If you’re a West Virginia driver, you must buy auto insurance. If you are near Kingwood, WV, we invite you to visit us to explore your auto insurance options. Our team at Smith Insurance Agency of West Virginia will help you with the coverage you need. We’ve been working with West Virginia drivers like you since 2013. 

I Don’t Have a Car. Do I Still Need Auto Insurance? 

Most people know they should not drive without auto insurance.  However, you may not be aware that people who don’t own a car should have auto insurance – just in case they borrow or rent a car. According to Kelly Blue Book, this type of auto insurance is called non-owner auto insurance. The same website reports that non-owner insurance provides liability coverage if you are driving and you cause an auto accident. 

According to Kelly Blue Book, if you are certain you will never drive, you don’t need to buy auto insurance. You may be interested to learn that if you only borrow a car occasionally, and the borrowed car owner has adequate auto insurance, you may not need to get auto insurance. However, if there is a chance you might borrow or rent a car, you are better off getting non-owner auto insurance. Talk with one of our experienced insurance agents to learn more about the advantages of non-owner auto insurance. 

Give Us a Call Today for Your Appointment 

You should always have proof of insurance in your car, or available digitally. Our team at Smith Insurance Agency of West Virginia evolved from a partnership between two brothers. Drivers near Kingwood, WV are ready to answer all your insurance questions. Call us today for your appointment, and let us help you get an auto insurance policy that works for you.