How Much Car Insurance Do I Need?
Choosing the right amount of car insurance can feel overwhelming. This guide helps West Virginia drivers understand coverage options and how to pick the right limits for their situation.
West Virginia Minimum Requirements
West Virginia law requires all drivers to carry at least 25/50/25 liability coverage — that's $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. You also need uninsured motorist coverage at the same limits. These minimums protect others if you cause an accident, but they may not fully protect you.
When Should You Carry More Than the Minimum?
If you own a home, have savings, or carry a car loan, you should carry more than the state minimum. A single serious accident can exceed $25,000 quickly. Most insurance professionals recommend at least 100/300/100 liability limits for adequate protection. If you have significant assets, an umbrella policy may also be worth considering.
Do You Need Comprehensive and Collision?
If your car is financed or leased, your lender will require comprehensive and collision coverage. If you own your car outright, it depends on the car's value. A general rule: if your annual premium for comp and collision exceeds 10% of your car's value, it may not be worth carrying. AG Insurance can help you run the numbers.
Uninsured Motorist Coverage in WV
West Virginia has a significant number of uninsured drivers on the road. Uninsured motorist coverage protects you if you're hit by a driver with no insurance. It's required in WV and is one of the most important coverages to carry.
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