VictimsGuide

A Citizen’s Guide to Auto Insurance and Crash Law

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U.S. VIRGIN ISLANDS AUTO INSURANCE GUIDE

U.S. Virgin Islands Crash Damages, Former $100,000 Noneconomic-Damages Cap, Property Claims & Loss of Use

Virgin Islands Code title 20, § 555 still contains text purporting to cap noneconomic damages in motor-vehicle cases at $100,000, subject to a gross-negligence or willful-conduct exception. However, the Supreme Court of the Virgin Islands held that cap unconstitutional in Balboni v. Ranger American of the V.I., Inc., 2019 VI 17.

  • Do not treat the $100,000 statutory text as an operative damages ceiling without analyzing Balboni and any later authority.
  • Economic damages, property damage, loss of use, medical expenses, lost earnings and other recoverable items remain separate components of damages analysis.
  • Preserve medical proof, wage-loss records, repair evidence and evidence supporting the nature and duration of noneconomic loss.

Current-law review: September 17, 2026. Verify whether any later legislation or controlling Virgin Islands appellate authority has altered the effect of Balboni before publication or reliance.