UM and UIM Attorneys in Northern Virginia
The Other Driver Had No Coverage? Your Own Policy May Owe You.
When the at-fault driver has no coverage or too little, your own policy may owe you. We make your insurer honor the protection you paid for, across Northern Virginia.
You Paid for This Protection
Your Own Insurer Can Become the One That Pays
Required
Virginia auto policies must include UM coverage
Your Policy
Your own insurer may owe when the other driver cannot
2 Years
Virginia deadline to act
Sources: Code of Virginia § 38.2-2206; § 8.01-243.
Virginia requires uninsured and underinsured motorist coverage on auto policies for a reason: too many drivers carry no insurance or far too little. When that driver hurts you, the protection you paid for is supposed to step in. The problem is, now your own insurer is the one trying to pay less.
When the At-Fault Driver Cannot Pay, You Still Can Recover.
You did everything right. You carried insurance. Then someone with no coverage, or a bare-minimum policy, caused a serious crash and left you with bills far beyond what they can pay.
This is exactly what uninsured and underinsured motorist coverage is for. Virginia law requires it, and it lets you turn to your own policy to cover the gap. But filing a UM or UIM claim means negotiating against your own insurer, which suddenly behaves like any other company trying to limit a payout.
We handle the claim against your insurer the same way we handle any other, with evidence, a documented demand, and a refusal to accept less than the coverage you paid for.
Schedule a ConsultationWhen to Call Us
- ✓ The at-fault driver had no insurance
- ✓ The other driver’s coverage is too low for your injuries
- ✓ The driver fled and was never identified
- ✓ Your own insurer is undervaluing your UM claim
- ✓ You are not sure how much UM coverage you have
- ✓ A hit-and-run left you with the bills
What We Handle
UM and UIM Claims We Handle
We make your own insurer honor the coverage you paid for.
Uninsured Driver Crashes
The at-fault driver had no insurance at all. Your UM coverage steps in.
Underinsured Claims
Their policy is too small. UIM covers the gap to your limits.
Hit-and-Run
An unidentified driver fled. UM coverage can still apply.
Stacking Coverage
Finding every layer of coverage that may apply to your loss.
Undervalued UM Claims
When your own insurer lowballs you, we push back with proof.
Passengers & Households
Coverage that can extend to passengers and family members.
Why UM and UIM Claimants Choose Us
We Find the Coverage
We read your policy closely to identify every layer that may apply.
We Treat Your Insurer Like Any Other
A UM claim is still a fight. We negotiate hard for full value.
We Document the Loss
The same evidence and demand that wins any injury claim wins this one.
We Protect Your Rights
UM claims have notice rules and deadlines. We keep your claim intact.
What to Expect
How Working With Us Begins
1
Free Consultation
Tell us what happened. We listen, explain the legal theory that fits, and lay out your options, at no cost.
2
Investigate & Build
We gather evidence, secure records, consult experts, and document the full extent of your injuries and losses.
3
Demand & Negotiate
We present a documented demand and negotiate hard, refusing the lowball offers insurers count on you to accept.
4
Settle or Try It
We push for a full recovery and are fully prepared to take your case to a jury if that is what justice requires.
Attorney Insight
“People are often shocked to learn that their biggest fight after a crash is with their own insurance company. When the at-fault driver has no coverage, your uninsured motorist policy is supposed to fill the gap, but the moment you file, your insurer starts acting like the opposing party. I treat a UM claim exactly like any other injury case: build the evidence, document the full loss, and refuse the lowball. You paid premiums for this protection. My job is to make the company actually deliver it.”
Anthony I. Shin, Esq.
Founder, Shin Law Office
Common Questions
Answers Before You Call
What is the difference between uninsured and underinsured coverage?
Uninsured motorist coverage applies when the at-fault driver had no insurance. Underinsured coverage applies when they had some, but not enough to cover your losses. Both let you turn to your own policy.
Does Virginia require this coverage?
Yes. Virginia requires uninsured and underinsured motorist coverage on auto policies, so you likely have it even if you did not realize it. We review your policy to confirm the limits.
Will filing a UM claim feel adversarial?
Filing a valid claim for coverage you paid for is your right. While your insurer may negotiate hard, we handle that fight so you are not facing your own company alone.
What if the driver fled the scene?
A hit-and-run can often be treated as an uninsured motorist claim, letting you recover under your own policy even when the other driver is never found.
How long do I have to act?
Generally two years in Virginia for the underlying injury, and UM claims carry their own notice requirements, so contact us early to protect the claim.
What does it cost?
The consultation is free and these claims are handled on contingency, so there is no fee unless we recover for you.
Make Your Policy Pay What You Are Owed
You paid for uninsured motorist protection. When you need it, we make your insurer honor it. Serving injured drivers across Northern Virginia.
Prefer to talk now? Reach Anthony I. Shin, Esq. at 571-445-6565.
Based in Loudoun County and serving clients across Virginia, Washington DC, and Maryland, we know that when everything’s on the line, the right attorney doesn’t just make a difference, they determine the outcome.
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Copyright © 2025 Shin Law Office, PLC. All rights reserved.
Copyright © 2025 Shin Law Office, PLC. All rights reserved.
Reproduction of any content on this site is prohibited except for individual, non-commercial, informational use. This limited permission does not allow modification, distribution, or incorporation of any content into other works or publications in any medium. You may not reproduce or distribute content from this site to any third party.