4 Types of West Virginia Auto Insurance Every Driver Should Know About

If you live in West Virginia, you may be surprised to find that there are 4 different types of West Virginia auto insurance. Every driver should be aware of the types, how they differentiate and what is best for you.

To preserve your legal rights after an accident in Clarksburg, you can benefit by having a Clarksburg, West Virginia, car accident lawyer review your policy and help you take steps toward seeking compensation. Here are the 4 types of West Virginia auto insurance:

GAP Insurance

GAP insurance is a type of insurance that will provide protection for an individual who does not own a car but has a loan or a lease instead
. It is a policy that will pay the difference between the cash value of a vehicle and the remaining balance on your lease contract.

This type of insurance will protect you and your lease. In the event of an accident in Clarksburg with your leased vehicle, this insurance will fill the difference (the "gap") between your deductible and the amount you still owe.

Medical Payments Coverage

Medical payments coverage will come into play in the event of a serious accident in Clarksburg in which extreme injuries or fatalities were sustained. This insurance will cover the medical bills and funeral costs for the driver of the insured vehicle, regardless of which party was negligent.

This policy also may cover the policyholder's family. It is important to note that if you or your family is already currently covered by a full health plan, then a medical payments coverage policy is not necessary. Consult your current health plan provider to see your complete coverage details.

Bodily Injury Liability

This type of West Virginia auto insurance also applies to individuals or parties who have been in a serious accident. This policy will provide legal defense for the policyholder if the opposing party in the accident files a lawsuit against you. Under this policy, claims relating to bodily injury including medical expenses, lost wages, pain/suffering, etc. may be made.

This coverage will pay the difference between the other driver's insurance and your bodily injury coverage. This is a good option for individuals who do not have health insurance.

Uninsured Motorists Coverage

It is not uncommon for drivers to be uninsured or underinsured, nor is it uncommon for accidents to involve these drivers. If you purchase this coverage as a part of your policy, it will cover you and your family. This policy will come into play anytime you are involved in an accident in Clarksburg with an uninsured driver. 

Regardless of your circumstances or which policy fits your needs, it is a good idea to consult with a Clarksburg, West Virginia car accident lawyer to discuss your options.

Contacting a Clarksburg, West Virginia, Car Accident Lawyer

Unfortunately, car accidents are a regular occurrence on West Virginia roadways such as I-79, I-77, Route 50, Route 33, and I-68. In fact, our state averages over 40,000 car crashes, over 400 deaths, and over 11,000 serious injuries each year. If you or a loved one has been seriously injured in a West Virginia car accident, order a FREE copy of our consumer guide, The 7 Biggest Mistakes that Can Wreck Your West Virginia Car Accident Claim then contact the Clarksburg personal injury attorneys at The Miley Legal Group for a FREE consultation - 304-326-1800.