West Virginia Auto Insurance
West Virginia ranked 19th most expensive state in the nation for average annual expenditure on auto premiums in 2006. Then and now, West Virginia citizens have been paying premiums that are higher than the national average. That's no reason to shirk your legal duty, however, as the penalties for driving without insurance are high.
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West Virginia auto insurance tort law
West Virginia auto insurance companies follow the tort law, which means that one driver must be found liable should an accident occur. If you are found to be at fault, you and your insurer will be responsible for the damage costs in their entirety, so even purchasing the barest minimum for car insurance may be insufficient. After meeting the minimum state requirements, you may consider purchasing additional coverage.
Penalties for auto insurance non-compliance
When renewing your car registration, you will have to sign a declaration stating that you possess the required West Virginia liability auto insurance. So what happens if you don't have adequate insurance – or any at all?
- Non-compliance or not having enough insurance will result in suspension of your driving privileges for 90 days.
- A $100 fee to reinstate your license.
- If a state-police secure order has been sent on your plate, you will have to pay an additional $50 penalty.
Find the insurance coverage you need and for a price you can afford. Find out if you could be saving on premiums and request a quote today!