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West Virginia car insurance

West Virginia Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

West Virginia mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to provide proof of insurance means a 30-day suspension for a driver’s license and vehicle registration. A second offense carries a 90-day suspension. In order to reinstate a license, a driver must present proof of insurance, pay a $100 fine, and a $50 fee.

West Virginia Minimum Liability Coverage
Each state sets its own minimum liability amounts. In West Virginia they are as follows:

  • Bodily Injury for One Person: $20,000
  • Bodily Injury for All Injuries: $40,000
  • Property Damage: $10,000

West Virginia Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Wisconsin recommends but does not require everyone to carry minimum UM/UIM coverage equal to or greater than the state required minimums.

No Fault Insurance
In West Virginia, you are not required to carry no-fault insurance. West Virginia is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.