All drivers in West Virginia are required to have liability coverage in place. This type of coverage pays for injuries sustained by the occupants of another vehicle as the result of an accident. The driver’s insurance company will pay for medical bills and expenses the injured person incurs that are related to the accident.
The minimum level of bodily injury liability coverage required in this state is $20,000 for injuries suffered by a single injured person and $40,000 to pay for damages sustained by all victims of the same accident.
Along with the bodily injury liability coverage, residents of West Virginia must also have at least $10,000 in property damage liability insurance in place. This portion of the policy pays for the cost of repairing the other driver’s vehicle, as well as damage to objects like fences, light posts and mailboxes.
The state of West Virginia also requires drivers to buy uninsured motorist coverage. The reason this type of coverage is required is probably because Virginia, its neighboring state, does not require drivers to have liability coverage in place at all. Uninsured motorist coverage is meant to pay damages when the at-fault driver in an accident does not have insurance. It also pays out when the accident is a hit-and-run and the at-fault driver is unknown.