While many drivers in Virginia are aware that they need an adequate amount of auto insurance, they should also be sure they are protected against uninsured drivers. Kiplinger magazine provides more information for drivers on the dangers of not having coverage for accidents involving uninsured vehicles.

Auto insurance policies should include a section dedicated to uninsured and underinsured motorist. This will explain to policyholders how they and passengers are protected if hurt by one of those drivers while in your car.

According to the source, this coverage also protects policyholders when struck and injured by a hit-and-run driver or those who are insured by a company who becomes insolvent before a settlement.

For this coverage to apply, Kiplinger notes the other driver has to be the one at-fault. Submitting documentation, such as a police report, can help speed up the claim process, as drivers who disagree will likely try to say the situation happened differently. Proper documentation will be used to determine who is at-fault.

The magazine says that this type of auto insurance generally only provides coverage for costs related to bodily injuries, while some states do include property damages.