West Virginia state law requires minimum coverage of:
- $20,000 for bodily injury or death to one person.
- $40,000 total per accident for bodily injury or death.
- $10,000 for damage to property.
The Division of Motor Vehicles monitors motorist compliance with West Virginia's compulsory automobile insurance law in several ways. Vehicle registrants are required to complete an owner's statement of insurance when a vehicle is registered. Through random sample verification procedures, motorists are asked to provide current proof of insurance, and insurance companies are asked to confirm owners' statements of insurance. Accident reports submitted by investigating law enforcement officers are checked for insurance information. Court reports of citations for failure to have insurance are also used. Penalties for driving without insurance include both license and registration suspension.
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