Unbiased Motorcycle Insurance Company Reviews

Comparing Motorcycle insurance quotes from top companies online is a great way to find the cheapest insurance rates. After all, why ride all around town when you can get Motorcycle insurance quotes online? The more quotes you get, the more chances you have to save and ride. Get started now!

Enter Your Zip Code
To Get Your Free Quote Now!

West Virginia Motorcycle Insurance Requirements

West Virginia Motorcycle Insurance Requirements

West Virginia is located in the Southern portion of the United States in an area known as the “Appalachian region.” In regards to size it is among the top ten smallest states in the U.S. and in terms of population, it is below average. West Virginia became a state when various landowners in Virginia decided to separate themselves from Virginia during the Civil War. It was the only state in the entire nation that formed by breaking off from the Confederate states. Although it is categorized as a “southern state,” some consider it part of the Mid-Atlantic and Upland regions.

Geographically, this location is widely recognized for its mountains and is nicknamed the “Mountain State.” From a historical perspective, logging and coal mining played a major role in the state’s economic development. Many people know this state for its variety of outdoor recreation including: fishing, skiing, hiking, mountain biking, rafting, and hunting. Important contributors to the current economy in this state are the industries of tourism, natural resources (coal and logging), and green energy (via wind power).

West Virginia Motorcycle Insurance

Are you going to drive a motorcycle in the state of West Virginia? If you are a resident of the state and would like to operate any motor vehicle, you must follow their requirements. The first major requirement is that all drivers establish financial responsibility before driving. This means that you must acquire some sort of financial backing to help pay for any potential damages that you may cause in an accident. Legislation has made it mandatory for all drivers to establish responsibility as a means to help keep the roads safer and fair.

How to Establish Financial Responsibility in WV

When it comes time to establish financial responsibility, you only have one option: purchase insurance coverage. The policy that you purchase must meet the state’s minimum requirements for liability coverage as well as uninsured motorist protection.

  • Insurance Policy: Buy an insurance policy from a state-licensed insurer to establish responsibility as a driver. Most insurers will help you make sure that the policy is in compliance with state-issued minimums.

Note: Getting insurance is your only option in the state of West Virginia. In other states, you may have more options to establish responsibility and insurance alternatives such as bonds and cash deposits. There are no acceptable alternatives in this location.

Motorcycles / Two-Wheeled Vehicles Defined

Are you familiar with the subtle differences between motorcycles, mopeds, and other two-wheeled vehicles? If you are, you may not need to read the definitions below. However, you should know that definitions for motorcycles and other vehicles vary from state to state. What may be defined as a motorcycle in one state, may not qualify in another.

Motorcycle: Every motor vehicle, including motor-driven cycles and mopeds, that has a saddle for the use of the driver and is designed to travel on not more than three wheels in contact with the ground. Definition does not include tractors.

Motor-Driven Cycle: Every motorcycle that has a piston displacement exceeding 50 cc, but not exceeding 150 cc or 5-brake horsepower.

Moped: Every motorcycle or motor-driven cycle which is equipped with 2 or 3 wheels, foot pedals for muscular propulsion, and an independent power source that does not exceed 2-brake horsepower. If a combustion engine is used, it must not exceed 50 cc piston displacement. The vehicle should not exceed 30 mph on a level surface and power drive system should function automatically.

Note: If you need further assistance with the classification of your vehicle, you can contact the West Virginia Division of Motor Vehicles (DMV) at the following number: (304)-558-3900. An expert will help you better understand how to categorize your 2-wheeled vehicle.

West Virginia Motorcycle Insurance Requirements

Any driver that operates a motorcycle on public roads must meet the necessary insurance requirements. If you are shopping for a policy to cover your motorcycle, keep the coverage amounts below in mind. Understand that these are the minimal amounts necessary in order to legally drive. Also keep in mind that you may want to purchase more than the bare minimum for better protection.

Minimum Liability Insurance:

  • $20,000 bodily injury per person

  • $40,000 bodily injury per accident

  • $10,000 property damage per accident

Uninsured Motorist Coverage:

  • $20,000 per person (bodily injury)

  • $40,000 per accident (bodily injury)

  • $10,000 per accident (property damage)

As you can see, you will need to meet requirements for both liability and uninsured motorist coverage. Liability insurance is what will be used towards paying for damages if you are “at fault” for an accident. Uninsured motorist coverage is what helps keep you covered if an uninsured driver hits you and is unable to pay for their damages.

West Virginia Motorcycle Laws: Safety & Licensing Requirements

Each state has specific safety requirements that all motorcyclists must follow. Do you know whether you need to wear a helmet? How about eye protection? Do you have a valid motorcycle license? These are some questions that should be answered before you drive your vehicle on state roads.

  • Helmets: All motorcyclists are required to wear helmets. They must be in compliance Snell, ANSI, or DOT standards.
  • Eye Protection: Motorcyclists are also required to use eye protection.
  • Headlights: You are required to use headlights during the daytime while operating your motorcycle. This is to maximize driver visibility and safety.
  • License: All individuals must obtain a Motorcycle Endorsement on their driver’s license or a Class F license before operating a motorcycle on public roads. A knowledge and on-cycle skills test must be successfully passed before an endorsement or license can be issued. If you have already completed a state-approved Motorcycle Rider Course, you may be able to skip certain aspects of the testing.

Proof of Insurance in WV

The DMV of West Virginia has implemented an Electronic Insurance Verification Program (WVOLV) that is designed on real-time online verification of motorcycle insurance. When you register your vehicle, it allows the DMV to instantly verify your insurance. Police officers also use the WVOLV system at sites of accidents and during routine traffic stops. All registered vehicles must be enrolled in this electronic insurance-verification system. Your insurance provider will send the necessary electronic information to the DMV.

In addition to electronic verification, all motorcyclists are required to have proof of coverage while driving. In fact, this state requires that you have proof of insurance before you register your motorcycle. There are a couple of instances in which you will be required to show proof of your coverage – getting pulled over by a police officer and/or getting involved in an accident.

  • Insurance Identification Card: When you purchase an insurance policy, your provider will issue you an identification card. This contains important information regarding coverage, provider, contact numbers, your vehicle, and identity. Keep this with you at all times while operating a motor vehicle.

Note: If you are pulled over an aren’t able to provide proof of insurance, you could face penalization if you do not have any coverage. The DMV may also randomly select you by sending a letter in the mail requesting proof. You must be able to show them your coverage.

Penalties for Driving Without Insurance in WV

Nearly every state penalizes individuals that are caught driving without insurance. If you are pulled over and asked for proof, but don’t have any, you will find yourself in legal trouble. If the DMV sends you a letter requesting proof and you are unable to prove you are insured, you will face other consequences. Perhaps the worst case scenario is if you are in an accident and are uninsured – this comes with the most severe penalties.

  • Suspended License: If you are caught without insurance, your driver’s license will be suspended for a designated period of time.
  • Suspended Registration: The registration of your motorcycle will be suspended and nobody will be able to operate the vehicle during its suspension period.
  • Reinstatement Fees: It will cost $50 to get your driver’s license reinstated once the suspension period has been served. It will cost an additional $100 to get your registration reinstated, and may cost a $50 extra if your license plates were revoked.

Note: Various penalties can be avoided by always carrying proof of a current insurance policy.

West Virginia Motorcycle Insurance Companies

There are many different insurance companies that want your business in the state of West Virginia. As a consumer, the smartest thing you can do to find a great motorcycle insurance policy is to comparison shop. Take a look at various aspects of companies including: coverage, cost, reputation, and unbiased reviews. In order to make accurate company comparisons, you should collect free quotes from companies in your area. To collect free quotes, simply enter your Zip Code in the form below (or at the top of the page).

From here you will notice a list of various providers in your location. Go through each provider and request a free quote. You may have to give the company some basic information about yourself and your vehicle, but they should be able to give you an accurate cost estimate for a policy. When you have gotten quotes from every major insurer in your area, you should be able to determine which company offers the best coverage for the lowest price!

Leave a Comment

Your email address will not be published. Required fields are marked *

Choose a Rating