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What is underinsured and uninsured motorist coverage? Do I need it?

April 26, 2017coverage motorist underinsured uninsured

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What is underinsured and uninsured motorist coverage? Do I need it?

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West Virginia law currently requires that all drivers have uninsured motorist coverage. This type of automobile insurance will cover both personal injury or property damage if you are injured due to the fault of a driver without insurance. The law does not require underinsured coverage, but you should consider including that type of coverage. If you are injured by a driver who carries only the minimum amount of insurance required by the state, there may not be sufficient funds for you to obtain full payment for necessary medical bills, lost wages or your pain and suffering.