Bodily Injury Requirements in West Virginia
When purchasing car insurance in West Virginia, certain limits are mandatory. Bodily injury liability is one of them and extremely vital.
This coverage will help pay for the other driver's injuries should you be at fault for an accident. In West Virginia, bodily injury liability is required at the minimum limits of $25,000 per person and $50,000 per accident.
Property Damage Requirements in West Virginia
Property damage liability is mandatory in some states and helps pay for damage you caused due to an at-fault accident. This limit will keep your pocketbook protected in the event of a major loss.
In West Virginia, you must carry a minimum of $25,000 in property damage liability. Some insureds opt for higher limits in order to be sufficiently covered when an accident arises.
Medical Payments Coverage Requirements in West Virginia
Some states require that drivers carry a coverage called personal injury protection, or PIP, under their auto policy. This limit will pay for your medical expenses when injured due to an at-fault accident.
West Virginia does not mandate PIP, but if you want protection in a similar manner, consider obtaining medical payments coverage. Without this limit, you will be responsible for any hospital bills on your own.
Uninsured Motorist Coverage in West Virginia
Uninsured motorist coverage helps victims who are struck by an uninsured driver pay for damage and injuries they sustain. This is a required coverage in some states, and it is necessary in all states.
West Virginia requires all drivers to carry uninsured motorist coverage for proper protection. Unfortunately, not everyone follows the rules, leaving 10.1% of all West Virginia drivers uninsured.
Optional Car Coverage in West Virginia
Collision insurance and comprehensive insurance are considered "full coverage" and one of the many optional limits under your West Virginia auto policy. These coverages help pay for damage to your personal vehicles.
Like most states, West Virginia car insurance comes standard with the minimum liability limits only. That means if you want protection for your cars and other property, you'll need to add it for an extra premium.
Car Insurance Discounts to Consider in West Virginia
Discounts on car insurance can be applied when you know what's available. In West Virginia, the most common way to cut costs from the get-go is through a multiple policy discount when you get more than one policy with a carrier.
This one discount alone will save you 30% or more on your overall coverage. Another way to save is just by being loyal to the same carrier for a period of time. And if you're part of an association like a teachers union or government agency, you can lower your premiums even more.
How to File a Car Insurance Claim in West Virginia
When you're in the middle of an accident, things can get overwhelming, fast. To help stay focused, follow these four easy steps for filing a car insurance claim in West Virginia
First, get to a safe spot and seek necessary medical attention. Second, call your independent insurance agent to report the accident and obtain a claims number. Third, always get pictures and a police report so you have documentation. Last, contact your adjuster about setting up a rental vehicle and assessing the loss and payments.