Which type of insurance is legally required for drivers in West Virginia?

Prepare for the West Virginia Insurance Test with engaging questions and expert explanations. Explore detailed concepts and strengthen your comprehension. Get exam-ready today!

In West Virginia, liability insurance is a legal requirement for drivers. This type of insurance is designed to cover damages and injuries that the policyholder may cause to other people or their property while operating their vehicle. By mandating liability insurance, the state ensures that drivers have a financial safety net to compensate others in the event of an accident. This protects both the public and the driver, as it helps to facilitate payments for damages and medical expenses resulting from an accident.

Comprehensive and collision insurance, while beneficial for a driver’s own vehicle, are not required by law. Comprehensive insurance covers losses due to non-collision events, like theft or natural disasters, whereas collision insurance covers damages to the driver's own vehicle from accidents with other vehicles or objects. Personal injury protection is an optional coverage that helps with medical expenses and lost wages for the policyholder and their passengers, but it is not mandated in West Virginia.

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