--- description: Washington D.C. requires motorists to carry some kind of insurance, but we know that not all drivers that are supposed to actually do. title: Uninsured / Underinsured Driver Accident Attorney Washington DC - Chaikin & Sherman --- Uninsured / Underinsured Driver Accident Attorney Washington DC - Chaikin & Sherman # Uninsured & Underinsured Motorists Last Updated: December 5, 2025 Reading Time: 7 minutes Trusted Content Legally Reviewed by Allan Siegel Updated 6 months ago [Home](https://www.chaikinandsherman.com/) » [Washington DC Car Accident Lawyer](https://www.chaikinandsherman.com/car-accidents/) » Uninsured & Underinsured Motorists What's On This Page [Case Results](https://www.chaikinandsherman.com/case-results/) $18.8 Million Car Crash $2 Million Car Crash $1.9 Million Car Crash $1.37 Million Car Crash $1.1 Million Car Crash $1 Million Car Crash [View All Practice Areas](https://chaikinandsherman.com/practice-areas/) [Testimonials](https://www.chaikinandsherman.com/blog/testimonials-hub/) They were adamant about getting me the best settlement. Torkwase Akinalana Car Accidents Proved to be the perfect advocate Michael Bizik Car Accidents I highly recommend the law firm of Chaikin, Sherman, Cammarata, and Siegel P.C. Anna Pastel-Powell Car Crash Mr. Siegel’s strong conviction, dedication, and determination prevailed in a legal victory. Gail Payne Car Accidents I knew I was in good hands once I stepped into their office. Gladys Ibeh Car Accidents They treated me like I was their only client, from beginning to end. Joy Lopez Car Accidents 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 neitherCase TypeCase TypeMotor Vehicle AccidentSlip & FallAssaultMedical MalpracticeAbuseWork InjuryOtherWere You at Fault?Were You At Fault?NoYesUnknownWhere Did The Incident Occur?Where Did The Incident Occur?Washington, D.C.VirginiaMarylandOtherDid The Accident Occur In the Last Two Years?Did The Accident Occur In the Last Two Years?YesNoShare Brief Description of the Incident* Watch our attorneys explain how they fight for car accident victims across DC, Maryland, and Virginia. With over $1 billion recovered, our team knows how to build a winning case — from investigation through trial. Video Transcript **Speakers:** Ira Sherman, Joseph Cammarata, Stephen Ollar, Allan Siegel **Ira Sherman (00:02):** I would say that Chaikin, Sherman, Cammarata and Siegel has a completely different outlook on cases that other people think are garden variety automobile accidents, because to the person who is involved in that accident, that’s not garden variety, that’s altering their life. **Joseph Cammarata (00:21):** First of all, we don’t advertise. People come to us by word of mouth, either from defense lawyers, from insurance companies, from colleagues at the bar. They know that we have decades of experience in the personal injury field. They know that what we bring to bear is a group of lawyers that work and non-lawyers that work as a team to make sure we understand what the nature and the extent of the injury is. We make sure we understand and can express to a third party just what those injuries are, and we work to obtain the most compensation that we can for an individual. **Stephen Ollar (01:04):** What we do a lot of is discovery, not just discovery of the facts of the case, but discovery about insurance. It may be that the individual was operating the vehicle for an employer, and if they were acting with what we call the course and scope of their employment, then there could be potentially additional coverage that would cover a person for those injuries. **Allan Siegel (01:27):** We’ve been handling car accident cases since Don Chaikin founded this firm over 50 years ago. Since we spend a lot of time and we have a lot of those cases, we have developed a level of experience and knowledge that I think is very unique in our field. There aren’t many law firms who can say that they’ve been doing this type of work for over 50 years. **Ira Sherman (01:52):** I care enough to look to determine who this person is and how it affected them, and that takes up a lot of my conversation with our clients. Most states require motorists to carry some kind of insurance, but we know that not all drivers that are supposed to actually do. If you are involved in an [auto accident](https://www.chaikinandsherman.com/car-accidents/) with someone who does not have auto insurance or not enough insurance to cover all damages or injuries, [your own insurance may cover this](https://www.chaikinandsherman.com/blog/2014/06/how-uninsured-and-underinsured-motorist-coverage-can-help-you-after-a-car-accident/) – if you have uninsured motorist (UM)/underinsured motorist (UIM) coverage. This may increase your auto insurance premium, but it exists in case you are ever involved in an accident with someone who has no insurance, or too little insurance, to cover bodily injury or damage to your vehicle. Contact a Washington, DC auto accident lawyer with Chaikin, Sherman, Cammarata & Siegel, P.C. today for a free consultation. We value the attorney-client relationship, and we will work to protect your rights and obtain the compensation you deserve. ## What to Do If You Are in an Accident with an Uninsured or Underinsured Motorist in Washington DC If you are involved in an accident with an uninsured driver, the first thing you should do is seek medical attention. Once a doctor has seen you, you should contact a Washington DC car accident lawyer. An experienced attorney will be able to review your case and help you determine the best course of action. You may be entitled to compensation for your medical bills, lost wages, and pain and suffering. [Do not wait to contact a lawyer](https://www.chaikinandsherman.com/car-accidents/should-i-get-a-lawyer/) – the sooner you do, the better chance you have of getting the full amount of compensation you deserve. ## What are Washington DC and Surrounding State’s Car Insurance Laws? All states have different insurance regulations with regard to the minimum amount of liability coverage. For example: - **Washington, DC** – $25,000 per person and $50,000 per accident; $10,000 for property damage - **[Maryland](https://www.chaikinandsherman.com/blog/2022/06/maryland-and-virginia-change-laws-to-enhance-underinsured-motorist-coverage/)** – $30,000 per person and $60,000 per accident; $10,000 for property damage - **[Virginia](https://www.chaikinandsherman.com/blog/2015/07/major-changes-to-virginia-underinsured-motorist-claims-starting-january-2016/):** ## **Virginia Liability Insurance Policy Minimum Limits** **Liability [Insurance Coverage Requirements](https://www.chaikinandsherman.com/car-accidents/virginia/insurance-requirements/)****Injury or death of one person****Injury or death of two or more people****Property damage****Policies effective before Jan. 1, 2022****$25,000****$50,000****$20,000****Policies effective Jan. 1, 2022 through December 31, 2024****$30,000****$60,000****$20,000****Policies effective on or after Jan. 1, 2025****$50,000****$100,000****$25,000** When these amounts are surpassed, you may be glad you paid that extra money for the insurance policy you have. However, in cases where you did not, or the insurance company refuses to pay due to questions of who was at fault, you should speak to an attorney experienced with UM/UIM accidents. This can become a highly complex process, and it is good to have someone who knows the legal ins and outs on your team. ### Uninsured Motorist Claims There are two types of uninsured motorist coverage you can buy, including: - Uninsured Motorist Bodily Injury – This covers compensation for all injuries you suffer when a driver who doesn’t carry insurance hits you. - Uninsured Motorist Property Damage – This covers all damage to your car when a driver that hits you doesn’t carry insurance. For example, if you are stopped at a red light in Washington, DC, and someone hits you from behind, causing personal injury and property damage, but they are uninsured. Your uninsured motorist coverage then comes into play. ### Underinsured Motorist Claims Underinsured motorist coverage comes in when the person at fault has less coverage than the amount of damage to you or your vehicle. If the other driver only has $25,000 of insurance, and you had $100,000 in underinsured motorist coverage, you can file a claim with your insurance company to make up for the difference between the other party’s insurance limits and your limits, up to the amount of your coverage limits. ## Filing an Uninsured/Underinsured Claim If you have been [involved in an accident with an uninsured or underinsured driver](https://www.chaikinandsherman.com/car-accidents/what-happens-if-someone-hits-you-without-insurance/), you may be able to [file a claim](https://www.chaikinandsherman.com/car-accidents/insurance-claim/) with your own insurance company. This is known as an uninsured/underinsured motorist claim. ### Proving Negligence in an Underinsured or Uninsured Motorist Accident Claim For a successful UM/UIM claim in Washington DC, you must prove that the other driver was at fault for the accident. For example, this can be done by showing that the driver was speeding, driving under the influence of alcohol or drugs, or not following traffic laws. An experienced car accident lawyer will know how to collect and present evidence to prove that the other driver was at fault. ## Damages for Which Victims Can Seek Compensation After a Vehicle Collision Uninsured or underinsured coverage pays for: ### Disfigurement Disfigurement is defined as “a permanent change in the appearance of a body part or organ caused by trauma, surgery, or disease.” If you have been left with scars or other visible changes after an accident, you may be able to recover compensation for your damages. ### Pain and Suffering Suffering is defined as “physical or mental anguish resulting from an injury.” If you have been injured in an accident, you may be able to recover compensation for your pain and suffering. This type of damage is usually awarded in addition to other damages such as medical bills and lost wages. ### Lost Wages Loss of earnings is defined as “the value of wages or salary lost due to an injury.” If you have been injured in an accident and are unable to work, you may be able to recover compensation for your lost earnings. ### Medical Expenses Medical expenses are defined as “any costs incurred for medical treatment related to an injury.” If you have been injured in an accident, you may be able to recover compensation for your medical bills. This includes both past and future medical expenses. ## The DC Uninsured Motorist Fund Washington DC’s and other states have an uninsured motorist fund which may cover you if you do not have uninsured motorist coverage. Contact a car accident attorney to learn more about how this fund may apply to you. ## Washington DC Statute of Limitations for Car Accidents The [statute of limitations](https://www.chaikinandsherman.com/washington-dc-statute-of-limitations-for-personal-injury/) is the time period during which you can file a legal claim. In Washington DC, the general statute of limitations for auto accident claims is three years from the date of the accident. However, there are different time limits for certain kind of claims. For example, a [wrongful death](https://www.chaikinandsherman.com/wrongful-death/) claim in Washington, DC has a two year statute of limitations. In addition, a UM/UIM claim is a contract claim against your insurance company. Contract claims have different statute of limitations, and the date the time limit begins to run may be different. You should contact a Washington DC car accident lawyer, with experience handling uninsured and underinsured motorist claims to discuss the deadlines that may apply to your case. ## What Chaikin, Sherman, Cammarata & Siegel, P.C. Can Do For You The Washington, DC car accident lawyers with Chaikin, Sherman, Cammarata & Siegel, P.C. have a proven track record of success helping clients obtain the maximum compensation possible for injuries they have suffered due to the negligence of others. Our firm has consistently demonstrated we have the expertise needed to help our clients see that justice is served. We have the resources needed to conduct thorough investigations of all the circumstances contributing to a motor vehicle accident, gathering the evidence to establish liability and negligence. Chaikin, Sherman, Cammarata & Siegel, P.C. has achieved more than $500 million in verdicts and settlements, and our attorneys have more than a century of combined legal experience. Two of our partners are certified by the National Board of Trial Advocacy. Our firm has also earned the highest AV® Rating from Martindale-Hubbell®, one of the most respected attorney-ranking service organizations in the United States. Chaikin, Sherman, Cammarata & Siegel, P.C. attorneys work passionately on behalf of our clients to help them secure fair compensation – there is no type of case that is too complex for us to litigate. ## How Much Is My Uninsured Motorist Claim Worth? The best way to find out what [your case might be worth](https://www.chaikinandsherman.com/videos/things-you-need-to-know/how-much-is-my-case-worth/) is to speak with an attorney with Chaikin, Sherman, Cammarata & Siegel, P.C. Our accident lawyers have obtained settlements for various car accident cases. Here are a few of our [case results](https://www.chaikinandsherman.com/case-results/): - $6 million for a client who suffered a brain injury after being involved in a rear-end collision. - $4.8 million for a severely injured client after another vehicle struck his motorcycle. - $1.9 million for a client who suffered a permanent back injury due to a car accident. - $1.5 million for a client who had to undergo multiple surgeries after a negligent motorist cut off his motorcycle. - $1 million settlement obtained on behalf of our 19-year-old client who was a passenger in a car in which the driver lost control, causing a collision. As a result, our client suffered extensive brain damage with cognitive impairment. He was in a coma for an extended period of time. Although he has regained consciousness, he is unable to care for himself. The law firm asked the Court to appoint him a guardian to care for him. The law firm is helping to establish a special needs trust so that the proceeds from the settlement will be protected against any medical liens. - $1 million settlement on behalf of a client who suffered a brain injury when the driver of the car in which he was a passenger lost control of his vehicle. ## Contact a Washington DC Accident Lawyer Today If you are looking for the highest level representation available for your personal injury case, turn to [Chaikin, Sherman, Cammarata & Siegel, P.C.](https://www.chaikinandsherman.com/) Our firm has helped clients recover more than $500 million in compensation, and we have more than 100 years of combined experience. All of our partners are recognized by Washington, DC Super Lawyers®, and our firm includes three past presidents of the Trial Lawyers Association of Metropolitan Washington, DC. We work to help our clients obtain fair settlement offers to compensate them for the injuries they’ve suffered, but our attorneys are extremely well-equipped to go to trial if needed. Call (202) 659-8600 or[ contact us online](https://www.chaikinandsherman.com/contact-us/) to get the proven legal representation you deserve. [Watch Our Video Testimonials](https://www.chaikinandsherman.com/blog/testimonials-hub/) 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 Visit Us in Person 1232 17th St NW Washington, DC 20036 The car accident lawyers at Chaikin, Sherman, Cammarata & Siegel, P.C. serve the entire Washington, D.C. metro area, including [Virginia](https://www.chaikinandsherman.com/car-accidents/virginia/) ([Northern Virginia car accident cases](https://www.chaikinandsherman.com/car-accidents/northern-virginia/), [Arlington](https://www.chaikinandsherman.com/car-accidents/auto-accident-attorneys-in-arlington-va/), [Fairfax County auto accident claims](https://www.chaikinandsherman.com/car-accidents/fairfax/), [Woodbridge](https://www.chaikinandsherman.com/car-accidents/woodbridge-va/), [Manassas](https://www.chaikinandsherman.com/car-accidents/manassas-va/), and [Alexandria](https://www.chaikinandsherman.com/car-accidents/alexandria/)) and Maryland ([Bethesda](https://www.chaikinandsherman.com/car-accidents/bethesda/), [Hyattsville](https://www.chaikinandsherman.com/car-accidents/hyattsville/), [Rockville](https://www.chaikinandsherman.com/car-accidents/rockville/), Lau Top 10 Mistakes Made After an Accident Review these common auto accident mistakes to protect your rights. READ OUR E-BOOK Meet Our Team Learn More About Us Ira Sherman Partner Licensed in Washington, D.C., Maryland, and New York With over four decades of courtroom experience, **Ira Sherman** is a powerhouse trial lawyer who has won justice for countless victims of serious injury, discrimination, and medical malpractice. Known for his relentless advocacy, compassion, and proven results, he’s the attorney clients trust when everything is on the line. Ira Sherman's Bio Joseph Cammarata Partner Licensed in Washington, D.C., Maryland, and Virginia A dual board-certified civil trial attorney, **Joseph Cammarata** is nationally recognized for his fierce advocacy, landmark legal victories, and relentless pursuit of justice for victims of serious injury, wrongful death, sexual assault, and civil rights violations. With wins against powerful opponents—including a historic U.S. Supreme Court case securing equal access to justice—he’s the attorney clients trust when they need skill, strength, and results that matter. Joe Cammarata's Bio Allan M. Siegel​ Partner Licensed in Washington, D.C., Maryland, and Virginia **Allan M. Siegel** is a board-certified trial attorney and partner at Chaikin, Sherman, Cammarata & Siegel, P.C., known for securing justice in serious personal injury, brain injury, and wrongful death cases. Recognized as one of Washington’s *Top 100 Super Lawyers®* and a *Best Lawyer®* in America, he combines strategic precision, courtroom skill, and relentless advocacy to win full and fair compensation for his clients. Allan Siegel's Bio Stephen Ollar Partner Licensed in Washington, D.C., Maryland, and Virginia **Stephen Ollar** is an award-winning trial attorney and U.S. Army veteran dedicated to holding negligent individuals and corporations accountable. Recognized as a *Super Lawyers Rising Star* from 2020–2025, he’s known for his tenacity, precision, and unwavering pursuit of justice in personal injury, auto accident, and medical malpractice cases. 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