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You should still be protected if you have uninsured motorist coverage under your own policy. Under Code of Virginia § 38.2-2206, insurers are required to offer this coverage with every automobile insurance policy. It will pay for your medical expenses, lost wages, and other costs arising from an accident caused by a driver who has no insurance. It will also cover you in case of a hit-and-run accident.
Although you will be filing a claim with your own insurance carrier in this situation, keep in mind that insurance companies are in business for profit. Your insurance company may attempt to minimize the amount it pays out to you. An experienced Virginia car accident attorney can help you fight to recover full and fair compensation.