10/19/2026
Follow Valor Injury Law | VA, DC & MD Injury Attorney for the insurance tactics, fault rules, and legal blind spots most drivers never hear about.
This happened in Charlotte, but using Virginia as an example:
- the BMW driver’s liability insurance pays for the three cars he hit and for anyone hurt in them.
- If he only carries the state minimum, that’s $25,000 total for all three cars, and $50,000 per person and $100,000 total for everyone injured.
- Anything over that, he can be held personally responsible for.
His own BMW isn’t covered by liability at all. Only collision coverage pays for it, if he bought it. Virginia also treats intentionally driving a car in a way it isn’t meant to be driven, as reckless driving (Va. Code § 46.2-865). A conviction can cost him his license for up to 6 months.
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This post is for general information only and does not constitute legal advice.
Credit: otkvlogs