Quick Answer: Does West Virginia require car insurance?

​West Virginia law requires all registered vehicles to be insured and proof of insurance be carried in your vehicle at all times.

Is car insurance required in WV?

West Virginia law requires all drivers in the state to carry car insurance. The state also requires you to carry proof of insurance, which must be shown to law enforcement officials at their request.

What auto insurance coverage is required in WV?

West Virginia Auto Insurance Requirements

Bodily injury liability: $25,000 per person and $50,000 per accident. Property damage liability: $25,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

Can you drive without car insurance in Virginia?

Although it is legal to drive without car insurance Virginia, doing so can have downsides. Every driver must either purchase insurance before registering or operating a motor vehicle or pay a special fee to drive uninsured.

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What states require car insurance?

Minimum car insurance limits in each state

State BI UIM BI
Alaska $50,000 per person/ $100,000 per accident None
Arizona $25,000 per person/ $50,000 per accident None
Arkansas $25,000 per person/ $50,000 per accident None
California $15,000 per person/ $30,000 per accident None

How much is a ticket for no insurance in WV?

Penalties for driving uninsured in West Virginia

Type of penalty First offense Second and subsequent offenses
Fine $200 – $5,000
License suspension 30 days 90 days
Registration suspension Suspended until proof of insurance submitted
Alternative penalty fee (In case proof is submitted before suspension effective date) $200 N/A

What is considered full coverage insurance in WV?

Full coverage insurance in West Virginia is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.

What are the minimum auto insurance requirements in Virginia?

It is illegal to drive a car in Virginia without at least the minimum amount of liability coverage required by law:

  • Bodily injury: $25,000 per person and $50,000 per accident.
  • Property damage: $20,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

Does WV require underinsured motorist coverage?

Underinsured Motorist Coverage: Drivers in West Virginia are not required to carry underins ured motorist coverage, which provides coverage in the event that the responsible party does not have sufficient liability coverage to fully compensate all injured parties.

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How do I get license plates in WV?

Residents of West Virginia can apply for a replacement online, or go into a WV DMV office and fill out the Application for Duplicate Registration, Decal, or Plate & Change of Address (Form DMV-32-TR). Individuals need to provide proof of auto insurance in order to receive a duplicate license plate.

What happens if you don’t have car insurance in Virginia?

Virginia requires all drivers to either carry a minimum amount of car insurance or pay a $500 uninsured motor vehicle fee. … The state of Virginia may convict you of a Class 3 misdemeanor, charge you a $500 fine, and take your driver’s license, vehicle registration and license plates.

What happens if you get in an accident without insurance in Virginia?

Virginia is one of only two states that doesn’t require car insurance. Instead of paying for insurance, the driver simply pays an uninsured motorist fee of $500. In exchange for this fee, motorists can legally drive without insurance. However, they are still liable for damages if they cause a car accident.

Can you drive a car without insurance?

You Shouldn’t Drive a Car without an Insurance Policy

If you drive a car without insurance, you risk a hefty penalty. Furthermore, if you participate in an accident, you might face substantial damage bills. That is why it’s just not worth the risk – it is better and safer to acquire an insurance policy.

Is insurance mandatory in USA?

Health insurance coverage is no longer mandatory at the federal level, as of Jan. 1, 2019. Some states still require you to have health insurance coverage to avoid a tax penalty.

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Why is it mandatory to have car insurance?

Buying insurance is similar to saving money to cover yourself financially in case of an accident. … The government has made it mandatory to buy car insurance because no person should suffer a financial loss from an accident. If they do, they should be compensated fairly.

Is car insurance mandatory in Florida?

Is car insurance in Florida required? Absolutely. In fact, having some level of car insurance is the law in every state except two (Virginia and New Hampshire). In Florida, you must carry proof of insurance with you whenever you drive and it must be current.