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West Virginia drivers: are you carrying enough insurance?

In our last post, we spoke a bit about West Virginia’s tort liability system and generally how it differs from no-fault systems in which insurance companies provide coverage regardless of who is at fault. In no-fault states, the basic idea is that drivers must insure themselves against injuries and damages from car crashes, which sets up insurance companies as the primary resource for recovery.

Even though motorists in West Virginia have fewer restrictions to filing personal injury lawsuits to recover damages from car accident, it is still smart for motorists to purchase solid insurance policies. Like other fault-based states, West Virginia requires motorists to obtain a minimal amount of insurance coverage. This coverage includes: $10,000 for property damage as well as $20,000 for bodily injury per person, $40,000 per accident, as well as $10,000 in property damage and $20,000 per person, $40,000 per accident in uninsured motorist coverage. 

Insurers are also required to offer motorists optional coverage in the following amounts: up to $50,000 for property damage and up to $100,000 for bodily injury per person, $300,000 per accident in uninsured motorist coverage; as well as a minimum of $10,000 in property damage and $20,000 per accident, $40,000 per accident in under-insured motorist coverage.

Adequate insurance coverage can help reduce or eliminate the need to pursue personal injury litigation after a serious car accident. As readers know, though, insurance companies can sometimes be difficult to deal with after an accident. Injured motorists who are run into problems with their insurance company should work with an experienced attorney to ensure they receive the coverage due to them under their policy.

Sources: dmv.org, “Car Insurance in West Virginia,” Nov. 25, 2014.

www.wvinsurance.gov, “Mandatory Compulsory Insurance Requirements,” Accessed Nov. 25, 2014.

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