There are basically two different ways of looking at automobile insurance in West Virginia.
One way is to look at only the absolute minimum insurance that the state requires you to purchase before you can legally drive a vehicle on any West Virginia roadway.
The other way of looking at automobile insurance is in terms of buying full coverage protection that will repair or replace your vehicle in the event of an accident and coverage which will protect your home, your savings account and any other assets you have in the event of a catastrophic accident.
So what should you look for in a full coverage automobile insurance quote in West Virginia? You ll need to look at four different types of automobile insurance if you want to have full coverage in the state of West Virginia.
The first type of automobile insurance you ll need to buy is liability insurance. Liability insurance pays for medical costs for anyone in the other vehicle who is injured as a result of a collision with your vehicle. Liability insurance will also pay for the repair or replacement of the other person s vehicle.
Liability insurance alone will do nothing toward the repair or replacement of your vehicle and may not cover medical claims by you or by persons in your vehicle, particularly if you are found to be at fault in the accident.
In order to get your car repaired or replaced you will need to purchase two additional forms of automobile insurance: collision and comprehensive.
Collision insurance pays for the repair or replacement of your vehicle if you are involved in an accident with another vehicle or if you strike a stationary object, such as a lamppost or a tree.
Comprehensive insurance pays for the repair or replacement of your vehicle if it is vandalized or stolen or if it is damaged by natural causes such as a falling tree branch, hail, flood, etc. Your comprehensive insurance is also the insurance that pays for the repair or replacement of your vehicle if you should hit an animal, such as a deer.
The last form of insurance you will need to purchase in West Virginia if you want to be fully covered is personal injury protection insurance. This is the insurance that will pay for your medical bills and for the medical bills of passengers in your vehicle if you should be involved in an accident with another vehicle or with a stationary object.
There can be several reasons for purchasing full coverage automobile insurance in West Virginia. If you finance a vehicle your lender will require that you purchase full coverage insurance, but many people who own homes or have other assets that they could potentially lose in the event of an accident, choose to purchase not only full coverage automobile insurance, but they may purchase large amounts of full coverage insurance.
The exact amounts of coverage that each individual needs are dictated by a number of factors: by a lender s demand, by the purchaser s current financial situation, and by the assets that the purchaser is trying to protect.
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