Uninsured Motorist Accident Lawyers


Uninsured Motorist Accident Attorney

Car Accident Lawyers

If you are in an accident with an uninsured driver, will you still be able to recover fair and full compensation for your damages? Call the uninsured motorist accident lawyers at Rutter Mills to discuss your legal options after a crash caused by a driver with no insurance.


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More than 10% of all motorists on Virginia’s roads are uninsured


A crash occurs every five minutes


1 in 7 Virginia drivers does not have insurance.

Protecting Your Loved Ones


Our car accident lawyers have decades of experience representing clients in these cases and can explore every possible legal avenue for getting you the money you deserve. Call today for a free, no-obligation consultation. We’ll work hard to protect you and your loved ones.

What Are Virginia’s Uninsured Motorist Laws?

Virginia drivers that do not carry minimum insurance coverages are subject to fines and penalties and may be charged with a misdemeanor that will remain on the driver’s record.

What You Need to Know About Virginia Car Insurance

Virginia requires all drivers to carry minimum auto accident liability coverage:

  • At least $55,000 for bodily injury or death of one person;
  • At least $50,000 for bodily injury or death of two or more persons; and
  • At least $20,000 for property damage.
  • Virginia motorists are required to purchase uninsured and underinsured motorist coverage (UM/UIM) at the minimum amounts above.
  • UM applies in the event you are involved in an accident when the at-fault driver has no insurance.
  • UIM applies when you are involved with an at-fault driver whose available liability insurance limits are lower than your UIM limits.
  • Virginia motorists have the option to purchase medical expense (Med Pay) insurance that will pay for an insured individual’s necessary medical treatment and reasonable rehabilitation costs regardless of who is at fault in an auto accident
  • Med Pay insurance duplicates some of the costs that an injured person’s medical insurance coverage might pay, but it does not cover other economic damages such as lost wages and funeral expenses.
  • Wage loss coverage is another optional coverage that pays a limited amount per week that someone is out of work as a result of a car accident.

What Other Recovery Options are Available in Uninsured Motorist Accidents?

A knowledgeable attorney will consider:

  • Resident Relative Coverage. If another person in your household has insurance coverage, that coverage may extend to you when you are injured in an auto accident.
  • Umbrella Liability Policies. Umbrella policies provide excess liability coverage, but generally exclude reimbursement for property losses.

In the event of a serious automobile accident, you will likely reach the limits of your own insurance policy very quickly. Even if you carry UM/UIM and Med Pay insurance, your insurance company might offer a low settlement and you may not be able to recover all of your economic and non-economic losses (e.g. pain and suffering) from your own insurance coverage.

Car Accident Lawyers

How Do You Recover Damages When Policy Limits are Reached?

Your best resource when you are in an accident with an uninsured driver is to retain an experienced uninsured motorist accident attorney. A qualified car accident attorney will first analyze your own insurance coverage to verify that your carriers have paid the full amount of compensation that you deserve. If your insurer’s offer is inadequate, your lawyer will challenge them and negotiate for a larger recovery.

Your lawyer will also carefully examine the circumstances of your automobile accident to determine if any other parties might bear liability for your injuries. A poorly maintained road, for example, might justify a lawsuit against the township that is responsible for road repairs.

Similarly, a vehicle defect, either in your own car or the negligent driver’s car, might have caused the accident. Where more than one car is involved in an accident, your lawyer will determine the relative liabilities and insurance coverages of each driver.

A small number of states have “no pay, no play” laws that limit the scope of an injured party’s damages recovery in an auto accident if that party does not carry his or her own auto insurance. The Commonwealth of Virginia is not one of those states, but Virginia drivers should not use the absence of those laws as a rationale not to carry appropriate auto liability insurance. Your own auto liability coverage will always be your first source of damages for a car accident in Virginia.

Attorneys for Victims of Accidents with Uninsured Motorists

The Virginia uninsured motorist accident attorneys at Rutter Mills have recovered large damages awards for individuals who have suffered injuries and losses in automobile accidents with uninsured drivers. We represent clients in Norfolk, Newport News, Hampton Roads, and throughout the Commonwealth of Virginia. Please call us to speak with a Virginia car accident attorney who can advise you on recovering the largest damages award that may be available.


You don’t have to worry about the bills, just get healthy.

Dave Put His Trust in Us

Don’t Fall For The Insurance Company’s Games

Dave suffered serious injuries in a car accident. The defendant’s insurance company tried to offer him a low amount so Dave called Rutter Mills. We took over dealing with the insurance and got Dave the money he needed to get back on his feet.

They enabled me to be happy in life again.

Get Back On Track

Protecting Your Future

Glenn’s car accident changed his life, but not permanently thanks to the help of his Rutter Mills attorney. When the insurance companies wouldn’t help him, our team fought back and won.

I knew I needed Rutter Mills.

Fighting For What's Right

Getting Justice

On his way home from work at the shipyard, Dan was involved in an accident. He tried to file a claim on his own, but the insurance company wouldn’t give him the money he needed to put his life back on track. Dan knew he needed to call Rutter Mills.

They actually won my case 3 times!

Larena's Win

After her car accident, Larena asked her father, a local stevedore, for his advice on who to call. He recommended Rutter Mills. Her team of car accident experts at Rutter Mills fought back when the insurance companies tried to deny her the money she needed to recuperate from her injuries. We took her case to trial – and won. When the insurance company filed their appeals, we beat them again – two more times! Larena got the money she needed and the justice she deserved.

We’re going to immediately call Rutter Mills. That’s the people I trust with my baby girl.

Who Do You Trust With Your Family?

After a car accident, Jamaree’s first call was to her mom. She was shaken up and scared. Mom told her “We’re calling Rutter Mills. Her next was to Rutter Mills. Her Rutter Mills car accident team helped her get compensation “above & beyond” what she was expecting.

They lifted allot of stress off my shoulders. I recommend them to anybody because they WILL fight for you.

Who Can You Turn To?

Referrals From Friends and Family

After John was seriously injured in a motorcycle accident, he turned to the person he trusts most for a recommendation. His wife, a paralegal of 30 years, told him to call Rutter Mills on the advice of the lawyer she worked for.

They really care for you as a person. Words cannot describe what Rutter Mills did for me and for my case.

When You Need Someone In Your Corner

Don’t Go It Alone

When the insurance company tried to get Carol to sign paperwork after her car accident, she knew she needed a lawyer. Carol knew she needed Rutter Mills.

When I called Rutter Mills, I knew it was the right fit. They’re so interested in helping you get justice.

Getting The Justice You Deserve

When Mom Needs Strength

Taryn was in a car accident while she was pregnant. She knew she needed someone in her corner to protect her rights and her family’s future.

There’s attorneys, then there’s Rutter Mills.

We're Here When The Unexpected Happens


A devasting accident changed Levon’s life forever. The physical and emotional toll left him scared and in pain. When the insurance company for the defendant contacted the family, they made an offer that did not even cover the cost of the medication, much less doctors’ bills, and physical therapy. They knew they needed to talk to a serious lawyer. Rutter Mills took care of the negotiation so Levon could focus on healing.

When you’ve got a serious injury, you need a serious lawyer. That’s why we chose Rutter Mills.

Motorcycle Accidents Change Everything

When Ed was injured in a motorcycle crash, he knew he needed a serious lawyer to protect his rights. The insurance companies were fighting him every step of the way. Rutter Mills helped prove Ed’s case and get him the money he needed to get on the road to recovery.

With the seriousness of the accident, I knew that we needed a serious lawyer. I needed Rutter Mills.

Carol & Levon's Story

They knew they needed a serious lawyer when Carol and her son were seriously injured. After the other party’s insurance company tried to get her to settle for less than she needed, Carol called Rutter Mills for help. We took on the insurance company so she could focus on healing.

Watch his 30 second testimonial video
Watch Glenn's 30 second story
Watch Dan's 30 second video
Watch Larena's 30 second story
Watch Jamaree's 30 second video
Watch Levon's 30 second video
Watch Ed's 30 second story
Watch Carl's 30 second video

Winning Car Accident Injury Cases


People injured in car crashes in Virginia each Day

Team Size

Team Members Here To Help

A study by Martindale Nolo showed people who hire an attorney receive 4.5 more than people who don’t.

Car Accident Lawyers

Drunk Driving Accident Lawyers

Drunk Driving Accident Lawyers

Drunk Driving Lawyers

Every 45 seconds someone is killed in the U.S. by a drunk driver. If you or a loved one was injured by a drunk driver, contact the lawyers at Rutter Mills today.

Car Accident Lawyers

Drowsy Driving Accident Lawyers

Drowsy Driving Accident Lawyers

Drowsy driving is a dangerous condition. If you or a loved one were injured due to someone else’s drowsy driving, contact the lawyers at Rutter Mills today.


Head-on Collision Accident Lawyers

If you’ve been injured in a head on collision, contact the lawyers at Rutter Mills today.

At Rutter Mills,
every case is a serious case-because it's your case.

Rutter Mills Law Firm

Personal Injury

We are here for you in your time of need, providing compassionate guidance and aggressive advocacy in a wide range of personal injury matters. Our top-rated attorneys will fight the insurance companies and get you back on your feet.

Personal Injury Lawyers
Personal Injury Lawyers

Car Accidents

We’re here to listen. A member of our team will meet with you, focusing on not only what happened, but also what you are going through and how it’s impacted your life. Then we’ll tell you what options are available to you to get on the road to recovery.

Car Accident Lawyers
Car Accident Lawyers

Maritime/Jones Act Law

Personal injuries that happen when you’re working – or playing – on the water aren’t governed by “the law of the land.” They are subject to maritime laws under the Jones Act– also known as admiralty law.

Maritime Lawyers

Motorcycle Accidents

We’re here to listen. A member of our team will meet with you, focusing on listening to not only what happened, but also what you are going through and how it’s impacted your life.

Motorcycle Accident Lawyers
Motorcycle Accident Lawyers

Truck Accidents

Truck accidents are often serious. We are here to listen to your story so we can guide you to healing. Our team has represented some of the largest truck accident cases in Virginia. Call us and see how we can help you today.

Truck Accident Lawyers
Truck Accident Lawyers

Workers Compensation

If you’ve been injured on the job, workers’ compensation insurance may entitle you to critical assistance like medical treatment, lost wages, and more. But insurance companies will put up an aggressive fight to resist paying you the compensation you need and deserve. Rutter Mills can help get you the money you deserve.

Workers Compensation Lawyers
Workers Comp Lawyer
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Real People. True Stories.

Contact a Virginia Uninsured Motorist Accident Lawyers for expert legal guidance

A Rutter Mills case is a serious case. It may mean you have been badly injured. It certainly means you have a lot on the line, and the resolution of your case will make a big difference to you, your family, and your life moving forward.

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See what our clients say
 about Rutter Mills.

Danielle E.

I came to Rutter Mills during one of the most difficult and terrifying times in my life. Mr. Young and his assistant Kathy Saunders were so welcoming and understanding. They worked diligently to handle my case. It is by no means a quick and easy process, however these two make the wait worth it. I hope you never find yourself in my shoes but if you do I highly recommend these two to help you along your process.

Natea W.

They made sure I understood everything that was happening and I was satisfied with the results before finalizing anything. I'm very grateful they helped me get what I deserved.

Shelton A.

I wish I can give Adam and his team a Rutter Mills ten stars!!! They was there by my side for nearly two yrs and fought for me and my family. Adam said his gloves was coming off when the insurance company didn't want to settle but I had no idea he was going to look like Floyd Mayweather lol. We won by unanimous decision. From me and my family to Adam, Selena,Gina and everyone at Rutter Mills thank you for everything y'all have done for us. If u have been injured in any kind of accident give Rutter Mills call first you will not regret it.

Jarrin P

They were straightforward and honest through the whole ordeal. I couldn't have found a better law firm to help me get the job done.

Ira S

I got injured on the job, Rutter Mills accepted my case, and did an outstanding job representing me. I would highly recommend them to anyone.


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3D Mobile Mammogram Bus is Coming to Rutter Mills

Posted on July 18, 2024 by Rutter Mills