$25,000 is West Virginia's minimum bodily injury limit per person, but that is not the whole story in a Charleston Uber crash.

Bad advice says "just file on the driver's insurance." That is often wrong. If you were a rideshare passenger, coverage can reach the company policy, not just the driver's personal 25/50/25 policy. The key is proving what phase of the trip the driver was in when the crash happened.

In the next 24 hours:

Get proof that you were an active passenger in the app. Take screenshots showing:

• the driver's name
• the trip receipt
• the pickup and drop-off
• the time of the crash
• the route

Also save photos of the vehicles, license plates, your injuries, and the crash scene. On Charleston roads and summer routes like I-64, I-77, and Corridor G, that can matter if the other vehicle was a coal, logging, or oilfield truck.

Ask for the crash report number from Charleston Police Department or West Virginia State Police, depending on who responded. Get the names of every insurer mentioned at the scene.

In the next week:

Request the full crash report and your EMS and ER records from the hospital. If Kanawha County EMS responded, get that run sheet too.

Report the claim to Uber through the app and keep every message. Do not assume Uber already "knows what happened." You need a paper trail showing you were inside the ride when the wreck happened.

If another driver caused the crash, preserve evidence against that driver too. As a passenger, you may have claims under multiple policies.

In the next month:

Collect wage-loss proof, follow-up treatment records, and a short timeline of your symptoms. If an insurer tries to push you into the driver's personal policy only, the real dispute is usually app status and trip timing.

That is why the most important evidence is not just medical proof. It is proof of rideshare status at the exact moment of impact. Without that, insurers will act like your case is worth only the bare minimum.