{"id":10793,"date":"2026-10-30T04:53:18","date_gmt":"2026-10-30T04:53:18","guid":{"rendered":"https:\/\/bigbubba.com\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-insurance-policy-limits-brain-injury-car-accide\/"},"modified":"2026-11-04T00:45:49","modified_gmt":"2026-11-04T00:45:49","slug":"traumatic-brain-injury-accidents-insurance-policy-limits-brain-injury-car-accide","status":"publish","type":"page","link":"https:\/\/bigbubba.com\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-insurance-policy-limits-brain-injury-car-accide\/","title":{"rendered":"Brain Injury Car Accident Policy Limits in West Virginia"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-dark chg-hero\" style=\"min-height:460px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-70 has-background-dim wp-block-cover__gradient-background has-background-gradient\" style=\"background:linear-gradient(90deg,rgba(32,36,46,1) 0%,rgba(32,36,46,1) 55%,rgba(32,36,46,0.7) 100%)\"><\/span><img class=\"wp-block-cover__image-background wp-image-10791\" alt=\"Investigators documenting vehicle impact points and road conditions at a residential intersection after a pedestrian was struck.\" src=\"https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/investigators-documenting-vehicle-impact-points-and-road-con-photo-10.jpg\" width=\"1376\" height=\"768\" srcset=\"https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/investigators-documenting-vehicle-impact-points-and-road-con-photo-10-150x150.jpg 150w, https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/investigators-documenting-vehicle-impact-points-and-road-con-photo-10-300x167.jpg 300w, https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/investigators-documenting-vehicle-impact-points-and-road-con-photo-10-768x429.jpg 768w, https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/investigators-documenting-vehicle-impact-points-and-road-con-photo-10-1024x572.jpg 1024w, https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/investigators-documenting-vehicle-impact-points-and-road-con-photo-10.jpg 1376w\" sizes=\"(max-width: 825px) 825px, 100vw\" fetchpriority=\"high\" decoding=\"async\"\/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"chg-eyebrow has-base-color has-text-color wp-block-paragraph\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Brain Injury Car Accidents | West Virginia<\/p><h1 class=\"wp-block-heading has-base-color has-text-color\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Brain Injury After a Car Accident? Find Out What Insurance May Cover<\/h1><p class=\"has-base-color has-text-color wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Big Bubba Injury Law helps West Virginia families understand how policy limits may affect a serious brain injury claim, and what other coverage sources may be worth reviewing.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/bigbubba.com\/contact\/\">Request a Free Case Review<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">Published October 30, 2026<\/p>\n\n<article lang=\"en\">\n\n\n<p>After a car accident in West Virginia, the at-fault driver&#8217;s insurance policy usually sets the first limit on what the insurer will pay. A brain injury can push the real losses well past that limit. This guide explains how insurance policy limits work, why brain injuries strain them, and what other coverage to check. It also covers the early steps and deadlines that protect your claim.<\/p>\n<h2>What Insurance Policy Limits Mean After a West Virginia Car Crash<\/h2>\n<p>A policy limit is the most an insurer will pay under its policy for a covered loss. It is a ceiling. It is not a measure of what an injury is worth.<\/p>\n<p>Auto liability coverage is split into separate buckets:<\/p>\n<ul>\n<li><strong>Bodily injury, per person:<\/strong> the most paid for one injured person.<\/li>\n<li><strong>Bodily injury, per accident:<\/strong> the most paid for everyone hurt in one crash.<\/li>\n<li><strong>Property damage:<\/strong> the most paid for damage to other people&#8217;s property, such as their vehicle.<\/li>\n<\/ul>\n<p>A single injured person hits the per-person limit first. When several people are hurt, the per-accident limit is the total they share. Property damage is a separate bucket and does not raise the injury limits.<\/p>\n<p>West Virginia sets minimum amounts. Under <a href=\"https:\/\/code.wvlegislature.gov\/17d-4-2\/\">W. Va. Code \u00a7 17d-4-2<\/a>, the minimums since January 1, 2016 are $25,000 for one person, $50,000 for two or more people in one accident, and $25,000 for property damage. Some drivers carry only these minimums. A driver can meet the minimum and still be legally insured. That is why a serious injury can exceed what that policy pays.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<p class=\"wp-block-paragraph\">If a crash left you or a loved one with a brain injury, our team can help you sort out which policies may apply in a free case review. Talk it through with Big Bubba &#8212; the first case review is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/bigbubba.com\/contact\/\">Get a free case review<\/a><\/div><\/div>\n<\/div>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/firefighters-in-protective-gear-examine-a-damaged-vehicle-at-photo-5.jpg\" alt=\"Firefighters in protective gear and boots inspect a damaged car at an accident scene.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>Why a Brain Injury Can Strain Policy Limits<\/h2>\n<p>A brain injury can strain policy limits because its losses often build over time. Some symptoms do not show up right away. Headaches, memory problems, dizziness, and trouble concentrating can appear hours or days after a crash. A normal early scan does not always settle the question. Follow-up care and a clear symptom record matter.<\/p>\n<p>Losses often add up across several areas:<\/p>\n<ul>\n<li>Emergency care and hospital stays<\/li>\n<li>Imaging, visits with other doctors, and neurology follow-up<\/li>\n<li>Neuropsychological testing to measure thinking and memory<\/li>\n<li>Rehabilitation, speech therapy, and cognitive therapy<\/li>\n<li>Medications and medical equipment<\/li>\n<li>Ongoing care for symptoms that last<\/li>\n<\/ul>\n<p>When symptoms affect work, lost pay and reduced earning ability can follow. Missed shifts add up fast. Some brain injuries bring long-term care needs. When care lasts for years, a minimum policy can fall short. For people whose disability keeps them from working, the <a href=\"https:\/\/www.ssa.gov\/disability\">Social Security Administration<\/a> describes federal disability benefits, including work history rules and monthly payments.<\/p>\n<h2>Other Coverage Sources to Check Beyond the At-Fault Driver&#8217;s Policy<\/h2>\n<p>The at-fault driver&#8217;s policy is often not the only coverage that may apply.<\/p>\n<ul>\n<li>A vehicle counts as underinsured when its liability limits are below your UIM limits, or have been reduced by payments to others hurt in the same crash.<\/li>\n<li><strong>Household policies.<\/strong> Policies held by family members who live with you may apply, based on the policy wording.<\/li>\n<li><strong>Commercial truck and vehicle policies.<\/strong> Commercial policies can carry different limits than personal auto policies. The <a href=\"https:\/\/www.ecfr.gov\/on\/2026-10-06\/title-49\/section-387.9\">federal schedule in 49 C.F.R. \u00a7 387.9<\/a> sets a $750,000 minimum for for-hire carriers of nonhazardous property in interstate or foreign commerce, at a weight of 10,001 pounds or more.<\/li>\n<li><strong>Commercial damages limits.<\/strong> For crashes after July 1, 2024, <a href=\"https:\/\/code.wvlegislature.gov\/55-7-32\/\">W. Va. Code \u00a7 55-7-32<\/a> sets a $5 million per-occurrence limit on noneconomic damages recoverable from an employer defendant in certain commercial vehicle cases. Beginning January 1, 2026, that limit increases each year to account for inflation, up to 150 percent of the stated amount. That cap requires at least $3 million in commercial vehicle insurance. This section does not apply if the civil action involving a commercial motor vehicle arises from an incident for which an operator or driver is found to have one of the conditions listed in subsection (d) of <a href=\"https:\/\/code.wvlegislature.gov\/55-7-32\/\">W. Va. Code \u00a7 55-7-32<\/a>.<\/li>\n<li><strong>Work driving and umbrella policies.<\/strong> Driving for an employer can add more parties and coverage. Some drivers also carry umbrella policies above their auto coverage. Whether one applies depends on its wording.<\/li>\n<\/ul>\n<p>The vehicle type, the trip&#8217;s purpose, and who owned the vehicle all shape which policies may apply.<\/p>\n<h2>Protecting Your Claim: Early Steps and Timing<\/h2>\n<p>Early steps matter for your health and your claim. State law also limits early settlement talks.<\/p>\n<ul>\n<li><strong>Get checked promptly.<\/strong> Get a medical evaluation after any head impact or new symptom. Keep every follow-up visit.<\/li>\n<li><strong>Keep a symptom journal.<\/strong> Note headaches, sleep, mood, concentration, and tasks that have become harder.<\/li>\n<li><strong>Track lost work.<\/strong> Keep records of missed shifts, reduced hours, pay stubs, and letters from your employer.<\/li>\n<li><strong>Be careful with recorded statements.<\/strong> Before you give a recorded statement or sign a release, understand what is being asked and how the answer may be used. Describe symptoms accurately. Don&#8217;t guess about speed, distance, or injuries.<\/li>\n<li><strong>Know the twenty-day rule.<\/strong> For 20 days after a personal injury, while you are a hospital inpatient or unable to do your usual work, no one may negotiate a settlement with you. The same applies to getting a release or a statement for settlement, with exceptions. Under West Virginia law, a settlement, release of liability or statement entered into, obtained or made in violation of this section may be disavowed by the injured person at any time within one hundred eighty days from the date of the personal injury, by executing a written statement of disavowal and forwarding a copy of it to the person who violated this section (<a href=\"https:\/\/code.wvlegislature.gov\/55-7-11a\/\">W. Va. Code \u00a7 55-7-11a<\/a>). The settlement, release or statement is then not admissible in evidence in any proceeding relating to the injury, if any consideration paid for it is repaid or returned. See <a href=\"https:\/\/code.wvlegislature.gov\/55-7-11a\/\">W. Va. Code \u00a7 55-7-11a<\/a>.<\/li>\n<li><strong>Know the filing deadlines.<\/strong> Under <a href=\"https:\/\/code.wvlegislature.gov\/55-2-12\/\">W. Va. Code \u00a7 55-2-12<\/a>, a personal injury action generally must be brought within two years. Under <a href=\"https:\/\/code.wvlegislature.gov\/55-7-6\/\">W. Va. Code \u00a7 55-7-6<\/a>, a wrongful death action shall be commenced within two years after the death of the deceased person, subject to the provisions of section eighteen, article two, chapter fifty-five. <a href=\"https:\/\/code.wvlegislature.gov\/55-7-6\/\">W. Va. Code \u00a7 55-7-6<\/a> reads: &#8220;The provisions of this section shall not apply to actions brought for the death of any person occurring prior to July 1, 1988.&#8221; Insurance claim timelines are separate.<\/li>\n<\/ul>\n<h2>How a Policy-Limits Brain Injury Claim Typically Moves Forward<\/h2>\n<p>A typical claim moves through five stages, from gathering facts to deciding whether a lawsuit is needed.<\/p>\n<ol>\n<li><strong>Free case review.<\/strong> You share the crash facts, policy information, and medical history. There is no obligation to continue.<\/li>\n<li><strong>Records.<\/strong> Police reports, medical records, bills, and wage documents are gathered. Every policy that may apply is identified.<\/li>\n<li><strong>Limits check.<\/strong> The team compares documented losses with the available limits. It also weighs whether UIM or other coverage should be pursued.<\/li>\n<li><strong>Written demand.<\/strong> A written demand goes to the insurer, followed by negotiation. Requests for policy information may be part of this step.<\/li>\n<li><strong>Lawsuit, if needed.<\/strong> If a fair resolution is not reached, a lawsuit is filed within the deadline. In a wrongful death case, the personal representative of the estate brings the action, under <a href=\"https:\/\/code.wvlegislature.gov\/55-7-6\/\">W. Va. Code \u00a7 55-7-6<\/a>. Discovery, possible mediation, and trial preparation follow.<\/li>\n<\/ol>\n<p>How long each stage takes depends on the facts of your case. Treatment needs and how fast records arrive both play a role.<\/p>\n<h2>Common Questions About Policy Limits and Brain Injury Claims<\/h2>\n<p>Most questions come down to what other coverage exists and how fault is shared.<\/p><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I pursue more than a 25\/50\/25 policy pays?<\/summary><p class=\"wp-block-paragraph\">Other sources, such as your own underinsured motorist coverage, may apply. Your policy wording controls that.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>How does West Virginia law treat a claim when the injured person was partly at fault?<\/summary><p class=\"wp-block-paragraph\">Under <a href=\"https:\/\/code.wvlegislature.gov\/55-7-13a\/\">W. Va. Code \u00a7 55-7-13a<\/a>, fault is expressed as a percentage, and recovery in an action for personal injury, property damage or wrongful death is predicated on comparative fault, with each person&#8217;s liability allocated in direct proportion to that person&#8217;s percentage of fault. Under <a href=\"https:\/\/code.wvlegislature.gov\/55-7-13c\/\">W. Va. Code \u00a7 55-7-13c<\/a>, your recovery is barred only if your fault is greater than the combined fault of everyone else responsible. Otherwise, it is reduced by your share.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Does a normal CT scan mean I don&#8217;t have a brain injury?<\/summary><p class=\"wp-block-paragraph\">Not necessarily. Symptoms, clinical exams, and follow-up testing also matter.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can an adjuster ask for a recorded statement?<\/summary><p class=\"wp-block-paragraph\">An adjuster may ask. Find out what the statement is for before you agree.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Do wrongful death families face the same limits issue?<\/summary><p class=\"wp-block-paragraph\">Families often face the same policy questions.<\/p><\/details>\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Not sure what your next step is?<\/summary><p class=\"wp-block-paragraph\">Talk it through with Big Bubba &#8212; the first case review is free, confidential, and carries no obligation.<\/p><\/details><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/bigbubba.com\/contact\/\">Get a free case review<\/a><\/div><\/div>\n<\/div>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/bigbubba.com\/resources\/wp-content\/uploads\/2026\/10\/black-and-white-photo-of-a-busy-city-street-with-cars-traffi-photo.jpg\" alt=\"Black-and-white photo of a busy city street with cars, traffic signs, and pedestrians.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>Talk Through Your Situation at a Free Case Review<\/h2>\n<p>A free case review is a good next step if you want to know which policies may apply to a brain injury. You may be managing headaches, appointments, paperwork, and insurance calls all at once. Trying to understand what the policy actually pays can feel like one more weight.<\/p>\n<p>In a free case review, the firm can look at:<\/p>\n<ul>\n<li>The crash facts and who was involved<\/li>\n<li>The policies that may apply, including your own<\/li>\n<li>The medical picture and symptom timeline<\/li>\n<li>The questions you have about the next steps<\/li>\n<\/ul>\n<p>The review is free and carries no obligation to continue. The firm serves injury victims across West Virginia, including Charleston, Huntington, Morgantown, Wheeling, Beckley, and Clarksburg. A family member can reach out on your behalf. You can <a href=\"https:\/\/bigbubba.com\/contact\/\">tell Bubba what happened<\/a> through the firm&#8217;s contact form.<\/p>\n\n<\/article>\n<footer class=\"disclaimer\"><em>Big Bubba Injury Law is a trade name of Correll Legal Corporation, 142 N Queen St, Suite 121, Martinsburg, WV 25401, which is responsible for the content of this page. The information on this page is general information, not legal advice. Reading it or contacting the firm does not create an attorney-client relationship. No attorney fee unless we win; clients remain responsible for case costs.<\/em><\/footer>\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/traumatic-brain-injury-accidents\/\">Traumatic Brain Injury from Car and Truck Accidents in West Virginia<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-jefferson-county-wv\/\">Brain Injury Car Accident Help for Jefferson County, WV: Request a Free Case Review<\/a><\/li><li><a href=\"\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-life-care-plan-brain-injury-car-accident-west-v\/\">Life Care Plans After a Brain Injury From a Car Accident in West Virginia<\/a><\/li><li><a href=\"\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-low-speed-crash-brain-injury\/\">Can a Low-Speed Car Accident Cause a Brain Injury?<\/a><\/li><li><a href=\"\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-martinsburg-eastern-panhandle\/\">Traumatic Brain Injury Car Accident Lawyer Serving Martinsburg and the Eastern Panhandle<\/a><\/li><li><a href=\"\/resources\/traumatic-brain-injury-accidents\/traumatic-brain-injury-accidents-skull-fracture-car-accident-lawyer-west-virgini\/\">Skull Fracture From a Car Accident: Talk to the Firm About a Free Case Review<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>How West Virginia insurance policy limits can affect a brain injury from a car accident, plus other coverage and deadlines. Request a free case review.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":69,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"","chg_jsonld":"[{\"name\": \"Brain Injury Car Accident Policy Limits Review in West Virginia\", \"@type\": [\"Service\", \"FAQPage\"], \"about\": [{\"@type\": \"Thing\", \"name\": \"Personal injury\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Personal_injury\"}, {\"@type\": \"Thing\", \"name\": \"Negligence\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Negligence\"}], \"@context\": \"https:\/\/schema.org\", \"audience\": {\"@type\": \"Audience\", \"audienceType\": \"West Virginia adults injured in a car crash with a suspected or diagnosed brain injury, and family members acting on their behalf\"}, \"provider\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/bigbubba.com\/resources\/#organization\", \"name\": \"Big Bubba Injury Law\", \"url\": \"https:\/\/bigbubba.com\/\"}, \"speakable\": {\"@type\": \"SpeakableSpecification\", \"cssSelector\": [\"article > p:first-of-type\", \".wp-block-details p\", \"article > h1\"]}, \"areaServed\": {\"name\": \"West Virginia\", \"@type\": \"State\"}, \"description\": \"An informational guide explaining how West Virginia minimum auto insurance limits (25\/50\/25) can affect a brain injury claim from a car accident. 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