West Virginia Car Insurance (WV)

Like virtually all states in the Union, West Virginia requires that all passenger vehicles registered in the state carry minimum amounts of liability insurance. This insurance is designed solely to protect the other motorist should you be at fault in an accident. If provides no coverage for your injury-related costs or property damage.

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Minimum Insurance Requirements in West Virginia

The minimum bodily injury coverage required for a West Virginia car insurance policy is $20,000 for an individual and $40,000 per incident. This means that if an accident occurs which is your fault, your policy will cover injury-related costs of up to $20,000 for one person in the other car, and up to $40,000 for all passengers. Also required is a minimum of $10,000 in property damage liability, to pay for damage to the other driver's vehicle.

West Virginia also requires uninsured motorist coverage. This component of the insurance policy protects you, your passengers and your car if you are in an accident with a driver who is uninsured or in the case of a hit-and-run accident. The minimum financial requirements are the same as with liability: $20,000 in bodily injury for an individual, $40,000 per incident and $10,000 in property damage.

These are the minimum statutory requirements. These figures do not, however, define the limit of your liability; for that reason, most people carry car insurance with substantially higher liability limits.

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Optional Insurance Coverage in West Virginia (WV)

There are optional car insurance clauses that provide additional protection for you, your car and your passengers. Medical payments coverage will pay for injury-related costs for you and your passengers, regardless of who is at fault. This type of coverage may include emergency and hospital care, as well as compensation for such things as lost work hours and in-home care costs.

Protection for damages to your car comes in two forms. Collision insurance pays for repairs to your car in the event of an accident where you are at fault. Comprehensive coverage pays for damage to your car caused by non-accident related incidents, such as flood or fire damage, theft, vandalism or break-ins.

You can also purchase underinsured motorist coverage. This will make up the gap in a situation where the accident is not your fault and the other driver's liability coverage is insufficient to cover your expenses. Minor policy riders are also available to cover your towing costs from an accident scene, and to pay for a rental vehicle while your car is in the shop.

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