Auto Insurance Requirements in West Virginia

Auto Insurance Requirements in West Virginia

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To drive in West Virginia, you'll need to carry auto insurance with liability and uninsured motorist coverage. A minimum-coverage policy includes $25,000 for bodily injury liability insurance per person and $50,000 per accident, along with $25,000 for property damage. The same minimum limits apply to uninsured motorist coverage.

In 2014, the state created the West Virginia Online Insurance Verification program to enforce this requirement. If you're caught driving without insurance, you could face the penalties — so always keep your policy up to date and carry your current insurance ID card with you whenever you drive.

West Virginia required car insurance coverage

WV required min. limits

Bodily injury (BI)

$25,000 per person/$50,000 per accident

Property damage (PD)

$25,000 per accident

Uninsured motorists bodily injury (UMBI)

$25,000 per person/$50,000 per accident

Uninsured motorists property damage (UMPD)

$25,000 per accident

West Virginia car insurance minimum requirements

Your policy should include liability and uninsured motorist insurance with at least the minimum coverage limits. Here's how a minimum-coverage policy breaks down:

Bodily injury (BI): If you cause an accident, bodily injury liability coverage pays for the other party's medical bills — up to $25,000 per person and $50,000 per accident. If the other party takes the matter to court, BI also covers your legal bills. Some insurance companies allow you to raise your coverage limits.

Property damage (PD): This type of coverage pays for the other party's car repairs if you're at fault in the accident. Property damage pays up to $25,000 per accident on your behalf, though some insurers allow you to increase coverage.

Uninsured motorists bodily injury (UMBI): If you're hit by a driver who doesn't have insurance, uninsured motorist coverage pays for your medical bills up to $25,000 per person and $50,000 per accident. If you are looking for more protection, you can choose to buy UMBI in as high as 100/300 limits, but know that your UMBI coverage can only be the same or lower than your BI coverage.

Uninsured motorists property damage (UMPD): This type of coverage pays for property damage — up to $25,000 — if you're hit by an uninsured driver. Insurers can offer higher UMPD limits, as long as they don't exceed the policyholder's PD coverage.

Optional coverage in West Virginia

Car accidents can lead to multiple costs, so it helps to be prepared. Here are two optional coverages to consider buying in West Virginia:

Collision: If your car is damaged in a car accident, collision coverage pays to repair your car — regardless of who's at fault. You'll typically need to pay a deductible, between $50 and $2,000, before coverage kicks in. Keep in mind that the lower your deductible, the higher your premium.

Rental car reimbursement: When you have collision or comprehensive coverage, you will be eligible to purchase rental car reimbursement. As its name suggests, it covers the cost to rent a car when yours is in the shop.

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