Accidents involving out-of-state drivers can add extra layers of complexity to an already stressful situation. Knowing how to handle these accidents can help protect your rights and ensure you secure fair compensation. Kalfus & Nachman, Virginia's leading personal injury law firm, guides common scenarios, insurance coverage, and the steps to take if you are hit by an out-of-state driver in Virginia.
Common Scenarios of Out-of-State Driver Accidents
Out-of-state driver vehicle crashes can occur in various situations, each with unique challenges.
- Vacationing Drivers: Virginia is a popular tourist destination. Numerous accidents occur in Virginia due to vacationing drivers unfamiliar with local roads and traffic laws. Tourist hotspots like Virginia Beach and the Blue Ridge Parkway often see accidents involving out-of-state drivers because of the high tourist activity in these areas.
- Interstate Commuters: People who travel across state lines for work or other reasons contribute to the high number of accidents on busy interstate highways. Major highways like I-95 and I-81, frequently used by out-of-state commuters, are particularly prone to accidents.
- Commercial Vehicles: Accidents involving out-of-state commercial vehicles can be more complex due to different state regulations and insurance policies. This is especially relevant for delivery and freight trucks, as they operate across state lines and may be subject to varying legal and insurance requirements.
Insurance Coverage in Out-of-State Accidents in VA
Understanding insurance coverage is crucial when dealing with out-of-state accidents.
- Virginia Liability Coverage: Drivers in Virginia must have liability insurance covering damages and injuries they cause to others. This applies regardless of whether the driver is from Virginia or another state. Currently, Virginia's minimum auto insurance requirements are $30,000 for one person's bodily injury or death, $60,000 per accident (two or more persons' injury or death), and $20,000 for property damage. If the out-of-state driver does not have sufficient insurance to cover your damages, Uninsured/Underinsured Motorist coverage protects you.
- State Variations: Insurance requirements and coverage limits vary by state, so the out-of-state driver's policy may differ from Virginia's requirements.
- No-Fault Insurance States: Some states have no-fault insurance systems, meaning each driver's insurance covers their injuries regardless of fault. If the out-of-state driver is from a no-fault state, their insurance may handle the claim differently.
Steps to Take if You're Hit by an Out-of-State Driver in Virginia
Taking immediate steps after an accident can protect your rights and simplify the claims process.
- Ensure Safety and Seek Medical Attention: The priority is to prioritize safety for everyone involved. Move to a safe location and call 911 if anyone is injured. Seeking medical attention is advised, even for injuries that may seem minor.
- Gather Information: Remember to gather as much information as you can at the accident scene. This includes obtaining the out-of-state driver's details, photographs of the accident scene, vehicle damage, and any visible injuries. Additionally, collect contact information from any potential witnesses.
- Report the Accident: After being involved in an accident, it's important to notify the local law enforcement and your insurance company right away. Make sure to obtain a copy of the police report, as it will be essential when filing your insurance claim.
- Consult an Attorney: If you're involved in an out-of-state accident, you may need to consider potentially complex legal and insurance matters. Seeking advice from a Virginia injury law firm with experience handling such cases can be extremely beneficial.
Being involved in an accident with an out-of-state driver in Virginia adds an extra layer of complexity to an already stressful situation. Ensuring safety, gathering thorough documentation, and seeking legal advice are critical steps to protect your interests. By understanding Virginia's legal landscape and working with an experienced injury lawyer, you can confidently navigate the accident's aftermath and secure the compensation you deserve. Call us for a free consultation today: 855-880-8163.