Decoding Virginia's Updated UIM Law: What You Need to Know

Decoding Virginia's Updated UIM Law: What You Need to Know provides a comprehensive analysis of the recent changes to Virginia's Underinsured Motorist (UIM) law. This informative guide delves into the intricacies of the updated legislation, outlining key points that every resident should be aware of. From coverage limits to filing procedures, this resource offers invaluable insights for anyone navigating the legal landscape of UIM insurance in Virginia.

Understanding Virginia's New UIM Statute

Virginia recently passed a new Uninsured/Underinsured Motorist (UIM) statute that has significant implications for drivers in the state. It is crucial for all motorists to understand the key aspects of this new law to ensure they are adequately protected in the event of an accident.

What is UIM Coverage?

UIM coverage is a type of auto insurance that provides protection to drivers who are involved in an accident with a motorist who either has no insurance or insufficient insurance to cover the damages. This coverage helps ensure that the policyholder is not left financially vulnerable in such situations.

Key Changes in Virginia's New UIM Statute

The new UIM statute in Virginia brings about several important changes that all drivers should be aware of. One of the key changes is the increase in the minimum UIM coverage limits. Under the new law, the minimum UIM coverage limit has been raised to $50,000 per person and $100,000 per accident.

Additionally, the new statute also allows policyholders to stack their UIM coverage limits. This means that if a policyholder has multiple vehicles covered under the same policy, they can combine the UIM limits for each vehicle to potentially receive higher coverage in the event of an accident.

Another significant change introduced by the new UIM statute is the requirement for insurance companies to offer policyholders the option to purchase higher UIM coverage limits. This gives drivers the opportunity to increase their coverage beyond the minimum limits mandated by the state, providing them with greater financial protection in case of an accident.

Importance of Understanding the New UIM Statute

It is essential for all drivers in Virginia to familiarize themselves with the provisions of the new UIM statute to ensure they have adequate insurance coverage. By understanding the changes brought about by the new law, motorists can make informed decisions when purchasing auto insurance policies and ensure they are adequately protected in the event of an accident.

Furthermore, being aware of the new UIM statute can help drivers navigate the claims process more effectively in the event of an accident involving an uninsured or underinsured motorist. Understanding their rights and the coverage available to them can streamline the process and ensure they receive the compensation they are entitled to.


Virginia's new UIM statute introduces important changes that impact how drivers are protected in the event of accidents with uninsured or underinsured motorists. By understanding the key provisions of the new law, motorists can make informed decisions about their insurance coverage and ensure they have the financial protection they need.

It is important for drivers to stay informed about changes to insurance laws in their state and regularly review their policies to ensure they have adequate coverage. By taking proactive steps to understand and comply with the new UIM statute, drivers can protect themselves and their assets in the event of unforeseen accidents.

Virginia UIM Statute

Thank you for reading our article on Decoding Virginia's Updated UIM Law. We hope that you now have a better understanding of the key changes and how they may impact you. Remember to consult with a legal professional for personalized advice based on your specific situation. Stay informed and empowered when navigating the complexities of UIM coverage in Virginia.

Carol Davis

Hi, I'm Carol, an expert and passionate author on FlatGlass, your go-to website for loans and financial information. With years of experience in the finance industry, I provide insightful articles and tips to help you navigate the complex world of loans and financial planning. Whether you're looking to understand different types of loans, improve your credit score, or make wise investment decisions, I'm here to guide you every step of the way. Stay tuned for my latest articles to stay informed and empowered on your financial journey.

  1. Khai Salgado says:

    I think the article missed key points about Virginas UIM law. More details needed!

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