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Learn About Top West Virginia Car Insurance Companies

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Get Useful Info About How To Compare and Rate WV Auto Insurance Agencies

Purchasing car insurance is essential to owning an automobile in West Virginia and doing some research by comparing insurance agencies is an important part of the car insurance shopping process. Too often there are complaints involving discrepancies between what West Virginia consumers thought they were buying and the actual coverage they received. Avoid the headache by learning a bit about your West Virginia automobile insurance company before you buy a car policy from it.

Know Your West Virginia Car Insurance Coverage Options

Understanding an insurance policy can seem daunting if you don’t understand what the types of auto insurance coverage options mean. Here are some basic explanations:

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Auto Liability Insurance

Washington state requires liability coverage. This covers bodily injury and damage to property that you cause to others while using your car.

Personal injury protection (also known as PIP)

This covers a limited amount of medical and hospital costs, income continuation, funeral expenses, and loss of services. Coverage limits are defined in the policy.


Uninsured/underinsured motorist bodily injury

This covers injuries an uninsured or underinsured driver causes to an insured person.


Uninsured/underinsured motorist property damage

This covers property damage an uninsured or underinsured driver causes to your insured vehicle.


Collision coverage

This covers damage to your car that is caused by a collision.


Comprehensive coverage (other than collision)

This covers damage to your car — except by collision. For example, this covers your car if a tree falls on it or someone vandalizes it.

GAP insurance

In the event your vehicle is a total loss, this pays the difference between the current market value of your auto and the amount you still owe the lender.

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