West Virginia Auto Insurance Information
Auto insurance. West Virginia.
Car insurance is required in West Virginia. The liability requirements of the state of West Virginia are usually represented as 20/40/10. Thus, insured drivers in West Virginia are required to carry a minimum of $20,000 of medical coverage for a single person injured in an accident, $40,000 of medical coverage for all people injured in an accident, and $10,000 of coverage for property damage per event.
The 20/40/10 limits of coverage for uninsured motorists are also mandatory. Uninsured motorist coverage provides coverage for the insured who is hit by a motorist who is uninsured or by a hit-and-run driver who remains unidentified.
Factors that may affect the premium
Hundreds of companies sell insurance in West Virginia and prices can vary widely. Some factors companies use to set rates:
Shop Around. Prices can differ among companies. Get quotes from different types of companies. Some sell through their direct agents, some sell through independent agents, some sell by mail, some over the internet and some by phone.
Consider higher deductibles. The higher your deductible is, the lower your premium. However, you must be careful not to get in accidents with a higher deductible, as this is the amount that will come out of your pocket before your insurance company starts paying for the rest of the damage to your vehicle.
Ask About Discounts. Such discounts can include:
Some drivers have a hard time obtaining insurance. This can result from a number of factors, including a poor driving record, type of vehicle, claims history, experience, etc. If all attempts fail and you are unable to obtain automobile insurance, any licensed agent can obtain insurance for you through the West Virginia Assigned Risk Plan ("AIPSO"). AIPSO should be a last resort because the premium is generally higher than standard insurance companies. AIPSO is designed to provide a means by which risks that are in good faith entitled to automobile liability insurance, but are unable to secure it, may be assigned to authorized insurance companies. Comprehensive and collision coverages are available, subject to a deductible, but cannot be purchased separately from the liability insurance. Non-owned and commercial vehicles may also be insured with AIPSO.
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