Basics of Motorcycle Insurance in West Virginia

Tim Miley
Injury Lawyer, Author, & Owner of The Miley Legal Group

In West Virginia, the compulsory insurance law also applies to motorcycles. If you are a resident who wishes to register a motorcycle in the state, then you must possess adequate motorcycle insurance. This protects you in the event you cause an accident that injuries another motorist, and covers you if you are in an accident with an uninsured or hit and run motorist.

West Virginia Requirements for Insurance for a Motorcycle

Any person in Clarksburg who wishes to ride a motorcycle on the state’s roads must register the motorcycle. S/he must also buy motorcycle insurance that has a liability policy.

The liability policy must include the following coverage.

  • $10,000 for property damage.
  • $20,000, for one accident, one injury or death.
  • and, $40,000 for one accident, multiple injuries or deaths.

Motorcyclists must also possess uninsured motorist coverage in the same amounts. This covers you if you are in an accident with a driver who has no insurance or who leaves the scene of the accident.

Failure to operate a motorcycle with adequate coverage could lead to a citation and fines.

How Motorcycle Insurance Works

After an accident, a motorist – whether operating a motorcyclist or a passenger vehicle – who is at fault for the accident is liable for others’ injuries. The at-fault motorist’s liability coverage will pay for damages. So if you are a motorcyclist and cause an accident that injures another driver, then your liability coverage will cover the driver’s damages.

If another driver caused your accident, then you can file a claim with that driver’s liability coverage. But if the other driver does not possess liability coverage – or fled the scene of the accident – then you can file a claim with your own uninsured motorist coverage.

How to Make a Motorcycle Insurance Claim after an Accident

After a motorcycle accident, report it to the police. This can be crucial evidence of fault. It can indicate which party is to blame for the accident, which can affect whose liability coverage is responsible for damages.

Also report the accident to your motorcycle insurance coverage regardless of who is to blame for the accident. Your insurance policy may require you report the accident even if you are not at fault. If you’re filing a liability claim with the other driver’s policy, then contact that driver’s insurance company as well even if he or she promises to do so.

Each insurance company may have different procedures for filing your claim. You may be able to file online or by submitting documents through other channels. If you require assistance filing your claim after a serious motorcycle accident, contact an attorney. Your lawyer can help you collect evidence of fault as well as the extent of damages you suffered to collect compensation for damages.

Get Help Filing a Motorcycle Insurance Claim: Call The Miley Legal Group

The other driver’s insurance company may try to assign fault to you in order to delay, deny or diminish the value of your claim. If you believe that the insurer is trying to assign blame to you in order to deny or delay your claim, speak with a motorcycle accident lawyer about your legal rights. Insurers cannot, in good faith, deny or delay payouts when the person has a legitimate and valid claim.

Call 304-931-4088 to talk to a lawyer at the Miley Legal Group in Clarksburg, or fill out the online contact form to set up an appointment with an attorney to review your case.