West Virginia Car Insurance Laws

You may be moving to West Virgina due to its vicinity to Washington D.C. or you may be moving to the outskirts of Monongahela National Forest. Moving to West Virginia is just as often a choice as it is a necessity. When preparing to move to West Virginia make sure you learn the differences in the car insurance laws before searching for a local agent in the neighborhood you plan to move to.

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The state minimums in West Virginia are:

$20,000 Bodily Injury Liability (per person)
$40,000 Bodily Injury Liability (per accident)
$10,000 Property Damage Liability
$20,000 Uninsured/Underinsured Motorist Bodily Injury Liability (per person)
$40,000 Uninsured/Underinsured Motorist Bodily Injury Liability (per accident)
$10,000 Uninsured/Underinsured Property Damage Liability

Motor vehicle courts in West Virginia find one party to be at fault in an accident. The insurance company of the person found to be at-fault will be responsible for the damages from the accident.

The Department of Motor Vehicles conducts random insurance checks throughout the year. Insurance verification may be conducted at any time. If an insured driver receives a notice, they are required to send back proof of auto insurance immediately. If they do not send back proof, or the proof is unacceptable, both the driver's license as well as the vehicle registration of the uninsured driver will be suspended.