Yes - if the ER or your OB told you the crash requires extra fetal monitoring, ultrasounds, non-stress tests, or maternal follow-up, a Virginia insurer will treat those as future damages only if your records tie that care to the collision.

To prove it, you need documentation that is specific, dated, and medically grounded:

• ER records from Richmond-area hospitals showing the crash, pregnancy status, symptoms, fetal concerns, and discharge instructions
• OB/GYN and maternal-fetal medicine records stating what additional monitoring is needed and why
• A written opinion that the crash made the extra care reasonably necessary, not just routine prenatal care
• Billing records and CPT-coded estimates for future visits, ultrasounds, lab work, fetal monitoring, and any work restrictions
• Ultrasound reports, fetal heart tracing, and follow-up notes showing ongoing observation
• Employer records if appointments, lifting limits, or bed rest reduce your hours or affect your job
• Photos, repair estimates, and the Virginia DMV crash report (Form FR300P) to document the collision itself

Virginia allows recovery of future medical expenses when they are shown with reasonable certainty. That means your doctor must do more than say "follow up as needed." The record should identify the expected care, frequency, and duration. If your OB says you need weekly non-stress tests for 8 weeks or serial growth scans because of trauma, that is far stronger than a vague precaution.

If the crash involved a pothole, frost-heaved pavement, or suspension failure in Richmond, preserve the vehicle inspection records too. The insurer will look for another explanation, especially if there was no immediate placental issue on the first ER visit.

The filing deadline for most Virginia injury claims is 2 years under Va. Code § 8.01-243. If a state or local agency's road condition contributed, separate notice rules can apply, so the road-defect evidence needs to be gathered early.