Find the Cheapest Auto Insurance Provider in Now!

West Virginia car insurance Legal Requirements

Most people are well aware of the fact that if they want to drive a vehicle in any state of the US, they would have to comply with the laws, rules and regulations that are prevalent in that state. This is true of the state of Virginia as well., which has its own unique set of rules that govern car insurance and its administration. It makes sense for prospective and current car drivers to gain knowledge of these regulations, so as to be able to comply fully with the provisions of the law.

Minimum Coverage of Car Insurance In West Virginia

There are certain minimum car insurance coverage requirements that all car owners, whether old or new, will have to comply with. These are as follows:

-       Minimum bodily coverage in the case of injury to or death of one person in one accident is $20,000

-       Minimum coverage required for two or more persons injured or killed in one accident is $40,000.

-       $10,000 coverage for damage to or destruction of property of other(s) in one accident.

These are the minimum financial responsibility requirements for all drivers in the state of West Virginia, which are represented by the term 20,000/40,000/10,000. These are designed to ensure that drivers have a financial responsibility towards life and property of others, when they choose to come on the road.

Optional Uninsured (UM) and Underinsured Motorist (UIM) Coverage:

The state of West Virginia stipulates that driver can go in for optional insurance coverage, where it is needed for bodily liability coverage. The maximum amount of UIM that can be bough is $100,000 per person injured in an accident as well as $300,000 for all persons injured in any one accident. It is $50,000 in the case of damage or injury to property.

Proof of Car Insurance

All West Virginia drivers are required to carry documented proof of car insurance while driving. This proof is in the form of certificate of insurance or VW-1, which they should be able to furnish on demand by law enforcement officers or department of Revenue officials. Proof of insurance can be asked for even when there has been no accident or untoward incident involving the car.

Failure to provide proof

Failure to furnish the VW-1 or certificate of insurance is construed as non –possession of car insurance that affects driver’s license as well as vehicle registration. The penalty can be in the form of suspension of both the driver’s license as well as vehicle registration. There can also be criminal charges which could involve fines as well as jail time. in any case, drivers have to mandatorily provide proof of insurance to West Virginia Department of Motor Vehicles (DMV).

Other details:

There are quite a few car insurance companies that are present in West Virginia. You should always ensure that you avail legitimate car insurance policy from a registered and authorized car insurance company or agency. It makes sense to have a look at the credentials of the car insurance company that you want to deal with, so that you get insurance as well as service and advice that is most optimal for your needs.

Related posts:

1. Virginia State Car Insurance Legal Requirements