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West Virginia’s Auto Insurance Requirements Plus Penalties And Fines

West Virginia State FlagIf you are looking for West Virginia car insurance rates to compare or the state minimum cover you have come to the right place. Getting lower quotes is easy by entering your zip code in the advance comparison tool at the top of the page. If you want to learn more about minimum coverage requirements then read on and learn how to reduce your monthly premium today.

The state minimum requirements for West Virginia are as follows

Since there is a significant amount of uninsured motorists in WV, the state has required all drivers to get Uninsured Motorist Protection (UM) with the minimum amount of $20,000 per person and $40,000 per multiple passengers per vehicle. UM is going to compensate you for your financial and non-financial losses which may have been incurred during the auto accident. You would have a legal claim as a result of the other driver’s negligence or if you are involved in an accident from a hit-and-run driver.

Bodily Injury Liability

The minimum quantity of bodily injury liability cover that must be maintained is $20,000 for any medical expenses of a single person with up to $40,000 for all passengers in the car resulting from an auto accident.

Property Damage Liability

This mandatory cover is for damages to buildings, signs, places of business, and the other person’s vehicle. The insurance firm will cover up to $10,000 if you get minimum coverage.

In insurance terms you would see the numbers like this: 20/40/10 which represents thousands. Although these are the minimum amount of coverage for West Virginia you may want to consider other coverage when comparing cheap car insurance quotes. If you have an expensive vehicle then comprehensive or collision cover would be a necessary cover since it would be protected from theft or a broken window. Collision cover would be necessary if you hit an animal or accidentally ran into a tree, for example. There are other coverages you may want to consider depending on your situation, but be sure to get proper cover for your automobile needs since it is more of a hassle to deal with an accident when you are not insured then when you are insured.

Average coverage per driver in the State of West Virginia

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection – 20,000/40,000

  • Medical Payments Cover – $5,000

  • Comprehensive Cover – $100 deductible

  • Collision Cover – $500 deductible

  • Underinsured Motorist Protection – 20,000/40,000

West Virginia’s fines and penalties for driving without insurance

    • Registration of vehicle suspended. The reinstatement fee is minimum $100, plus proof of insurance. If the police pick up your license plate; an additional $50 fee.

    • Suspension of your driver’s license for thirty days – first offense.

    • Suspension of your driver’s license for ninety days – second offense

    • If convicted in a court of law, points will be added to your license and your insurance rates will go up drastically.

Local Car Insurance Agents in West Virginia

If you are in hurry you can get auto insurance quotes right from your home with the tool at the top of the page. You will get quotes from top providers to compare and the best part, there is no obligation to find out if you could save thirty or forty percent on car insurance. You want to save money, if you could cut $40 off your monthly premium without sacrificing cover, then you would save almost $1,500 over the next three years. Give it try you might be able to save even more with Autoinsuresavings comparison tool.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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