West Virginia Uninsured or Underinsured Motorists Coverage
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How to fill out West Virginia Uninsured Or Underinsured Motorists Coverage?
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FAQ
Twenty two jurisdictions require uninsured motorist coverage (UM): Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia
Uninsured and underinsured motorist coverages are policy add-ons that you can choose when you purchase insurance. If you've included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with an uninsured driver.
Virginia underinsured motorist coverage, abbreviated "UIM," protects people against negligent drivers who do not have enough auto insurance. If you have more auto insurance than the person who hit you -- you have underinsured motorist coverage. Underinsured motorist coverage is required by Virginia law.
In West Virginia, drivers are required to carry $25,000 per person/$50,000 per accident in Uninsured Motorist Coverage (UM coverage). Underinsured Motorist Coverage (UIM Coverage) is not required, but rather, is an optional coverage that you may elect to carry, or reject.
Even though California does not require uninsured and underinsured motorist coverage, you should still consider buying it. In California, an average of 15% of drivers on the road don't have car insurance, which means there is a 1 in 7 chance that the other driver won't have coverage if you get into an accident.
Unstacked insurance means that your UM and UIM coverage limits for multiple vehicles are not combined. Premiums for unstacked insurance may be lower than premiums for stacked coverage. That's because stacking coverage increases the overall limit, or the amount that your insurer might have to pay toward a covered claim.
It is illegal to drive a car in Virginia without at least the minimum amount of liability coverage required by law: Bodily injury: $25,000 per person and $50,000 per accident. Property damage: $20,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.
However, if you purchase insurance, uninsured motorist bodily injury coverage is required and includes underinsured motorist bodily injury coverage as well.If you purchase insurance, you must have uninsured motorist (which includes both property damage and bodily injury) and underinsured motorist coverage.