Proof of insurance
West Virginians are required to keep proof of coverage (in the form of a WV-1 certificate of insurance) in the car at all times.
Failure to show your proof of insurance can lead to a 30-day suspension of your drivers license plus a deactivated vehicle registration.
The state also reserves the right to request proof of insurance through the mail at any time.
Car accidents and uninsured drivers in West Virginia
West Virginia is a tort state. This means that in the event of a car accident, the at-fault driver and that driver's insurance company are financially liable for the not-at-fault driver's expenses.
Accidents with uninsured motorists
If you're struck by a driver who lacks coverage, you're allowed to seek compensation in court.
Once the court makes a ruling, you can submit that report to the DMV. The uninsured motorist may then be suspended from driving until the settlement is paid.
Uninsured drivers in West Virginia
A 2011 report from the Insurance Research Council (IRC) estimated that 11 percent of West Virginians were uninsured in 2009. That was about 3 percent lower than the national average, but it still means more than 1 in 10 drivers had no liability coverage.
Uninsured motorist coverage helps pay for medical and repair costs if you're involved in an accident with an at-fault driver who doesn't have liability insurance.