We understand that navigating the world of car insurance can be daunting. That's why we're here to simplify the process and empower you with the knowledge you need to make informed decisions.

According to the National Highway Traffic Administration, 5.25 million driving accidents take place per year. To properly protect yourself from the always present danger of an auto accident and the bodily and liability damages that typically follow, it is imperative you maintain proper levels of coverage for your particular situation.

If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available from the nation’s leading auto carriers, and we will be happy to help pinpoint the coverages best suited to your needs.

Available Auto Policy Coverages include:

Bodily Injury to Others
Bodily Injury Caused by Uninsured Auto
Damage to Someone Else's Property
Medical Payments
Collision
Comprehensive
Substitute Transportation
Towing and Labor
Bodily Injury Caused by an Underinsured Auto

Customize your car insurance coverage

A few of our available options:

Bodily Injury Liability

Liability coverage pays for property damage and injuries you cause to others while driving. Often, this coverage pays for medical costs, excluding the policy holder and driver. It also covers court and attorney costs. The minimum limit in West Virginia is $25,000 per person and $50,000 per accident.

Bodily Injury Caused by Uninsured/Underinsured Motorists

Uninsured and underinsured motorist coverages pay for bodily injury expenses from an accident by an at-fault, uninsured or underinsured motorist. The coverages apply to the policy holder and other passengers involved in the accident. It does not pay for property damage. The minimum amount to cover bodily injury by uninsured motorists in West Virginia is $25,000 per person and $50,000 per accident.

Collision

Collision covers the cost to repair your vehicle, regardless of fault, if damaged in an accident. To qualify for a vehicle loan, many financial institutions require this coverage. If you would rather pay less out of pocket, you may opt for a lower deductible amount. Higher collision deductibles usually mean lower monthly premiums.

Comprehensive

If your vehicle is damaged by fire, vandalism, striking an animal or acts of nature, comprehensive physical damage pays for repairs. Comprehensive coverage also protects against theft of your vehicle. Like collision coverage, most financial institutions require this coverage to qualify for a car loan. Deductible amounts vary and include zero deductible options for glass-only claims.

Damage to Someone Else’s Property

This coverage pays out if an accident results in damage to another vehicle or someone else's property. It covers vehicle repairs including labor and replacement parts. This coverage also pays for damage or destruction to other businesses, houses, fences, lampposts, mailboxes, and more.

Property Damage Liability

Property damage liability covers property damaged in an at-fault accident. In West Virginia, the minimum limit is $25,000.

Rental Reimbursement

Rental Reimbursement is an often-preferred coverage option. While your vehicle is being repaired or replaced, it pays for the cost of a rental vehicle. Most of the time, you have a daily limit with rental reimbursement that cannot exceed a certain number of days.

Towing and Labor

Towing and labor is another insurance add-on, like rental reimbursement. This coverage pays for some or all of the cost of towing your vehicle to a mechanic. It also pays for the labor charges incurred at the breakdown location.

Car Insurance