You can still sue an at-fault driver who has no insurance, although collecting a judgment can be difficult when there are no available insurance funds. Fortunately, car insurance policies in Virginia all contain an “uninsured motorist” provision to protect you from uninsured drivers.
If the at-fault driver is uninsured, your insurance company will provide coverage for your injuries up to the limits of coverage on your policy. The declaration page of your insurance policy lists the uninsured motorist cover policy limit. Our firm, Overbey, Hawkins & Wright, can help you understand the coverage you have and find all available sources of coverage.