What auto insurance is required in West Virginia?

When you are looking for auto insurance in West Virginia, it is important to find an independent insurance agent that can provide the choices you deserve. At Pro Insurance Group in Follansbee, WV, we share our 60 plus years of experience with our customers. We personalize your coverage to your particular needs. 

Almost every state has insurance requirements for those who drive in their state. West Virginia is no exception. You are required to have both liability coverage and uninsured/underinsured coverage. The amount is 25/50/25 for both types. Liability coverage protects other people from you and uninsured coverage protects you from others who don’t carry enough or have no insurance. It translated to $25,000 for injury to the first person and $50,000 for the entire accident with $25,000 for damage to property.

This is what is mandated by the state but if you have a loan on your vehicle, this will not be the only insurance required. The lender will require you have collision and comprehensive coverage to protect the vehicle they still partially own. Deciding if the minimum amount of liability coverage is enough is important. It is there to protect your assets. You may want to consider going with a higher limit. 

For most people, a vehicle is a necessity, something they just can’t do without on an everyday basis. If you are responsible for the damage to your vehicle you need to have collision and comprehensive coverage so that it can be repaired. That will protect you from theft, vandalism, damage from an accident, hit and run or damage from things like hail, flooding, or wind. 

Contact Pro Insurance Group in Follansbee, WV for all your auto insurance needs. We welcome you to stop in at our office or give us a call for a no-obligation quote.