West Virginia Auto Insurance
Each state requires motorists to carry some form of car insurance. In West Virginia, drivers must have bodily injury and property damage liability as well as uninsured motorist protection before they step on the gas pedal.
Bodily injury liability can cover medical, rehabilitation, or funeral expenses of another party in the instance that he or she is injured in a wreck that you caused. Property damage liability can pay for repairs or replacements of another person's property such as his or her vehicle. Both liability protections only cover costs up to your policy's maximum limitations.
In West Virginia, the minimum liability limits are:
- $25,000 bodily injury coverage per person
- $40,000 total injury coverage per incident
- $10,000 coverage for property damage
West Virginians must possess uninsured motorist coverage, which can pay for your car or other property to be repaired or replaced in the event that it's damaged when you're struck by a driver who doesn't have insurance. Your own policy can kick in in this instance and get you speedy repairs in lieu of spending weeks or months trying to get the other party to pay for the damage out of pocket.
Though it may be tempting to stick to the state-regulated coverage minimums, doing so presents a big risk. Any costs that exceed your coverage must be paid out of pocket when you're responsible for a collision, so it's often beneficial to have more insurance protection.
Auto insurance discounts in the Mountain State
Motorists in West Virginia are eligible for:
- Multi-policy discount.
- Multi-car discount.
- Good driver discount.
- Good student discount.
- Homeowner discount.
- Safety features discount.
One thing to remember. Those price breaks vary greatly according to different providers.
For more information on these discounts and to find out if you qualify, contact a licensed agent today. He or she will also walk you through the best coverage options and find a policy that fits your needs and budget.