In West Virginia you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, and is compulsory in West Virginia.
West Virginia minimum liability limits; $20,000 per person for injuries you cause to the other parties, $40,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $20,000 (per person) and $40,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage. Non mandatory options (plan add ons) include medical payments (PIP), blanket umbrella, collision, and comprehensive coverage.
If you are convicted of DUI in West Virginia (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the West Virginia Automobile Insurance Plan (WVAIP). The West Virginia Automobile Insurance Plan was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle, at all times in the car, and at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in West Virginia are up to $750 fine and up to six months in jail.
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