{"id":377184,"date":"2016-11-16T13:54:32","date_gmt":"2016-11-16T18:54:32","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/west-virginia-law\/west-virginia-car-accident-settlement-process-and-timeline.html"},"modified":"2025-02-26T16:41:05","modified_gmt":"2025-02-26T21:41:05","slug":"west-virginia-car-accident-settlement-process-and-timeline","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/west-virginia-law\/west-virginia-car-accident-settlement-process-and-timeline.html","title":{"rendered":"West Virginia Car Accident Settlement Process and Timeline"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">West Virginia Car Accident Settlement Process and Timeline<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a>\n                | Last updated\n        <time>\n                            February 26, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>From the tree-covered Appalachian Mountains to Harpers Ferry and the Potomac River, West Virginia has some of the most scenic roadways in the country. But your picturesque Sunday drive can turn into a fender-bender nightmare if you aren&#8217;t careful. Even if you are a careful, defensive driver, sometimes auto accidents are inevitable due to the other driver&#8217;s <a href=\"https:\/\/www.findlaw.com\/state\/west-virginia-law\/west-virginia-negligence-laws.html\">negligence<\/a> or <a href=\"https:\/\/www.findlaw.com\/dui\/laws-resources\/west-virginia-dui-laws.html\">criminal actions<\/a>.<\/p>\r\n<p>Knowing more about the West Virginia <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-kinds-of-damages-may-i-claim-for-car-accident-injuries.html\">car accident settlement<\/a> process and general timelines can help you better manage the situation. Below is key information about car crash reporting requirements, car insurance laws, and settlements.<\/p>\r\n<h2><b>Do I Need to Report a Car Accident in West Virginia?<\/b><\/h2>\r\n<p>In most cases, you must report a vehicle accident in West Virginia. Specifically, there are two scenarios where a car accident must get reported to law enforcement:<\/p>\r\n<ol>\r\n<li><b>Accidents involving personal injury or death<\/b> must get reported immediately to the local police department. If it happens in a municipality, call the local police, or call the local sheriff or <a href=\"https:\/\/www.wvsp.gov\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">West Virginia State Police Department<\/a> if it happens in the country. This ensures that accident victims get prompt medical attention and that car accident injuries are documented.<\/li>\r\n<li><b>Accidents involving over $500 worth of property damage<\/b> must also get reported to the <a href=\"https:\/\/transportation.wv.gov\/DMV\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">West Virginia Division of Motor Vehicles<\/a>. The amount of time you have to file a report can be crucial. Having detailed police reports helps in the assessment of the incident and supports any later insurance claims or legal actions.<\/li>\r\n<\/ol>\r\n<h2><b>West Virginia Car Insurance Laws<\/b><\/h2>\r\n<p>As in most states, drivers in West Virginia must carry a <a href=\"https:\/\/www.findlaw.com\/traffic\/drivers-license-vehicle-info\/state-car-insurance-information.html\">minimum amount of insurance on their vehicle<\/a>. The minimum amount is:<\/p>\r\n<ul>\r\n<li>$25,000 for one crash, one injury<\/li>\r\n<li>$50,000 for one crash, two or more injuries<\/li>\r\n<li>$25,000 for property damage<\/li>\r\n<\/ul>\r\n<p>For more information, contact the <a href=\"https:\/\/www.wvinsurance.gov\/\" target=\"_blank\" rel=\"noopener\">West Virginia Office of the Insurance Commissioner<\/a>. Thinking of driving without car insurance? Think again. Drivers who fail to carry adequate insurance face penalties. They face a driver&#8217;s license suspension, suspension of their vehicle registration, and possible criminal penalties for driving on a <a href=\"https:\/\/www.findlaw.com\/traffic\/traffic-tickets\/driving-without-a-valid-driver-s-license-state-laws.html\">suspended license<\/a>.<\/p>\r\n<h2><b>How Do Car Accident Settlements Work in West Virginia?<\/b><\/h2>\r\n<p>While no one can predict the outcome of a <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-settlement-basics.html\">car accident settlement<\/a>, we can give you a basic idea of the settlement process and timeline.<\/p>\r\n<p>The first step is filing the car accident claim with the proper insurer, whether yours or the at-fault driver&#8217;s. Next, the insurance company will investigate the matter via an insurance adjuster. The <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/insurance-claims-after-an-accident-the-basics.html\">claims process<\/a> can take a few days or a few weeks, depending on the amount of evidence, medical reports, and witness interviews. Once that is complete, you will receive a settlement offer. This may become a negotiation between your attorney and the insurance company involving <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/writing-demand-letters-to-settle-personal-injury-claims.html\">demand letters<\/a> and counteroffers to reach a fair settlement.<\/p>\r\n<p>If both sides can&#8217;t agree on a settlement amount, you may have to go to court and have a civil jury trial decide the outcome. Throughout this process, the goal is to ensure that all medical bills and damages related to the motor vehicle accident are adequately covered, whether through <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/how-to-negotiate-a-car-accident-settlement.html\">settlement negotiations<\/a> or a personal injury lawsuit.<\/p>\r\n<h2><b>What Is the Average Car Accident Settlement in West Virginia?<\/b><\/h2>\r\n<p>Drivers, passengers, or pedestrians can <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-kinds-of-damages-may-i-claim-for-car-accident-injuries.html\">recover damages<\/a> due to an accident. <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/economic-recovery-for-accidents-and-injuries.html\">Car accident damages<\/a> may include medical expenses, lost wages, car repairs, disability or disfigurement, and pain and suffering. But the factors determining the amount of a car accident settlement vary from person to person. There is no &quot;one size fits all&quot; formula for car accidents. Each case requires a thorough review of medical records, the extent of medical treatment, and other relevant evidence to ensure fair compensation.<\/p>\r\n<p>Once both sides agree to a settlement, the settlement check gets issued to cover these damages. The best person to answer your questions about car accident settlements and achieving fair compensation is a <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/west-virginia?fli=dcta\" target=\"_blank\" rel=\"noopener\">West Virginia personal injury attorney<\/a>. An attorney can guide you through the process and advocate on your behalf.<\/p>\r\n<h2><b>How Long Do I Have to File a Car Accident Lawsuit in West Virginia?<\/b><\/h2>\r\n<p>West Virginia law has a two-year deadline for filing a car accident claim under <a href=\"https:\/\/code.wvlegislature.gov\/55-2-12\/\" target=\"_blank\" rel=\"noopener\">West Virginia Code 55-2-12<\/a>. This is the <a href=\"https:\/\/www.findlaw.com\/state\/west-virginia-law\/west-virginia-civil-statute-of-limitations-laws.html\">statute of limitations<\/a>. If you don&#8217;t file within this time frame, you won&#8217;t be able to file. You might have a winning case, but you&#8217;ll get barred if you fail to bring it at the appropriate time. The same is true if someone dies as a result of a car accident. Your wrongful death claim must get filed within two years after the death of your loved one under <a href=\"https:\/\/code.wvlegislature.gov\/55-7-6\/#:~:text=by%20wrongful%20act.-,%C2%A755%2D7%2D6.,for%20death%20by%20wrongful%20act.\" target=\"_blank\" rel=\"noopener\">West Virginia Code \u00a755-7-6(d)<\/a>.<\/p>\r\n<h2><b>Get Legal Help With West Virginia&#8217;s Car Accident Settlement Process<\/b><\/h2>\r\n<p>Dealing with auto insurance companies can be a frustrating experience. While you may understand West Virginia insurance laws, there is the whole settlement process. The good news is you don&#8217;t have to go through this process alone. Start today and get legal advice from a <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/west-virginia?fli=dcta\" target=\"_blank\" rel=\"noopener\">West Virginia car accident attorney<\/a> near you.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" 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id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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