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Auto Insurance in West Virginia

The state of West Virginia has strict auto insurance laws. It is important for you to know these laws as there are heavy penalties for not having the proper coverage. Visit your local Smith Insurance Agency of West Virginia in Kingwood, WV to ensure you have the proper auto insurance coverage.

You should be aware that in West Virginia is that is a state law that you must have liability and uninsured motorist coverage. Liability insurance will help cover the costs of injuries and damage to property that you may cause in an accident. There are mandatory minimums for the liability insurance that you carry.

Uninsured Motorist Coverage helps cover the costs of injuries and property damage to you resulting from an accident with someone that does not have auto insurance. There are also mandatory minimums for uninsured motorist coverage. Those minimums are equal to the liability minimums. West Virginia does have a required maximum amount of Uninsured Motorist Coverage. This means that insurance companies are required to offer you up to this maximum limit for Uninsured Motorist Coverage.

In addition to the mandatory coverages you must have, there are optional coverages you can add to your auto insurance. Some of these options include towing, collision and medical payments, just to name a few. Smith Insurance Agency of West Virginia would love to meet with you to discuss all of the options available to you. It is important to note that while West Virginia does not require you to have additional coverage, an existing loan or lease on your vehicle may require additional coverage.

You also must carry proof of insurance inside your car at all times. Your insurance company should issue you a Certificate of Insurance, which will be proof of coverage.

Be sure to visit local Smith Insurance Agency of West Virginia in Kingwood, WV to ensure you have proper coverage today.