West Virginia Car Insurance
Insurantly helps drivers in West Virginia understand the auto insurance coverage requirements. If you are thinking about buying a new policy its important to understand the coverage levels you are actually required to carry. Some coverage may not be appropriate depending on various factors. If you are looking to save money on car insurance having a good understanding of what insurance companies offer and what options you have is critical.
What is the Average Costs on West Virginia Auto Insurance Per Driver?
Current average car insurance premium in West Virginia $1,775.06
Current average car insurance premium U.S. $1,446.49
What are the Average premiums in West Virginia cities?
Uninsured or underinsured Motorist in West Virginia
It is a tragedy to be struck while driving by an uninsured or underinsured motorist. Uninsured motorists do not often take into consideration the repercussions of their actions when driving without insurance. Often it is too late when these motorist realize the error of their ways. Many of these motorists become hit and run drivers to avoid the consequences involved with causing an accident without having the required insurance.
How much UM & UIM Coverage should you get in West Virginia?
West Virginia wants its residents to have the best protection possible so it requires drivers to carry at least $20,000/$40,000 coverage in Uninsured Motorist Bodily Injury and at least $10,000 in Uninsured Motorist property damage. This will help combat the 8% of West Virginia drivers who operate vehicles without auto insurance.
Determining at Fault for an Auto Accident in West Virginia
West Virginia is an at fault state when it comes to automobile accidents. Any driver responsible for an accident must, by law, recoup all the damage costs caused by the collision. The insurance company of the at fault driver is typically where the damages payments come from, easing the burden for motorists.
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured Motorist Bodily Injury: $20,000/$40,000 Limit
Uninsured Motorist Property Damage: $10,000 Limit
When seeking new West Virgina auto insurance Jumping on the first quote received could mean that the motorist is paying way more than they need to. Take your time to compare rates.
State of West Virginia
West Virginia is made up of rivers, mountains, and steep, rolling hills. The area is rich in minerals and natural resources including oil, natural gas, limestone, salt, sand, clay, timber, steel, coal, and glass. Coal product is West Virginia’s most important resource since it can be found under 2/3rd of the state’s land. Because of the mountaineering aspect of the state, there are more rural areas in West Virginia than urban ones. This traditionally makes the state high in rural poverty as many residents are cut off from cities and towns because of the terrain and distance. Recent industry from the software industry has caused the area between the towns of Clarksburg and Morgantown to grow and attract attention from the federal government for future investment opportunities in the area.
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