The insurance adjuster called again today, didn’t they? Offering a quick settlement that barely covers your emergency room visit while you’re still in pain from last week’s I-64 crash. This is exactly how insurance companies operate—they know you’re overwhelmed, and they’re counting on it.
I-64 remains one of Virginia’smost dangerous highways, and after handling thousands of Hampton Roads accidents over four decades, I’ve seen how these crashes devastate families. Each collision creates a cascade of problems: medical bills, missed work, insurance company games, and the nagging question—what happens if my injuries get worse?
Hampton Roads Highway Dangers Are Real
Interstate 64 connects Norfolk to Virginia Beach through some of the most congested corridors in Virginia. The stretch between the I-64/I-264 interchange sees constant pileups from dense traffic, ongoing construction, and distracted drivers checking their phones.
When crashes happen here, victims typically get rushed to Sentara Norfolk General Hospital’s Level 1 Adult Trauma Center. While their emergency teams provide excellent care around the clock, those medical bills start piling up before you’ve even processed what happened to you.
VDOT reported1,300 work zone crashes across Hampton Roadsin 2021 alone, with speeding being the primary culprit. These aren’t just statistics—they represent real people whose lives got turned upside down in seconds.
Here’s what car accident costs look like in Virginia:
| Scenario | Estimated Cost (Virginia) |
| Average medical cost per crash | ~$15,000 |
| Emergency room visit (avg) | ~$3,300 |
| Inpatient hospitalization (avg) | ~$57,000 |
| Ground ambulance (avg) | ~$1,500 |
| Air ambulance (avg) | ~$50,000 |
Looking at these numbers, you’re probably wondering who’s actually going to pay for all this. Your insurance company? The other driver’s insurance? The harsh reality is that insurance companies will fight to pay as little as possible.
Virginia’s Harsh Legal Reality
Consider what happened on July 11, 2025, when a five-vehicle collision shut down I-64 at the Hampton Roads Bridge-Tunnel. According to13News Now, Virginia State Police had to conduct a full accident reconstruction to determine fault.
Why does fault matter so much in Virginia? Because of our state’s contributory negligence law. If you’re found even one percent at fault, you could lose everything. Yes, you read that correctly—1% fault means zero compensation under Virginia law.
Multi-car crashes get particularly complicated. Insurance companies hire teams of investigators and lawyers to shift blame onto victims. They’ll claim you were following too closely, driving too fast for conditions, or distracted—anything to avoid paying your claim.
What happens when multiple insurance policies get involved? The at-fault driver might only carry minimum coverage that doesn’t begin to cover everyone’s damages. Without proper Uninsured/Underinsured Motorist coverage, you could be left holding the bag for someone else’s negligence.
Insurance Company Tactics You’re Facing Right Now
Insurance companiesaren’t your friends, despite what their commercials suggest. Their adjusters get trained to minimize payouts through specific strategies I’ve seen thousands of times:
They’ll rush you to settle before you know the full extent of your injuries. That back pain might seem minor now, but what if it requires surgery in six months? They’ll dispute medical bills, claiming treatments weren’t necessary. They’ll delay payments hoping you’ll get desperate and accept whatever they offer.
These companies have teams of lawyers working against you from day one. Shouldn’t you have someone fighting just as hard for you?
How Can a Virginia Car Accident Lawyer Level the Playing Field
After four decades of taking on insurance companies in Hampton Roads, I’ve learned their playbook inside and out. When State Farm tries their standard delay tactics, I know exactly how to respond. When GEICO disputes your medical bills, I’ve got the medical experts to prove they’re wrong.
Virginia’s contributory negligence laws create a minefield that can destroy your case if you don’t know what you’re doing. Insurance companies bank on victims not understanding these harsh rules. They’ll try to get you to admit fault in recorded statements, use your own words against you, or find tiny mistakes to eliminate your claim entirely.
That’s where The Hammer comes in. I don’t back down from insurance companies because I’ve been hammering them for over 40 years. When they see my name on a case, they know they’re in for a fight.
Don’t Face This Alone
Between managing your recovery, dealing with car repairs, missing work, and fielding calls from insurance adjusters, you’re already carrying too much. Adding the stress of negotiating with billion-dollar corporations isn’t fair to you or your family.
I’ve handled thousands of I-64 and I-264 crashes, from minor fender-benders to catastrophic collisions. Every case gets my personal attention because I learned long ago that $4,000 cases are just as important as $400,000 cases—they’re all important to the people living them.
Your case has value, and you deserve someone who knows how to prove it. The insurance companies have teams of lawyers working against you. It’s time you had The Hammer working for you.
VisitThe Hammertoday toschedule your free consultation. I’ll handle the insurance company games so you can focus on getting better. Call (757) 461-5555 or (757) 459-CASH—The Hammer is ready to fight for you.
