When negligence upends your life in West Virginia, knowing how the law works puts you in control.
What UM/UIM Coverage Does
Uninsured motorist (UM) coverage pays when the at-fault driver has no insurance; underinsured motorist (UIM) coverage fills the gap when their limits are too low to cover your losses. In a state with many minimally insured drivers, this coverage is often the difference between full and partial recovery.
West Virginia Requirements
West Virginia law requires UM coverage on auto policies and requires that UIM coverage be offered. Many drivers carry only minimum liability limits, so your own UM/UIM coverage frequently becomes the primary source of compensation after a serious crash.
Your Own Insurer Becomes the Opponent
With a UM/UIM claim, you are negotiating against your own insurance company, which still has an incentive to minimize the payout. Having an attorney levels that dynamic and helps you access the coverage you already paid for.
You pay nothing unless you win. Injury Claim Team connects injured West Virginians with experienced personal injury attorneys who work on contingency. Your case review is always free and confidential — call 973-566-5599.