| There are basically two different ways of looking at | | | | of your vehicle if you are involved in an accident with |
| automobile insurance in West Virginia. | | | | another vehicle or if you strike a stationary object, |
| One way is to look at only the absolute minimum | | | | such as a lamppost or a tree. |
| insurance that the state requires you to purchase | | | | Comprehensive insurance pays for the repair or |
| before you can legally drive a vehicle on any West | | | | replacement of your vehicle if it is vandalized or stolen |
| Virginia roadway. | | | | or if it is damaged by natural causes such as a falling |
| The other way of looking at automobile insurance is in | | | | tree branch, hail, flood, etc. Your comprehensive |
| terms of buying full coverage protection that will repair | | | | insurance is also the insurance that pays for the repair |
| or replace your vehicle in the event of an accident and | | | | or replacement of your vehicle if you should hit an |
| coverage which will protect your home, your savings | | | | animal, such as a deer. |
| account and any other assets you have in the event | | | | The last form of insurance you will need to purchase in |
| of a catastrophic accident. | | | | West Virginia if you want to be fully covered is |
| So what should you look for in a full coverage | | | | personal injury protection insurance. This is the |
| automobile insurance quote in West Virginia? You'll | | | | insurance that will pay for your medical bills and for the |
| need to look at four different types of automobile | | | | medical bills of passengers in your vehicle if you should |
| insurance if you want to have full coverage in the | | | | be involved in an accident with another vehicle or with |
| state of West Virginia. | | | | a stationary object. |
| The first type of automobile insurance you'll need to | | | | There can be several reasons for purchasing full |
| buy is liability insurance. Liability insurance pays for | | | | coverage automobile insurance in West Virginia. If you |
| medical costs for anyone in the other vehicle who is | | | | finance a vehicle your lender will require that you |
| injured as a result of a collision with your vehicle. | | | | purchase full coverage insurance, but many people |
| Liability insurance will also pay for the repair or | | | | who own homes or have other assets that they could |
| replacement of the other person's vehicle. | | | | potentially lose in the event of an accident, choose to |
| Liability insurance alone will do nothing toward the | | | | purchase not only full coverage automobile insurance, |
| repair or replacement of your vehicle and may not | | | | but they may purchase large amounts of full coverage |
| cover medical claims by you or by persons in your | | | | insurance. |
| vehicle, particularly if you are found to be at fault in the | | | | The exact amounts of coverage that each individual |
| accident. | | | | needs are dictated by a number of factors: by a |
| In order to get your car repaired or replaced you will | | | | lender's demand, by the purchaser's current financial |
| need to purchase two additional forms of automobile | | | | situation, and by the assets that the purchaser is trying |
| insurance: collision and comprehensive. | | | | to protect. |
| Collision insurance pays for the repair or replacement | | | | |