Officials in West Virginia can easily verify your car insurance status through an electronic online system. Violations of WV car insurance can lead to very harsh fines. Stay safe by avoiding such violations. Read and learn more about West Virginia car insurance laws, rates, programs and discounts.
Car Insurance Requirements
For you to fulfill mandatory West Virginia auto insurance laws, you’re required to have liability and uninsured motorist coverage.
Liability coverage covers the cost of property damage and injuries you may cause to someone else following a car accident. The following minimums must be contained in your liability car insurance:
- $25,000 for death or injuries per person
- $10,000 for property damage
- $50,000 total for death or injuries per accident.
Uninsured Motorist Coverage
Uninsured motorist coverage pays for property damage and injuries you suffer in a car accident involving a driver without car insurance. Though you’re required to have at least the minimum requirement for uninsured motorist coverage, most car insurance providers are expected to offer the maximum limits of uninsured motorist coverage of:
- $50,000 for total injuries per accident
- $25,000 for injuries, per person per accident
- $20,000 for property damage per accident.
NOTE: Higher limits will mean increased premiums.
Optional Car Insurance
Besides West Virginia auto insurance laws that only require you to have liability auto insurance coverage, several other optional coverage types that can help protect you further financially do exist. Various types of optional coverage are offered by Most of the WA car insurance companies as shown below:
- Collision – Covers accident-related damages to your car.
- Comprehensive – Covers non-collision related damages to your car, i.e., those resulting from theft or vandalism
- Towing and labor
- Medical payments.
Proof of Insurance
The WV law requires you to carry proof of insurance in the form of a Certificate of Insurance (Form WV-1), issued by your insurance company, in your car at all times. Additionally, you must have current car insurance in order to register your car in West Virginia.
Through the DMV’s online insurance verification system, the status of your car insurance is electronically verified. Because of this electronic verification, you’re not required to provide your Certificate of Insurance (Form WV-1) during registration processes of renewal process. Though, you might decide to do so in order to help with the process of registration.
Auto Insurance Violations in WV
You’ll face the following penalties if you’re unable to provide proof of insurance upon request of a WV official or if found guilty of driving without car insurance:
- Suspension of your car’s registration : ( to reinstate your registration, you must provide a proof of insurance and pay a fee of $100).
- Suspension of your driver’s license : ( you have to pay $50 reinstatement fee after your suspension ends).
Provision of false insurance information can result in:
- Revocation of your car
- A mandatory suspension of driver’s license for 90 days
- Car Insurance Cancellations
- Possible maximum fine of $1,000
- Possible maximum 1 year of jail time within the first 60 days of your policy for any reason.
Your West Virginia car insurance company can cancel your insurance after this initial period of 60 days. Your insurance company may cancel your policy only for certain reasons:
- Obtaining insurance policy through fraudulent information
- Non-payment of premium
- Violation of any of the policy terms and conditions.
Further, your insurance policy may be canceled if any driver in the policy:
- Is found driving the insured car but with a suspended license
- Suffering from epilepsy or heart attacks and not been medically cleared to drive
- Been convicted of: Any assault involving a car, DUI, Negligent homicide involving driving a car, Vehicle theft.
Non-Renewal of Your Policy
At any expiration point of your policy, your car insurance provider can refuse to renew your car insurance policy. If you do not find a new car insurance carrier immediately, insurance non-renewals and cancellation can lead to a lapse of your West Virginia’s car insurance.
West Virginia Assigned Risk Plan
High-risk drivers, such as those with poor driving records might be refused to be covered by insurance companies. You might be required to apply for insurance through the West Virginia Assigned Risk Plan if you are having a difficult time finding car insurance. This guarantees all licensed drivers to have access to car insurance.
Other Car Insurance Issues
If you have a concern regarding car insurance, contact the OIC:
- Via phone number: (888) 879-9842 Or
- By mail: West Virginia Offices of the Insurance Commissioner Consumer Service Division P.O. Box 50540 Charleston, WV 25305
Consumer Advocate Assistance
The OIC Consumer Advocate may be able to provide you with legal assistance if the OIC cannot assist with a solution to your complaint. Visit the OIC Consumer Advocate website for more information.
Car Insurance Fraud
Costs for Insurance fraud are huge for insurance companies and get passed down to you through policy rate increases. Keep these rates low by reporting any suspected car insurance fraud to the OIC:
- Via Online at the OIC website.
- By mail: West Virginia Offices of the Insurance Commissioner Fraud Division P.O. Box 2901 Charleston, WV 25330
Common Forms of Car Insurance Fraud
- Exaggerating accident-related injuries
- Staging car accidents
- Falsifying vehicle repairs and damages.
Get more information on insurance fraud by contacting the Fraud Division at (800) 779-6853 or (304) 558-5241.
Determining Your WV Car Insurance Premium
Factors considered by WV insurance companies to determine your car insurance quote:
- Insurance claims history
- Credit history
- Daily miles driven
- Driving record
- Your: Age, Gender and Marital status
- Your car’s Make, Year and Model
- Where you live
WV Car Insurance Discounts
Most WV car insurance companies offer the following discounts:
- Good driver
- Good student
Most Stolen Cars in West Virginia
The following is a list of the most stolen cars in WV in 2013, as provided in www.nicb.org:
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Jeep Cherokee/Grand Cherokee
- Chevrolet Pickup (Small Size)
- Chevrolet Cavalier
- Ford Pickup (Small Size)
- GMC Pickup (Full Size)
- Ford Explorer
- Honda Accord
- Dodge Pickup (Full Size).