West Virgina Auto Insurance
In recent months, West Virginians have enjoyed declining rates on auto insurance. But despite the rollbacks, the market for West Virginia auto insurance remains competitive.
Here at InsureMe, we remain committed to helping you find the right West Virginia auto insurance to fit your particular needs. By entering your information to the right, we will send you up to five free quotes on West Virginia auto insurance so that you can compare quotes, and reap the benefits of West Virginia's decreasing auto insurance rates.
What You Need to Know about West Virginia Auto Insurance
State Requirements for West Virginia Auto Insurance
All motorists are required to carry liability coverage in combination with uninsured/underinsured motorist coverage.
The minimum requirements for these types of coverage are:
- $20,000 total for bodily injury per person
- $40,000 total for bodily injury per accident
- $10,000 total for property damage per accident
It is important to understand that the 20/40/10 requirements are the minimum limits set by the State of West Virginia and may not be enough to cover damages if you are held responsible for an auto accident. Thus, you may want to consider purchasing higher amounts of West Virginia auto insurance to thoroughly protect you in the worst-case scenario.
Optional Types of Coverage
Since liability coverage alone does not pay for damage caused to your automobile, you may want to consider adding collision and comprehensive coverage to your West Virginia auto insurance.
Collision coverage pays for damage to your automobile if it is damaged through a collision with an automobile or other object.
Comprehensive coverage pays for damage to your automobile if it is damaged from events other than collision, such as flood, hail, fire or vandalism.
It is important to note that collision and comprehensive coverage are not required and can usually be added to your West Virginia auto insurance at any time; be sure to ask your West Virginia auto insurance agent for details.
High-Risk Coverage
If you have been turned down for West Virginia auto insurance in the voluntary market, you may be eligible for coverage through West Virginia's Auto Insurance Plan Service Office (AIPSO).
Essentially, AIPSO is high-risk insurance that is sold through West Virginia auto insurance agents when coverage in the normal market cannot be obtained. It is important to note that AIPSO brings with it steep premiums and should only be considered as a last resort.
Cancellation of West Virginia Auto Insurance
According to the West Virginia Insurance Commission, your West Virginia auto insurance policy may be cancelled for:
- Nonpayment
- Committing fraudulent acts
- Suspension of driver's license
- Receipt of three or more violations in a 12-month period
- Felony or assault involving the use of an automobile
- Negligent homicide involving an automobile
- Driving under the influence of alcohol or drugs
If your West Virginia auto insurance is cancelled for the abovementioned reasons, it will be difficult to obtain West Virginia auto insurance through other companies, leaving you with limited options. However, if you feel that your West Virginia auto insurance has been unjustly cancelled, contact your insurance company for details. If you are still unsatisfied, don't hesitate to contact the West Virginia Insurance Commission for help or to file a complaint.
More Information
The goal of the West Virginia Insurance Commission is to help consumers understand their rights concerning insurance. For more information on West Virginia auto insurance, contact them at (888) TRY-WVIC.
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