Car Insurance Updates


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A Closer Look at New Insurance Laws

The fine print insurance companies don’t want you to read.

Beginning July 1st, 2023, a change to Virginia car insurance law took effect that impacted millions of drivers in the Commonwealth – and the insurance companies don’t want you to know about it. Many Virginians with policies set to renew this year have already received letters from their carrier asking them to sign a form waiving their right to critical insurance coverage.

The Real Story on the New Car Insurance Law Effective July 1, 2023

The new order of law pertaining to car insurance coverage, Virginia Code § 38.2-2206, went into effect July 1st, 2023.

Here is how State Farm Insurance worded letters to their policyholders about upcoming renewals:

“Effective July 1, 2023, Virginia law requires all motor vehicle liability insurance policies to provide underinsured motorist coverage that pays any covered damages due to an insured in addition to any property/bodily injury that is applicable to the insured damages. As such, this new coverage will be applied to your policy at your upcoming renewal with limits equal to your bodily injury and property damage liability coverage and your premium will be adjusted for the increased protection it provides. You have the right to select limits for uninsured motorist coverage that are less than the bodily injury and property damage liability limits by signing this form.”

This has always been the case. When you select less car insurance coverage, you will pay less in premiums.

This is How Car Insurance Companies are Getting You to Opt-out of Coverage You Are Paying For 

In the next paragraph, State Farm explains how you can opt out of coverage you ARE paying for.

“You also have the right to reject or refuse the protection provided by this new coverage by selecting uninsured motorist coverage alternative coverage (U) which provides that damages caused by an accident with an underinsured motor vehicle may be reduced by any bodily injury liability coverage or property damage liability coverage available for payment. This can be done by signing an uninsured/underinsured motorist selection rejection form.”


The Bottom Line on the 2023 Car Insurance Law Changes

Virginia lawmakers passed a law removing credits or “offsets” in car insurance damages paid to claimants. This change was made to ensure policyholders who have been injured in a car accident are able to use the full amount of their coverage to recoup damages. In short form, you can now use your own car insurance policy if the person who hit you does not have the coverage needed to cover the damages after an accident.

In a recent interview for WTKR News3, Brother Rutter explains the changes to the laws and how it could impact drivers. While the insurance company says the rates are going to increase, a recent study on car insurance rates in the US shows virtually no increase in VA, year over year, and some of the lowest rates in

the country. In fact, in the last decade, the average Virginia driver has seen a rate increase of less than $200 from 20

11-20211, despite the increase in vehicle replacement costs and average vehicle repair cost being among the highest in the US.2


It’s Insurance Coverage You Are Already Paying For – Why Sign It Away?

The offset, or credit, the law previously allowed meant insurers were often left with unpaid expenses while insurance companies collected premiums for the coverage. Virginia lawmakers decided to end the unfair laws, which could equal millions of dollars in payments for the insurance company – unless you sign their form. If that happens, you could lose thousands after an accident with an uninsured or underinsured driver.

If you have a car insurance policy renewing in 2023, make sure you read their information closely. You don’t want to end up paying for coverage you can’t use when you need it most.

Insurance Companies Must Tell the Truth…Right? WRONG!

If you have been injured in a car accident, the insurance company will likely make you an offer right away. They may tell you they are offering you the full amount of the policy and that is all the coverage that is available. That may not be true. There may be options to use your own insurance or the policies of other people living in your house to cover damages like medical bills, property loss, lost wages, and more.

Read more about the coverage you may not know you have.

Questions About Your Coverage After a Car Accident?

If you or someone you love has been injured by an accident involving an uninsured or underinsured driver, speak with our car accident experts today. They will review your policies and help determine the full amount of compensation available to you. Before you sign anything with the insurance company, make sure you are getting the whole truth.

1State of Car Insurance 2022, Page 44 Appendix A1

2Where Do Car Repairs Cost The Most; Sept 9, 2023, by Market Watch Guides

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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
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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