Auto Insurance Requirements in West Virginia

In the state of West Virginia, you must have Liability and Uninsured Motorist coverage. Any other type of auto insurance is completely optional. West Virginia pays more than $1.2 billion annually for auto accidents. The state makes payments annually towards highway safety programs. West Virginia wants to keep it’s residents safe for many years to come. The residents of West Virginia need to do their part as well. Individuals need to purchase auto insurance for themselves and their families.

Liability consist of protection against bodily injury and property damage. Bodily injury liability covers the losses an individual sustains due to injury or death in an auto accident that you caused. The individual can make demands for medical expenses, pain and suffering, and lost wages. Property damage liability will cover property that was damaged as the result of an accident you caused. Property damage can be broken street signs or damaged fenders.

The minimum liability limits for West Virginia are 20/40/10. If you choose to purchase the minimum state limits your insurer will pay a maximum of $20,000 for bodily injury claims for a single person. Your insurer will also pay a maximum of $40,000 for joint bodily injury claims when more than one person has been killed in the accident. The insurer will pay a maximum of $10,000 to repair any property damage you caused due to an automobile accident.

West Virginia requires you to have Uninsured Motorist coverage. The minimum coverage allowed is 20/40/10. This type of insurance coverage pays claims for damage caused by an at-fault driver who is uninsured or a hit-and-run driver. In these types of situations, you are not able to file a claim against the at-fault individual. Your insurance company will pay you for your damages in this type of situation.

West Virginia does not play games when it comes to auto insurance. You don’t want to be involved in an accident without liability insurance. If you are, you will not be allowed to register a vehicle in the state of West Virginia until you pay the other driver in full for their damages.