In the state of West Virginia, it is illegal to drive without car insurance. There’s a lot to consider and numerous factors that affect what your premiums could be. Your Dorsey Insurance Group agent will ask all the right questions to get you just the coverage you want and at a monthly premium that works for you. Below we’ll briefly describe the different types of insurance as well as factors that can raise or lower the costs.
COVERAGE FOR ALL THE THINGS THAT MOVE YOU
car • motorcycle • atv • watercraft • commercial auto
Once you have your auto insurance in check, are there additional cars you carry insurance on? Maybe you finally treated yourself to that beautiful motorcycle you’ve had your eye on for years. Or maybe, your business is blooming and you’re about to invest in a few company trucks… you’re going to want to insure them. Whatever your vehicle insurance needs are, we hope you’ll contact us.
COVERAGE TYPE
Auto insurance is made up of numerous types of coverage. Your car, other peoples’ cars, individuals and more can all be covered depending on the policy you have. The three main areas are:
LIABILITY
Minimum coverage required. Covers: your medical expenses (limited) and the other driver's medical and car repair expenses if you're at fault.
COLLISION
Covers repairs to your car after an accident.
COMPREHENSIVE
Covers everything else that can happen to your car other than a collision (fire, theft, storm damage, vandalism.)
ADDITIONAL COVERAGE
It’s worth reading through these options as even the best basic coverage has its limits. An auto accident could unfortunately find you injured, out of work and without a car. For additional coverage consider:
UNINSURED/UNDERINSURED
When an at-fault motorist doesn't have insurance, or not enough, to cover your medical and repair expenses.
MEDICAL
For medical expenses that exceed your liability coverage.
RENTAL CAR
Covers the cost of a rental car while your car is being repaired.
ROADSIDE ASSISTANCE
Covers things like emergency towing, battery jump-starts and more.
DISCOUNTS
One of the reasons our site doesn’t offer an “online estimator” is because there are many factors that could play in your favor to save you money on car insurance rates. Contact us and let’s see if you qualify for:
MULTI-POLICY
MULTI-CAR
CAR SAFETY FEATURES
DRIVING HISTORY
YOUR AGE
Still have questions? You should, and we’re here to answer all of them. Contact us today. We’ll review your personal circumstances and compare possible options to find you just the right auto, motorcycle, atv, watercraft or commercial vehicle insurance coverage needs. Once you have coverage, be sure to contact us as soon as possible should you be involved in an accident or acts of nature, theft or vandalism. Our agents will guide you and help you to quickly file a claim.