Most Hampton Roads crash claims settle. Here’s what shapes the amount.
Fault
Contributory negligence means any fault on your part can end the claim, so insurers press hard on liability.
Coverage
Liability limits under § 46.2-472 plus your own UM and UIM set the realistic ceiling.
Medical bills and liens
Provider liens are capped under § 8.01-66.2, but health plans may seek more.
Seat belts
Not wearing a belt can’t be used to reduce damages under § 46.2-1094.
Releases
A signed release generally ends the claim. Understand your injuries before signing.