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