West Virginia Car Accident Settlement Calculator
Estimate a car accident settlement under West Virginia law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What West Virginia law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
West Virginia bars recovery if plaintiff is 51% or more at fault.
W. Va. Code §§ 55-7-13a, 55-7-13c·Source retrieved 2026-07-27
W. Va. Code § 55-7-29·Last reviewed 2026-07-30
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
West Virginia car insurance law: minimums, PIP and uninsured motorist coverage
What West Virginia's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
West Virginia: Minimum liability coverage
“Every owner or registrant of a motor vehicle required to be registered and licensed in this state shall maintain security as hereinafter provided in effect continuously throughout the registration or licensing period except in case of a periodic use or seasonal vehicle, […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“Beginning January 1, 2016, "proof of financial responsibility" means proof of ability to respond in damages for liability, on account of accident occurring subsequent to the effective date of the proof, arising out of the ownership, operation, maintenance, or use of a motor vehicle, trailer or semitrailer in the amount of $25,000 because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of $50,000 because of bodily injury to or death of two or more persons in any one accident, and in the amount of $25,000 because of injury to or destruction of property of others in any one accident: […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
West Virginia: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (W. Va. Code §§ 17D-2A-3, 17D-4-2 and 33-6-31).
West Virginia: Uninsured and underinsured motorist coverage
“Nor may any such policy or contract be so issued or delivered unless it contains an endorsement or provisions undertaking to pay the insured all sums which he or she is legally entitled to recover as damages from the owner or operator of an uninsured motor vehicle, within limits which shall be no less than the requirements of section two, article four, chapter seventeen-d of this code, as amended from time to time: Provided, That such policy or contract shall provide an option to the insured with appropriately adjusted premiums to pay the insured all sums which he or she shall be legally entitled to recover as damages from the owner or operator of an uninsured motor vehicle up to an amount of $100,000 because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, in the amount of $300,000 because of bodily injury to or death of two or more persons in any one accident and in the amount of $50,000 because of injury to or destruction of property of others in any one accident: Provided, however, That such endorsement or provisions may exclude the first $300 of property damage resulting from the negligence of an uninsured motorist: Provided further, That such policy or contract shall provide an option to the insured with appropriately adjusted premiums to pay the insured all sums which he or she is legally entitled to recover as damages from the owner or operator of an uninsured or underinsured motor vehicle up to an amount not less than limits of bodily injury liability insurance and property damage liability insurance purchased by the insured without set off against the insured's policy or any other policy.”
West Virginia: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (W. Va. Code §§ 17D-2A-3, 17D-4-2 and 33-6-31).
What partial fault costs you in West Virginia
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under West Virginia law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every West Virginia deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the West Virginia periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
W. Va. Code § 55-2-12(b)·Source retrieved 2026-07-27
Open the personal injury calculatorW. Va. Code § 55-7B-4·Source retrieved 2026-07-27
Open the medical malpractice calculatorW. Va. Code § 55-7-6(d)·Source retrieved 2026-07-27
Open the wrongful death calculatorW. Va. Code 23-4-15 generally requires the application within 6 months of the injury or death, with separate rules for occupational disease. Our filing-deadline field counts whole years, so it cannot state a 6-month window, and rounding it up would tell you that you have twice the time you actually do. Ask a West Virginia attorney or the Insurance Commissioner's office about your deadline.
Open the workers compensation calculatorW. Va. Code § 55-2-12(b)·Source retrieved 2026-07-27
Open the slip and fall calculatorWest Virginia against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and West Virginia is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and West Virginia is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology