Auto accidents can be a true headache, even if they are minor accidents. Unfortunately, crashes are a part of life, and most individuals will need to submit an auto insurance claim at some point in their lifetime. There are six basic types of West Virginia auto insurance coverage. Some types of auto coverage are required by law and others are optional.
Here is a brief description of each type of auto insurance coverage:
1. Bodily Injury Liability: Covers injuries that the policyholder causes to someone else.
2. Personal Injury Protection (PIP): Covers medical bills and/or treatment for injuries incurred by the policyholder, driver, and passengers of the policyholder’s car in the event of an accident.
3. Property Damage Liability: Covers damage that the policyholder causes to the property of another individual.
4. Collision: Covers damage to the policyholder’s vehicle resulting from a collision with another vehicle.
5. Comprehensive: Covers damage to the policyholder’s vehicle resulting from an event other than a collision, such as an earthquake, flood, explosion, fire, riot, or theft.
6. Uninsured Motorist’s Coverage: Covers costs related to any accident with an uninsured driver or a hit and run driver.
Discounts and Savings Available for Safe Drivers in West Virginia
West Virginia drivers are required to carry car insurance to operate a vehicle. Drivers who have a clean driving record are most likely going to pay less than those who have tickets or accidents on their record. The best way to get a great price on the auto insurance you need is by making sure you have a clean record. The good thing is, accidents and tickets do not stay on your record forever. After a period of time, the insurance company will not use them to determine your car insurance rates. Even if you have an accident or a ticket on your record now, avoiding accidents or tickets in the future will allow you to have a clean record again, and you’ll be able to lower the cost of your car insurance.
Consider the Age of Your Current West Virginia Policy
Comparing quotes is another way to save money. An old policy may no longer serve you, so even if you have a West Virginia car insurance policy right now, you may not have the best one for your needs. Taking the time to compare different options can lower your rates while increasing your coverage. If you had an accident or ticket on your record, but it has been a few years since it happened, try looking into different insurance policies. The new policies might not count the accident or ticket, enabling you to start a new auto policy with a clean driving record and lower your rates.
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Save Money When Adding Teen Drivers in West Virginia to a Policy
The age of the driver means a lot when considering the cost of coverage. Adding teen drivers to your policy means your rates are going to go up. Teen drivers are more likely to get in an accident or get a ticket than other age brackets, so car insurance for a teen driver is often higher. However, there are ways to reduce the coverage costs when adding teen drivers to your policy. Many insurance companies today will offer discounts for driver’s education or safe driving courses and good grades.
Driver’s education courses help teach teens how to drive safely, and safe drivers can be used to discount your auto insurance. On top of that, consider having your teen enroll in a safe driving course. These courses can be fun and include how to control a vehicle during dangerous weather, how to anticipate dangerous situations, how to react to different road conditions, and making informed decisions on the road. After they take a safe driving course, you can see a significant discount on your insurance rates.
Good grades can also lead to lower rates. If you’re adding a teen who is still in high school, their grades can help you lower your rates. Talk with your insurance agent if you’re interested in seeing how much of a difference good grades can make and what the grades need to be for this discount to be applicable.
Make Sure You Have the Right Liability Limits in Your West Virginia Car Insurance Policy
Before you purchase car insurance in the state of West Virginia, consider the bodily injury liability and property damage liability coverage you need. Having insurance in West Virginia is a responsibility all drivers must take seriously. Getting comprehensive coverage is of the utmost importance. Each state has its own insurance requirements, and the Mountain State is no different.
State Minimum Coverage for West Virginia Drivers
The state minimum coverage in West Virginia for car insurance, as determined by the West Virginia Offices of the Insurance Commissioner (https://www.wvinsurance.gov/consumerservices/Consumer-Services_Mandatory-Limits) are as follows:
Liability: $25,000 per person. $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured or Under Motorist: $25,000 per person. $50,000 per accident.
Property damage liability: $25,000 per accident
Uninsured Motorist Bodily Injury: $100,000/$300,000 (maximum)
Property damage: $50,000 per accident
Underinsured Motorist Bodily Injury: $ 25,000/$ 50,000 (minimum)
Property damage: $25,000 per accident
However, it’s often a good idea to get far more than the state minimum coverage in West Virginia. If you’re in a car accident that is your fault, you want to have your auto policy cover as much as possible for any injuries or damages that result from the accident. If the accident’s costs exceed your policy, you could end up being required to pay the remainder out of pocket.
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Bodily Insurance Liability Insurance in the State of West Virginia
Bodily injury liability covers injuries to those in the other vehicle if you cause an accident with another car. This could include medical bills, emergency aid expenses, long-term treatments for serious injuries, and time off work for recovery. This can quickly add up to quite a bit of money, especially if there was more than one person in the vehicle. That’s why it’s so important to have comprehensive coverage. Motorist property damage covers anything you might hit if you cause an accident. This could be another vehicle, fences, walls, light posts, and more. It can also include property in the other vehicle that is damaged because of the accident. This adds up quickly as well, especially if the other vehicle needs to be replaced.
The difference in price for state minimum coverage and a far higher coverage amount is small. It’s likely going to be worth it for drivers in West Virginia to pay the extra to have more coverage just if something happens. If you do end up making a mistake and being at fault for an accident, you will feel better knowing your insurer will be able to handle all of it on your behalf.
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Excellent Customer Service with Your West Virginia Auto Insurance Policy
As a West Virginia driver, car insurance coverage is crucial, but it doesn’t need to be expensive. If you find that your old car insurance is no longer cutting it, and you’re ready to shop around for a new policy so you can get better coverage and save money, talk to an agent at Yeager Insurance in Charleston, West Virginia, today. Our insurance agents are friendly and knowledgeable about the state requirements for West Virginia auto insurance. We are willing to listen to what you need and help make sure you can find the most comprehensive auto policy. We shop around and compare policies and quotes from multiple insurers for you to get the best price on your policy.
IS YOUR OLD AUTO POLICY NO LONGER SERVING YOU? CHOOSE A CUSTOMER-FOCUSED AGENCY.
Some of the West Virginia insurance providers we write for include:
- West Virginia National Auto Insurance Company
- Dairyland Insurance
- Foremost Insurance Group
- Berkshire Hathaway Guard Insurance Companies
- The Hartford
- The Motorist Insurance Group
- Pacific Life
- State Auto Insurance Companies