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Mandatory Compulsory Insurance Requirements

Liability:
Property damage: $10,000
Bodily injury: $20,000/$40,000

Uninsured Motorist:
Property damage: $10,000
Bodily injury: $20,000/$40,000

For further information about compulsory insurance, please contact the West Virginia Department of Motor Vehicles, 1800 Kanawha Boulevard East, Building 3, Charleston, WV 25305, 304-558-3900 or 800-642-9066.

While the limits listed above are mandatory minimum requirements, our laws require that all insurers offer higher optional limits of uninsured motorist coverage and provide the option to purchase underinsured motorist coverage which are as follows:

MANDATORY OPTIONAL OFFERING OF COVERAGE

Uninsured Motorist (maximum):
Property damage: $50,000
Bodily injury: $100,000/$300,000

Underinsured Motorist (minimum):
Property damage: $10,000
Bodily injury: $ 20,000/$ 40,000

Increased underinsured motorist coverage may be purchased up to the limits of liability coverage carried on the policy.

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