West Virginia Car Insurance
Car Insurance » West Virginia
If you plan to drive in the state of West Virginia then you need to have auto insurance and it must cover the minimum set by the state. Smart drivers always consider these minimum but opt for coverage that exceed these numbers. In fact most car insurance companies at the time of your application for coverage will let you know that the minimum is not enough. Save yourself thousands of dollars in out of pocket costs and loss of assets by opting for coverage that exceeds the state’s minimum.
Below is a breakdown of what West Virginia law demands from its drivers.
First and foremost is the liability insurance that all auto owners must have. When you register you will be asked to sign a statement to validate that your coverage meets the state’s requirements at minimum. In addition to this drivers must always be prepared to provide proof of WV car insurance. This means that a copy of your insurance must be present in the vehicle to provide evidence if you have an accident or are pulled over by a law enforcement official for some violation.
The mandatory minimums for the state are $10,000 for damage to property, $20,000 for injury or death and $40,000 for injury or death of two or more people. Some types of vehicles are exempt from these state laws. They are RVs, antique cars and vehicles used for farming. These exemptions can change so it is important to check the department of motor vehicles before you make false assumptions or act on incorrect advice. If you are involved in an accident where the person at fault does not have insurance you can take it up in a civil court and have the registration of the uninsured driver suspended until he pays for the damages you incur.
If you violate these state regulations by failing to meet the minimum requirements you will be fined and penalized by civil judgment and by the department of motor vehicles.
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