrier. That is why injured victims in Alexandria turn to us:

  • Local Knowledge of Virginia Insurance Law: We possess deep expertise in Virginia’s specific UM/UIM statutes and how local Northern Virginia insurers operate.
  • Aggressive Advocacy and Litigation Readiness: We are not afraid to sue your insurance company. We prepare every UM/UIM case for trial from day one, forcing them to negotiate fairly.
  • Personalized Attention from Mike Hollingsworth: You will receive direct, one-on-one representation. We treat you with the compassion you deserve while tenaciously handling the complex legal fight.

We are dedicated to holding insurance carriers accountable and securing the full compensation you are entitled to under your policy.

How Long Do You Have to File a UM/UIM Claim in Virginia?

Virginia’s statute of limitations for personal injury cases is generally two years from the date of the accident. This two-year deadline also applies to filing a formal lawsuit against your own insurance company for your UM/UIM claim.

Do not delay. Prompt notification to your insurer and consultation with an attorney are essential. Waiting too long can weaken evidence, allow the insurer to deny coverage based on policy terms, and ultimately prevent you from bringing a claim.

Ready to Talk? Don’t Let an Uninsured Driver Ruin Your Recovery.

You paid your insurance premiums for protection in exactly this scenario. It is our job to ensure your insurance company honors that commitment. You do not have to fight this complex battle alone.

Contact Hollingsworth PLLC, your dedicated Alexandria UM/UIM attorney, for a free, confidential consultation today.