Q In a Virginia personal injury case, what does "coverage" mean?
Coverage means is there insurance and if so how much insurance is available.
In Virginia the minimum car insurance coverage someone can carry is $25,000. That is the minimum you can carry if you have insurance. You are allowed to pay a fee to the Commonwealth of Virginia and carry no insurance.
Coverage is import to understand in personal injury cases because it will often limit the ammount of recovery to the injured party. Lets say there is $25,000 worth of insurance and the jury awards you $75,000 for your injuries. The insrurance company will pay you the $25,000 and the person that caused the collision will owe you $50,000. The reality is that most people do not have $50,000 sitting around to pay you. If you try to collect the money from the individual they will likely file for bankruptcy and the debt may be discharges.
This is why it is so important for you to have ample uninsured/underinsured