West Virginia Auto Insurance

Drivers in the state of West Virginia are required to carry auto insurance coverage and to keep proof of their coverage in the car with them at all times. If you're in an accident, driving without insurance, you will not only have to pay all the costs out of pocket, but can also face heavy fines and lose your right to drive.

In West Virginia, there's another reason you should purchase auto insurance: Almost 1 in every 10 drivers has no auto insurance coverage. If you're in an accident with an uninsured motorist, you could also face additional financial burdens.

Minimum West Virginia auto insurance

There are certain minimum amounts of insurance you're required to have in order to drive in West Virginia, in the following amounts:

• Bodily Injury and Death: $20,000 to cover one person in any one accident, and $40,000 to cover all injuries
• Property Damages: $10,000 

However, you may want to carry more coverage than just these minimums, in case you're in a bad accident. You will also be required to carry uninsured motorist coverage in West Virginia, but this is generally a good idea anyways, considering that 8% of West Virginia residents have no auto insurance coverage.

West Virginia has a tort system, meaning that in case of an accident, one of the drivers involved must be found at fault for causing the collision. The at-fault driver will be responsible for covering all the damages involved, and usually this is processed through the driver's insurance coverage. For this reason it's important to make sure you have enough insurance to cover all costs in case a bad accident should occur.

Penalties without West Virginia auto insurance

If you're driving without insurance and caught, you can have your license and registration suspended for a month, and you may also be fined a $100 fee. In order to reinstate your license, you'll need to show proof of insurance and pay another fee . For future offenses, you'll have to pay higher fines as well.

Request a free quote for West Virginia auto insurance today!