West Virginia Car Insurance
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What you Want to Know about West Virginia Car Insurance
Is West Virginia car insurance required for all motorists?
Yes. The State of West Virginia requires its motorists to carry liability coverage and uninsured/underinsured motorist coverage.
How much coverage do I need?
The minimum requirements for West Virginia car insurance are $20,000 for bodily injury per person, $40,000 for bodily injury per accident and $10,000 for property damage per accident.
The 20/40/10 requirements apply to liability coverage and uninsured/underinsured motorist coverage.
It is important to remember that these limits are the minimum requirements set by the State of West Virginia and may not be enough to pay for legal fees and damages for which you may be responsible after an accident.
Optional Coverage
Collision coverage can be added to your West Virginia car insurance and will pay for damage to your car after a collision with another vehicle or object.
Conversely, comprehensive coverage will pay for any damage from almost all other causes aside from collision. For instance, comprehensive coverage would pay for damage caused by flood, fire, hail, theft and vandalism.
Ultimately, you must decide what kind of coverage you want included in your West Virginia car insurance policy. Remember that these types of coverage can be added to your West Virginia car insurance at a later date if you so choose.
How can I get coverage if I've been turned down for West Virginia car insurance?
If you are unable to purchase West Virginia car insurance through the normal market, you may be eligible for high-risk insurance through West Virginia's Automobile Insurance Plan Service Office (AIPSO).
AIPSO can be purchased through any licensed West Virginia car insurance agent, but should only be purchased as a last resort as you pay very high premiums for AIPSO coverage.
Can my West Virginia car insurance be cancelled?
According to the West Virginia Insurance Commission, your West Virginia car insurance can be cancelled for any of the following reasons:
- Nonpayment of premium
- Fraudulent behavior
- Misrepresentation of information
- Suspension of driver's license
- Receipt of three violations in 12 months
- Conviction of felony or assault involving a car
- Negligent homicide involving a car
- Operating while intoxicated
If you feel that your West Virginia car insurance was unfairly cancelled, contact your agent for details. If you do not receive a satisfactory response, contact the West Virginia Insurance Commission for help.
Where can I get more information on West Virginia car insurance?
The West Virginia Insurance Commission has a wealth of information on West Virginia car insurance. For more information, contact them at (888) TRY-WVIC or visit them on the Web.
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