--- description: Insurance Got You Stumped? Chaikin Sherman Has Your Back with Expert Advice & Answers ( title: Virginia Expands Underinsured Motorist Coverage image: https://www.chaikinandsherman.com/wp-content/uploads/2023/07/iStock-490357284-scaled.jpg --- [ Back to CSCS Blog ](https://www.chaikinandsherman.com/blog/) # Virginia Expands Underinsured Motorist Coverage [Home](https://www.chaikinandsherman.com/) » [Recent Posts](https://www.chaikinandsherman.com/blog/) » Virginia Expands Underinsured Motorist Coverage * [ December 15, 2023 ](https://www.chaikinandsherman.com/blog/2023/12/15/) * [Newsletter](https://www.chaikinandsherman.com/blog/category/newsletter/) Recent changes to Virgnia’s Underinsured Motorist statute (Code of Virgnia § 38.2- 2206) have gone into effect which should directly increase your peace of mind while driving. Underinsured motorist coverage is designed to protect you in the unfortunate event of a collision where the at-fault driver does not have enough insurance coverage to fully compensate for your injuries and damages. For any automobile insurance policy that was purchased or renewed in Virginia on or after July 1, 2023, the underinsured motorist (“UIM”) coverage will no longer receive a credit for payments from an at-fault driver’s liability coverage. This means that you can now recover the full amount of your UIM benefits in addition to the liability coverage from the at-fault driver, greatly increasing the overall amount of coverage available to you in a motor vehicle collision. For example, under the old law, if the at-fault driver had $50,000 in liability coverage and you had $50,000 in UIM coverage, your maximum recovery would be limited to only $50,000, because your UIM policy receives a credit from the at-fault driver’s policy. The new statute eliminates that credit, meaning your maximum recovery now becomes $100,000. All insurance companies providing automobile insurance coverage in Virginia are required to automatically provide this expanded coverage when your policy renews, unless you elect to opt-out of the expanded coverage. Opting out of this expanded coverage would be a mistake. As demonstrated in the example above, a few dollars saved in premiums effectively cuts your available benefits in half. If you have any questions about this or any other insurance issue, your attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C., are here to answer them. [Contact Chaikin, Sherman, Cammarata & Siegel, P.C.](https://www.chaikinandsherman.com/contact-us/) by phone at (202) 659-8600 to get started with your personal injury claim. Find Something Interesting? Share This post Facebook X LinkedIn Email Print ![](https://www.chaikinandsherman.com/wp-content/uploads/2020/05/video-screenshot-sm-e1589210255835.jpg) ## Get free advice about the compensation you deserve. At Chaikin, Sherman, Cammarata & Siegel, P.C., our car accident attorneys fight tirelessly to secure the compensation you deserve, handling every aspect of your case to protect your rights. Trust us to stand by you and advocate aggressively on your behalf. [ Speak to a Specialist ](#) ![Well dressed insurance assessor inspecting damaged vehicle](https://www.chaikinandsherman.com/wp-content/uploads/2023/07/iStock-490357284-1024x683.jpg) #### In This Post ## Contact Us Today! "\*" indicates required fields Name\* First Last Name\* Last Email\*\* Phone\* Are you a new client?\* Are you a new client? \*Yes, I'm a potential new client.No, I'm a current existing client.I'm neither Case Type Case TypeMotor Vehicle AccidentSlip & FallAssaultMedical MalpracticeAbuseWork InjuryOther Were You at Fault? Were You At Fault?NoYesUnknown Where Did The Incident Occur? Where Did The Incident Occur?Washington, D.C.VirginiaMarylandOther Did The Accident Occur In the Last Two Years? Did The Accident Occur In the Last Two Years?YesNo Share Brief Description of the Incident\* ## Recent Posts [Joseph Cammarata](https://www.chaikinandsherman.com/blog/author/jcammarata/ "Posts by Joseph Cammarata")03/10/2026 WASHINGTON, D.C. — Chaikin, Sherman, Cammarata & Siegel, P.C. is... [Read More](https://www.chaikinandsherman.com/blog/2026/03/partner-joseph-cammarata-selected-for-the-virginia-lawyers-hall-of-fame/) [Allan Siegel](https://www.chaikinandsherman.com/blog/author/asiegel/ "Posts by Allan Siegel")01/06/2026 WASHINGTON D.C. — The legal team at Chaikin, Sherman, Cammarata... [Read More](https://www.chaikinandsherman.com/blog/2026/01/joseph-cammarata-seeks-justice-for-catastrophically-injured-clients/) [Allan Siegel](https://www.chaikinandsherman.com/blog/author/asiegel/ "Posts by Allan Siegel")12/23/2025 Chaikin, Sherman, Cammarata & Siegel, P.C. is pleased to announce... [Read More](https://www.chaikinandsherman.com/blog/2025/12/cscs-welcomes-associate-justin-wood/) [Allan Siegel](https://www.chaikinandsherman.com/blog/author/asiegel/ "Posts by Allan Siegel")12/23/2025 Partner Allan M. Siegel obtained over $1.9 million for individuals... [Read More](https://www.chaikinandsherman.com/blog/2025/12/partner-allan-m-siegel-obtains-over-1-9-million-in-premises-liability-cases-in-2025/) Load More ```json {"@context":"https://schema.org","@graph":[{"@type":"LegalService","@id":"https://chaikinandsherman.com/#firm","name":"Chaikin, Sherman, Cammarata & Siegel Personal Injury Lawyers","url":"https://www.chaikinandsherman.com/","telephone":"+1-202-659-8600","email":"publicrelations@dc-law.net","logo":"https://www.chaikinandsherman.com/wp-content/uploads/2024/08/new-logoBaskerville@2x.png","image":"https://www.chaikinandsherman.com/wp-content/uploads/2024/08/cscs-firm-photo.jpg","description":"Chaikin, Sherman, Cammarata & Siegel is a Washington D.C. personal injury law firm with decades of experience representing accident victims throughout DC, Maryland, and Virginia.","foundingDate":"1969","address":{"@type":"PostalAddress","streetAddress":"1232 17th St NW","addressLocality":"Washington","addressRegion":"DC","postalCode":"20036","addressCountry":"US"},"founder":[{"@type":"Person","name":"Joseph Chaikin","address":{"@type":"PostalAddress","streetAddress":"1232 17th St NW","addressLocality":"Washington","addressRegion":"DC","postalCode":"20036","addressCountry":"US"}},{"@type":"Person","name":"Matthew Sherman","address":{"@type":"PostalAddress","streetAddress":"1232 17th St NW","addressLocality":"Washington","addressRegion":"DC","postalCode":"20036","addressCountry":"US"}}],"employee":[{"@type":"Attorney","name":"Allan M. 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