The first step in filing a motorcycle accident claim in West Virginia is determining the at-fault party. Since West Virginia handles vehicle accidents with a fault-based system, you must file your motorcycle accident claim against the at-fault driver’s insurance policy. If an at-fault driver’s coverage will fully pay for your damages, then it is likely your claim ends there once you receive your settlement. If the driver does not carry insurance or does not have sufficient coverage for all of your damages, then you may need to make a claim against your own insurance policy or file a personal injury lawsuit against the at-fault driver.