West Virginia Auto Insurance Policy Requirements

Q: What is in a basic West Virginia auto insurance policy?

A: Consumers can add these main options to their West Virginia auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in West Virginia. To legally drive in West Virginia, one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 20/40/10” (West Virginia’s minimum auto insurance requirement)
      2. $20,000 for injury/death to one person.
      3. $40,000 for injury/death to two or more people.
      4. $10,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your West Virginia auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your West Virginia auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a West Virginia auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is required in West Virginia.
  6. Personal Injury Protection (PIP) Coverage is not required under West Virginia state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is West Virginia a No-Fault state? 
A: No, West Virginia is not a no-fault insurance state.
Q: How can I get a discount on a West Virginia auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
Q: Where can I find more information about West Virginia auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in the state of West Virginia:
  1. West Virginia Insurance Resources
    1. The West Virginia Division of Motor Vehicles (DMV) manages the issuance of driver’s licenses, vehicle titles, and registration.
    2. The West Virginia Department of Transportation Consumer Insurance Information helps inform the public of insurance laws and how to find a provider.
  2. National Insurance Resources

CLICKinsure agents are happy to provide their top services to residents of West Virginia. Nestled within the heart of the Appalachian Mountains and home to scenic forests, landscapes, and rivers, West Virginia offers many options in auto insurance plans. Residents in any West Virginia city, including Charleston, Huntington, Parkersburg, Morgantown, Wheeling, Fairmont, and points in between can find reliable insurance information and coverage when they select CLICKinsure as their broker.