Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
If you don’t have bodily injury coverage in West Virginia, you are at risk of being held personally responsible for other people’s medical expenses if you cause a car accident. In West Virginia, you are required to have at least $25,000 in bodily injury liability insurance per person and $50,000 per accident.
Bodily injury coverage is one component of liability car insurance, along with property damage liability insurance. Bodily injury liability insurance generally pays for others’ medical expenses, up to your policy limits, after an accident you were at fault for. It can also cover others’ lost income or funeral costs.
Consequences If You Don’t Have Bodily Injury Coverage in West Virginia
- You face the penalties for driving without insurance. The penalties for driving without insurance in West Virginia can include things like hefty fines, license and registration suspension or revocation, and even jail time.
- You’ll have higher premiums later. In West Virginia, even a single conviction for driving without insurance raises annual premiums.
- You could be sued. The people involved in the accident and their insurance companies can sue you for medical expenses if you were at fault.
Driving without your state’s minimum liability coverage is a serious offense, one that can have huge financial consequences. To avoid facing those consequences, make sure your insurance policy satisfies West Virginia’s minimum coverage requirements.
To learn more, check out WalletHub’s guide to bodily injury liability insurance.
People also ask
How much car insurance do I need in West Virginia?
Drivers in West Virginia need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. West Virginia also requires uninsured motorist protection. UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in West Virginia:
| Coverage Type | Minimum Coverage Limit |
| ... | $25,000 |
What is the penalty for driving without insurance in West Virginia?
The penalties for driving without insurance in West Virginia include fines, suspension of license and registration, and imprisonment. You can avoid these consequences by meeting West Virginia’s proof of financial responsibility requirements. West Virginia requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $25,000 in liability coverage for property damage, as well as uninsured/underinsured motorist coverage.
Purchasing West Virginia’s minimum liability car insurance...
read full answerHow much bodily injury coverage do I need in West Virginia?
You need $25,000 in bodily injury coverage per person ($50,000 per accident). Bodily injury liability insurance pays for other people’s injuries after a car accident that you cause, and it can also cover your legal fees if you are sued after a crash.
In addition to bodily injury liability insurance, drivers in West Virginia need to purchase $25,000 in property damage liability insurance. Property damage liability coverage pays for damage to others’ property after an accident caused by the...
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