Under the West Virginia Compulsory Insurance Law, before you can register your vehicle, you will have to sign a statement saying that the vehicle you are registering currently has car insurance for West Virginia. Under state law, you are required to have your proof of car insurance with you whenever you are driving. You are also required to show the proof of car insurance when asked by law enforcement after an accident, a moving violation or random check. West Virginia also does random checks of car insurance to ensure that vehicle owners comply with the Compulsory Insurance Law.

In West Virginia, the minimum liability insurance coverage is $10,000 for property damages per accident, $20,000 for one injury or death per accident and $40,000 for two injuries or deaths per accident. In case you got involved in an accident where the guilty driver does not have insurance, you can file charges at the civil court. After giving judgment to your favor, you can then submit a copy of it to the Division of Motor Vehicles. The DMV will then suspend the license of the uninsured driver until he pays the expenses you incurred from the accident in full.

In West Virginia, if you are going to cancel your car insurance or if you will not be using your vehicle for certain period of time, you are required to submit to the DMV the Owner’s Notice of Cancellation form (WV-4C). Here you will state your reasons for cancellation. Now if you have a vehicle which you use only during certain season or time, you are required to have car insurance for that vehicle during the time of use. You can file the Seasonal Statement of Insurance form (WV-4B) when you will not use the vehicle.

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