West Virginia Auto Insurance
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West Virginia Insurance Requirements
To keep you on the right side of the law, you must have Liability and Uninsured Motorist coverage. Anything you choose beyond that, including higher liability limits, is totally optional.
Here’s a close look at mandatory West Virginia coverage requirements.
Two Coverages: Bodily Injury and Property Damage
Liability consists of two types of protection: Bodily Injury (BI) and Property Damage (PD). Bodily injury liability covers the losses due to injury or death suffered by the party(s) involved in an accident that you cause. Medical expenses, pain and suffering and lost wages are the types of claims that can be made. Property damage liability covers the losses to property damaged as a result of an accident you cause. Crushed fenders, broken sign poles and smashed buildings are examples of the type of damage covered by PD liability.
West Virginia Minimum Liability Limits
In West Virginia, minimum liability limits are 20/40/10. If you choose these limits it means your insurer will pay a maximum of $20,000 in bodily injury claims for a single person and a maximum of $40,000 combined bodily injury claims when more than one person is injured or dies in the accident. Ten thousand dollars is the maximum your insurer will pay to cover the costs to repair or replace any damaged property.
Paying claims for bodily injury and/or property damage
The same liability limits (20/40/10) are required for Uninsured Motorist coverage. This type of auto insurance pays claims you make for bodily injury and/or property damage if the at-fault driver is uninsured or is a hit-and-run driver. Since you would not be able to make a claim against the at-fault driver in these situations, your insurer will pay your claims as long as this type of coverage is part of your auto insurance policy.
Paying repair costs
You may want to purchase optional Collision coverage to help pay towards the cost to repair your vehicle if it is damaged in a collision for which you’re determined at-fault. Another type of optional coverage called Comprehensive pays towards the cost to repair your vehicle if damaged for reasons like vandalism, flood, and other reasons beyond your control.
West Virginia Offices of the Commissioner
You can go online at http://www.wvinsurance.gov to learn more. Or call the West Virginia Offices of the Commissioner at 304-558-3386 or toll-free 888-879-9842.