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HB 107

Underinsured motorist benefits; actions against released defendant.

2026 Regular Session Introduced by Jason Ballard and 1 co-sponsor

Virginia bill clarifies underinsured motorist insurance claims procedures and released defendant liability rules to strengthen accident victim recovery rights.

Approved by Governor-Chapter 64 (effective 7/1/2026)
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WeVote Research Nonpartisan
Bill Summary · HB 107

Legislative bill overview

HB 107 modifies Virginia's laws governing underinsured motorist (UIM) insurance benefits and the ability of injured parties to pursue legal action against defendants whose liability has been partially resolved. The bill clarifies the conditions under which accident victims can recover UIM benefits when the at-fault driver's insurance is insufficient to cover damages, and establishes rules for claims against released defendants.

Why is this important

Underinsured motorist coverage protects accident victims when the responsible party lacks adequate insurance. This bill directly affects how Virginia residents can recover compensation for injuries and damages when they're hit by drivers with insufficient coverage—a common real-world scenario that leaves many victims with significant uncompensated losses. The rules established here determine whether injured parties must choose between accepting a low settlement or pursuing additional claims.

Potential points of contention

  • Insurer liability exposure: The bill may require insurance companies to pay more in UIM claims, potentially increasing premiums for policyholders across the state
  • Defendant protection vs. victim compensation: Changes to rules about suing released defendants could affect whether injured parties face obstacles recovering full damages, creating tension between fairness to defendants who settled and full compensation for victims
  • Insurance market impact: Stricter UIM requirements might cause insurers to raise rates, reduce coverage options, or limit underwriting in Virginia, particularly for high-risk drivers

Compiled from official sources — confirm details with the bill’s official record.

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