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Frequently Asked Questions

Do I need uninsured/underinsured motorist (UM/UIM) insurance if I was hit by someone with a nice, expensive car? Don't they have their own insurance?

A: You can NEVER be sure that the driver who hits you has sufficient insurance. The person who was hit by Plaxico Burress, a well-paid professional football player, in an automobile accident must have been surprised that Burress had NO insurance -- because he had not paid his insurance premium.

The Wall Street Journal recently reported that more and more drivers are dropping their insurance coverage because of tough economic times. There are thousands of uninsured drivers in and around Alexandria, Fairfax, Arlington and elsewhere in Virginia, and many of them cause car accidents every day.

The only way to be sure your family is protected from uninsured and underinsured drivers is to have enough coverage on your own policy. Here is free information we give to everyone. This is one of the most important ways you can protect yourself and your family from irresponsible drivers.