For the state of West Virginia, it is mandatory for all vehicle owners to have the right auto liability insurance policy. This type of financial responsibility can only pay for the other parties involved in the accident only when the insured is held responsible. Basic nature of mandatory coverage is to help you pay for any damage and injuries you may cause onto others. The positive side of this is that if you have enough coverage, none of your assets will be at risk, in the event of any financial issues derived from the accident.
Minimum liability insurance required by this state is of:

• $20,000 per person to pay for bodily injuries in an accident,
• $40,000 per accident to pay for bodily injures and,
• $10,000 to pay for damage caused to property as a result of the accident.

However there are other types of coverage that will take care of the insured expenses and will be addressed below.
When you intend to register or renew your registration, DMV will request to have proof of the ownership of mandatory liability coverage. Law enforcement officers can also request to view proof of car insurance ownership when they pull you over or if you are involved in an accident. This is why it is necessary for all drivers to carry with them at all times proof of insurance. Car insurance companies will provide the insured with an Insurance ID Card.

If you fail to prove you own the appropriate insurance, you can have your registration suspended, and will be required to pay for a re-installment fee as well as to purchase insurance.

In addition to mandatory coverage in the state, insurance companies may also offer you complementary types of auto insurance coverage, among the most common you may find, Underinsured / Uninsured motorist, Collision and Comprehensive. All of them are intended to help you and pay for your expenses, since your liability coverage will take care for expenses caused to others.

Uninsured and underinsured motorist coverage will provide you financial aid when, while not being held responsible for an accident, you are involved in it, and the driver that caused it is either under or not insured at all. It will pay for injuries, not for damage caused to your vehicle. Also it can be claimed when the accident is what commonly people refer to as a "Hit and run".

So far you've taken care of expenses caused to others and your injuries, but what about your vehicle? This is where comprehensive and collision coverage will provide you for what you need to fix physical damage your car may have suffered. Comprehensive coverage will take care of those accidents that not necessarily involve another moving vehicle or may be caused by an unanimated object, like a branch falling off a tree. This type of insurance coverage comes handy in states where weather may be consider intense and it can cause things like floods, fires or high winds.

Collision coverage, on the other hand, will pay for reparations your vehicle may need after it has suffered an accident with either another vehicle or a non moving vehicle, such as walls, light poles, fences, etc.

Note that Collision and Comprehensive coverages will not pay for any medical expenses.