If you are a driver in West Virginia, you will want to obtain the correct auto insurance policy to protect you, your vehicle, and even your freedom. The state requires you to have at least a liability insurance policy that will cover any injuries or property damage that you can cause if you are involved in an accident. If you are pulled over, you must show proof of your auto insurance policy or you can be fined at least $200, can lose your driver’s license for a period of time, and could even end up serving time in jail. To avoid all of this, you can obtain a liability auto insurance policy through a trusted auto insurance agent. The agents at the Smith Insurance Agency of West Virginia, located in Kingwood, WV, are ready to assist you. You can further protect yourself and your vehicle through other auto coverage options also.
Comprehensive Auto Insurance
A comprehensive auto insurance policy will cover your vehicle if it becomes damaged due to a natural disaster, such as a tornado or hail storm, or even a fire or vandalism.
This type of insurance will cover your vehicle and the vehicles of others that you may become involved in an accident with, along with objects. For example, if you back into someone’s lawnmower and destroy it, your collision auto insurance policy will cover the other person’s lawnmower.
Underinsured and Uninsured Auto Insurance
Even though West Virginia law requires every driver to have auto insurance, sometimes people cannot afford a policy or simply do not bother to obtain one. If they cause an accident that you are involved with, law enforcement will take care of the legal side of things but who will pay for the damages to your vehicle or injuries to you or your passengers? That is what underinsured and uninsured insurance is for, to protect you and your vehicle.
Contact the auto insurance agents at the Smith Insurance Agency of West Virginia in Kingwood, WV to obtain a quote and start your policy today!