Frequently Asked Questions
How does where I live affect my premium?
Where your car is kept directly affects your chances of having an accident or becoming a victim of theft or vandalism. The likelihood of encountering these problems increases in larger, more densely populated cities, while such incidents remain relatively low in rural areas.
Additionally, regional insurance rates are affected by time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area (how many lawsuits are filed, go to trial, are settled out of court and for how much.)
Do all states require some kind of liability insurance?
No. While not all states require auto insurance, some have “financial responsibility laws” mandating all drivers must be able to pay for any damage or injury they may cause. However, liability insurance is still the best way for you to meet your state’s financial responsibility requirements.
Who is covered under an auto policy?
Your policy covers you, your spouse, other relatives who live in your household and others who have permission to drive one of your covered vehicles.
What is covered under the Liability coverage of my policy?
The Liability coverage in your auto policy pays damages which an insured becomes legally liable to pay because of bodily injury damage to others and property covered by an accident resulting from the ownership, maintenance or use of your car. West Virginia requires that you carry minimum liability limits of $20,000 bodily injury per person, $40,000 bodily injury per accident, and $10,000 property damage per accident.
In West Virginia, Uninsured Motorist coverage is also required. Uninsured Motorist coverage is designed to protect you from injuries or damages caused by a driver of an uninsured or underinsured motor vehicle.
Are there other, optional coverages available?
Once you’ve met the minimum legal liability requirements, we can help you select other types and amounts of coverage to tailor your policy to fit your needs. In addition to the mandatory liability and uninsured motorist coverages an auto policy may cover: