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Thomas Vaden Warren Jr.
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  • I was in a car accident the person i was in the car with didn't have any insurance

    I substained a large amount of injury I read somewhere that i can use someone who i lived with insurance to file my claim since the person i was in the car with didn't have any insurance and it was their fault is that true

    Thomas’s Answer

    The answer depends on what state you live in. In Virginia, if you have insurance or you live with a relative that has insurance, you are entitled to uninsured motorist coverage. The amount of insurance available will depend on how much coverage you or your resident relative have purchased. If both of you have automobile insurance and your case is a Virginia automobile collision case, you can stack (add together) the policies. For example if you had a $50,000 policy and your mother, whom you live with, had a $100,000 policy, then you have $150,000 of insurance coverage available. I can only speak for a case in Virginia but I would venture to guess that most state have similar provisions.

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