A multi-vehicle motorcycle collision led to a recovery that required navigating a West Virginia UIM policy alongside Virginia law, ultimately resolving for the full policy limits available.
What Happened
Our client, a man in his 30s from West Virginia, was riding his motorcycle eastbound on Charles Town Pike in Loudoun County when another driver exited a parking area without the right of way. According to the Loudoun County Sheriff’s Office crash report, the sudden entry into traffic caused our client to brake hard, lay the motorcycle down, and collide with the vehicle.
The motorcycle then struck a guardrail and rebounded into a third vehicle traveling westbound. Emergency responders transported our client to a local hospital for treatment, and the motorcycle was heavily damaged. The at-fault driver was insured with Progressive. Our client was insured through State Farm, including underinsured motorist (UIM) coverage issued under a West Virginia policy.
How It Felt
The injuries were life-altering. Our client sustained a broken pelvis, a fractured right humerus, L4 and L5 disc fractures, a right tibia fracture, nerve damage affecting his right hand and foot, an open elbow wound, and later developed a blood clot in his right leg.
In addition to the physical pain, he faced confusion and frustration about how his claim would be handled. Because his insurance policy was issued in West Virginia while the crash occurred in Virginia, he worried about whether his UIM coverage would apply and how differences between state laws could affect the outcome. Feeling overwhelmed, he searched online for guidance and found our firm.
Our Approach
We began with a detailed review of the Loudoun County Sheriff’s Office report to establish the right-of-way violation. We then addressed the added complexity of coordinating a West Virginia underinsured motorist policy within a Virginia injury claim.
Our team worked closely with medical providers to document the full scope of his orthopedic, neurological, and vascular injuries. At the same time, we communicated directly with Progressive and State Farm to ensure the claim was evaluated properly under the applicable policy terms and governing law.
Navigating cross-state coverage differences required careful planning and persistence. Our goal was to manage these challenges while keeping our client informed and supported at every stage.
The Outcome – Full Policy Limits Settlement
Through focused advocacy and careful coordination of the available insurance coverage, the case resolved for the full policy limits available, resulting in a $125,000 settlement. The resolution helped ease the financial burden associated with extensive medical treatment and provided stability during recovery.
For our client, the outcome also brought reassurance that his case had been taken seriously despite the added hurdles of cross-state insurance law.
If you were injured in Virginia and carry out-of-state insurance coverage, experienced guidance matters. Contact Parrish Car Accident & Personal Injury Law Firm for a free consultation.
*The settlement reflected the maximum insurance coverage available under the applicable policy. Case results depend on a variety of factors unique to each case, including insurance coverage. Prior results do not guarantee a similar outcome.
