Car Insurance in WV: Everything You Need to Know

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If you own a car in West Virginia, you must have car insurance. It’s the law. But finding the right car insurance can be overwhelming, especially if you’re not familiar with the terminology and the coverage options available to you. In this article, we’ll guide you through the basics of car insurance in West Virginia, explain the types of coverage, and answer some frequently asked questions.

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What Is Car Insurance?

Car insurance is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company agrees to cover certain expenses if you’re involved in a car accident or if your car is stolen or damaged. Car insurance can also protect you from lawsuits if you’re found to be at fault in an accident.

In West Virginia, car insurance is mandatory. You must have liability coverage, which covers the cost of damages and injuries you cause to others in an accident. You must also have uninsured motorist coverage, which protects you if you’re hit by a driver who doesn’t have insurance. Additionally, you may want to consider other types of coverage, such as collision, comprehensive, and personal injury protection.

Types of Car Insurance Coverage in WV

Liability Coverage

Liability coverage is the most basic type of car insurance coverage in West Virginia. It covers the cost of damages and injuries you cause to others in an accident. The minimum liability coverage required by law in West Virginia is:

Minimum Liability Coverage
Required Amount
Bodily Injury Liability
$25,000 per person / $50,000 per accident
Property Damage Liability
$25,000 per accident

Keep in mind that these are just the minimum requirements. You may want to consider purchasing higher limits to protect yourself in case of a serious accident. If the damages and injuries you cause exceed your liability limits, you could be held financially responsible for the remaining amount.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you’re hit by a driver who doesn’t have insurance. It can also provide coverage if you’re involved in a hit-and-run accident. The minimum uninsured motorist coverage required by law in West Virginia is:

Minimum Uninsured Motorist Coverage
Required Amount
Uninsured Motorist Bodily Injury
$25,000 per person / $50,000 per accident
Uninsured Motorist Property Damage
$25,000 per accident

Again, these are just the minimum requirements. You may want to consider purchasing higher limits to protect yourself in case of a serious accident.

Collision Coverage

Collision coverage pays for damages to your car if you’re involved in a collision, regardless of who is at fault. This type of coverage is optional in West Virginia, but it’s recommended if you have a newer or more expensive car. Keep in mind that collision coverage only covers the cost of damages to your car, not the cost of damages to other cars or property.

Comprehensive Coverage

Comprehensive coverage pays for damages to your car that are not the result of a collision, such as theft, vandalism, or weather-related damage. Like collision coverage, comprehensive coverage is optional but recommended if you have a newer or more expensive car.

Personal Injury Protection

Personal injury protection, or PIP, provides coverage for medical expenses and lost wages for you and your passengers if you’re involved in an accident, regardless of who is at fault. PIP is optional in West Virginia, but it’s worth considering if you don’t have health insurance or if you have a high deductible.

FAQ About Car Insurance in WV

Q: How much does car insurance cost in West Virginia?

A: The cost of car insurance in West Virginia varies depending on several factors, such as your age, driving record, location, and the type of car you drive. On average, West Virginia drivers pay around $1,200 per year for car insurance.

Q: What should I do if I’m involved in a car accident?

A: If you’re involved in a car accident, stay calm and call 911 if anyone is injured. Exchange contact and insurance information with the other driver(s), and take photos of the damage and the scene of the accident. Notify your insurance company as soon as possible, even if you’re not at fault.

Q: Will my car insurance cover me if I’m driving out of state?

A: Yes, your car insurance should cover you if you’re driving out of state. However, it’s a good idea to check with your insurance company to make sure you have the proper coverage.

Q: Can I get car insurance with a suspended license?

A: It’s possible to get car insurance with a suspended license, but it may be more difficult and more expensive. You’ll need to provide proof of insurance to get your license reinstated.

Q: How can I save money on car insurance in West Virginia?

A: There are several ways to save money on car insurance in West Virginia. You can raise your deductible, bundle your car insurance with your home insurance, take a defensive driving course, or shop around for the best rates.

Conclusion

Car insurance is an important investment for West Virginia drivers. By understanding the types of coverage available and knowing your options, you can protect yourself and your car from the unexpected. Be sure to shop around for the best rates and coverage, and don’t hesitate to ask questions or seek advice from a trusted insurance professional.

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