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West Virginia Auto Insurance Laws West Virginia auto insurance law requires mandatory liability insurance of 20/40/10. That's $20,000 for bodily injury per persons per accident, $40,000 bodily injury for all persons, and $10,000 for property damage caused to the other party's property. West Virginia also requires Uninsured Motorist coverage of 20/40/10. While state only require a minimum coverage, insurers offer higher optional limits of uninsured motorist coverage and provide the option to purchase underinsured motorist coverage. The insurance industry recommends that you purchase higher levels of liability and uninsured motor overages.
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