All West Virginia drivers need liability insurance, which can help pay for others' medical and property expenses if you're the at-fault driver in an accident.
You're also required to carry uninsured motorist coverage, both bodily injury and property damage, to protect your finances from drivers without insurance. However, you may reject uninsured motorist coverage in writing if you want to be excused from this requirement.
The state requires you to maintain coverages with at least the following limits:
- $20,000 in bodily injury liability coverage per person
- $40,000 in bodily injury liability coverage per incident
- $10,000 in property damage liability coverage per incident
The same minimum limits apply to uninsured motorist bodily injury coverage and uninsured motorist property damage coverage.
You'll commonly see these coverage limits listed as 20/40/10.
Optional coverages from Esurance
Besides the required coverages all West Virginians must carry, Esurance also offers these optional coverages:
- Medical payments coverage
- Collision coverage
- Comprehensive coverage
- Towing and labor coverage
- CarMatch Rental Coverage®
- Custom parts and equipment coverage
- Loan/lease gap coverage
With collision and comprehensive, you'll be able to choose a deductible to pay out of pocket before your coverage will kick into action.
And we like to give you even more opportunity to choose coverage options that work for you and your life. Esurance's CoverageMyWay™ prioritizes coverage options based on the information you provide to help you choose what's right for you. All you have to do is start your personalized quote to let our intuitive technology go to work for you.