West Virginia car accident leads
Summit Leads supplies car accident leads in every U.S. state, West Virginia included, through real-time ping/post. Leads are exclusive by default and filter to the ZIP code. West Virginia requires uninsured motorist coverage at $25,000/$50,000 (Insurance Commissioner, as of October 7, 2026), and personal injury suits have a two-year deadline.
- Founded in 2025
- 40+ national buyer and supply partners
- All U.S. states
- Exclusive by default
West Virginia facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Mandatory auto coverages | Liability and uninsured motorist coverage (Offices of the Insurance Commissioner, as of October 7, 2026)Auto Mandatory Limits West Virginia Offices of the Insurance Commissioner |
| Minimum liability limits | $25,000 per person and $50,000 per accident bodily injury; $25,000 property damage (as of October 7, 2026)Auto Mandatory Limits West Virginia Offices of the Insurance Commissioner |
| Minimum uninsured motorist coverage | $25,000/$50,000 bodily injury and $25,000 property damage (as of October 7, 2026)Auto Mandatory Limits West Virginia Offices of the Insurance Commissioner |
| Underinsured motorist coverage | Optional; insurers must offer it (Offices of the Insurance Commissioner, as of October 7, 2026)Auto Mandatory Limits West Virginia Offices of the Insurance Commissioner |
| Personal injury statute of limitations | Two years under W. Va. Code 55-2-12 (applied in No. 24-ICA-186, December 23, 2024)Memorandum decision, No. 24-ICA-186 (filed December 23, 2024), applying W. Va. Code 55-2-12 Intermediate Court of Appeals of West Virginia |
| Comparative fault rule | Recovery barred only if the plaintiff's fault is greater than the combined fault of all others (W. Va. Code 55-7-13c(c), enacted 2015)Enrolled Committee Substitute for H.B. 2002 (2015), adding W. Va. Code 55-7-13c West Virginia Legislature |
| Traffic fatalities | 260 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising rules | West Virginia Rules of Professional Conduct 7.1, 7.2 and 7.3 (amendments effective January 1, 2015)West Virginia Rules of Professional Conduct (amendments effective January 1, 2015) Supreme Court of Appeals of West Virginia |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Required coverage in West Virginia and the uninsured motorist layer
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Two coverages are mandatory on a West Virginia auto policy. The Offices of the Insurance Commissioner list (as of October 7, 2026) names liability and uninsured motorist coverage, with uninsured motorist minimums of $25,000/$50,000 for bodily injury and $25,000 for property damage. Personal injury protection is not on that list.
The same Commissioner page (as of October 7, 2026) says insurers must offer higher optional uninsured motorist limits, up to $100,000/$300,000 for bodily injury, and the option to buy underinsured motorist coverage. When the at-fault driver carries only the minimum, those first-party coverages can matter to the value of the claim, so a firm reviewing a lead wants to know what both drivers carried.
Two years to file and fault weighed against everyone else
The filing deadline is two years. In No. 24-ICA-186 (filed December 23, 2024), the Intermediate Court of Appeals quoted W. Va. Code 55-2-12: a personal action for damages for personal injuries must be brought within two years after the right to bring it accrued.
Fault is compared against all other responsible persons together. Section 55-7-13c(c), added by Enrolled Committee Substitute for H.B. 2002 (passed February 24, 2015), says the plaintiff's fault does not bar recovery unless it is greater than the combined fault of all other persons responsible for the damages. In a crash with several drivers, that comparison runs against the group, not one driver.
Buyers turn both rules into fields. Accident date tells a firm how much of the two years is left, and the crash description (how many vehicles, who was cited) shows how fault may divide.
West Virginia minimum liability limits
The Insurance Commissioner's mandatory limits (as of October 7, 2026) are $25,000 per person and $50,000 per accident for bodily injury liability, and $25,000 for property damage. Buyers often ask the intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary form to record the other driver's carrier status for that reason.
West Virginia traffic fatalities
For 2023, the most recent year treated here as final, the NHTSA FARS table shows 260 traffic deaths in West Virginia. The table covers fatal crashes only and has no count of injury crashes.
West Virginia lawyer advertising rules
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The Supreme Court of Appeals of West Virginia publishes the West Virginia Rules of Professional Conduct, with a set of amendments that took effect January 1, 2015. Under Information About Legal Services, the court lists:
- Rule 7.1, Communications Concerning a Lawyer's Services.
- Rule 7.2, Advertising, including paragraph (b) on giving anything of value for recommending a lawyer.
- Rule 7.3, Solicitation of Clients.
Comment [5] to Rule 7.2 on the court's page addresses lead generators directly: it says a lawyer "may pay others for generating client leads" and then lists conditions. This page reports the text only. How it applies to a given lead program is for the buying firm and its counsel.
What buyers in West Virginia filter on
Fields that West Virginia buyers set, and the rule each one tracks:
- Accident date: time remaining under section 55-2-12.
- Number of vehicles and citation: inputs to the combined-fault comparison in section 55-7-13c.
- Insurance on both sides: whether the other driver was insured, which points to a liability claim or an uninsured motorist claim.
- Injury and treatment: the type of injury and where care was received.
- Representation status: whether a lawyer is already involved.
- ZIP code: coverage set to the counties a client firm serves.
Where buyers filter in West Virginia
Six metro areas reach into West Virginia in the Census Bureau's Vintage 2025 estimates. Two of them cross state lines, and for those the figure covers the whole metro area, not only the West Virginia counties. Buyers can still pick ZIP codes anywhere in the state.
- Charleston: 200,170 (July 1, 2025 estimate)
- Huntington-Ashland (WV-KY-OH): 365,965 (July 1, 2025 estimate, whole metro area)
- Hagerstown-Martinsburg (MD-WV): 315,280 (July 1, 2025 estimate, whole metro area)
- Morgantown: 141,995 (July 1, 2025 estimate)
- Beckley: 109,940 (July 1, 2025 estimate)
- Parkersburg-Vienna: 87,264 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for West Virginia car accident leads
Every West Virginia car accident lead is delivered with its TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. For calling rules specific to the state, see the West Virginia entry in the state telemarketing laws table; for MVA and home improvement together, see leads in West Virginia.
West Virginia car accident lead questions
What uninsured motorist coverage does West Virginia require?
The Offices of the Insurance Commissioner (as of October 7, 2026) lists uninsured motorist coverage as mandatory at $25,000/$50,000 for bodily injury and $25,000 for property damage. Underinsured motorist coverage is optional, and insurers must offer it.
How does West Virginia compare fault in a multi-car crash?
Under W. Va. Code 55-7-13c(c), as enacted in 2015, a plaintiff is barred only if their fault is greater than the combined fault of all other responsible persons. This is general information, not legal advice.
What does the West Virginia Rule 7.2 comment say about lead generators?
Comment [5] to Rule 7.2 of the West Virginia Rules of Professional Conduct discusses paying others for generating client leads and sets out conditions. Buying firms read it with their own counsel; this page does not interpret it.
Can a buyer take West Virginia leads only in the Huntington or Martinsburg area?
Yes. Filters go down to the ZIP code, so a buyer can limit delivery to the West Virginia ZIP codes inside one metro area. Leads are exclusive by default, and shared delivery is available on request.
Request West Virginia car accident leads
Email us the West Virginia ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
Generating leads instead? Sell your leads