If you are involved in an accident with someone who does not have car insurance, you may still be able to recover compensation through your own auto insurance provider. Virginia requires all drivers to carry uninsured motorist (UM) coverage, which specifically protects you in the event you are injured by an uninsured driver. UM limits for Virginia include $25,000/$50,000 in bodily injury coverage per person/accident and $20,000 in property damage per accident with a $200 deductible.Additionally, Virginia requires drivers to carry underinsured motorist (UIM) coverage, as well. This coverage kicks in when the person who caused the accident is insured but does not have enough insurance to cover the cost of your damages. This is often the case when an accident victim’s damages exceed the minimum liability coverage amounts of $25,000/$50,000 in bodily injury per person/accident and $20,000 in property damage.