We at Mutual Insurance Partners know that auto insurance isn’t optional.
Whether you’re in Follansbee, WV or throughout the state, West Virginia has specific auto insurance requirements. Lacking even the most basic coverage is a risk. It could lead to fines, suspension, or loss of driving privileges entirely.
Fortunately, Mutual Insurance Partners can help. Our experienced agents want to ensure you’re protected on the roadways.
Here are three essential must-haves for any auto insurance policy:
Bodily injury liability
Like most other states, liability is a key component of auto insurance in West Virginia. In the event of an accident, bodily injury liability kicks in. This covers expenses that may result from physical harm or injuries you may have caused to other motorists. All drivers must carry at least $25,000 in protection for a single person. By law, a combined $50,000 is required for all individuals in a single accident.
Property damage liability
Property damage coverage is another form of liability, but it applies to a person’s property instead. Although vehicular damage is included, these plans also shield against the destruction of fences, mailboxes, and other structures. Residents in the Mountain State must carry at least $25,000 per accident.
Uninsured motorist coverage
Uninsured motorist coverage ensures you are better covered in any accident, regardless of fault. This extends additional coverage if you’re involved in an incident with another motorist who doesn’t have adequate liability protection. Equal to liability, the state mandates minimums of "25/50/25" as well.
Contact Us Today
While these items will keep you street legal, Mutual Insurance Partners in Follansbee, WV knows that minimum coverage is rarely enough. Their team of seasoned agents can find a policy that best protects you and your family. Schedule an appointment with a "pro" today.
