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Songer Insurance Agency, Inc. Blog

All You Ever Wanted to Know About Insurance

Minimum Auto Limits

Minimum limits are not defined in the generic multi-state personal auto policy form but rather in each state amendatory endorsement that modifies the generic personal auto policy to comply with local regulatory requirements. The term is added here because the personal auto policy refers in some places to the minimum limit of liability specified by the financial responsibility for compulsory insurance law of the state or the vehicle is garaged. 

Some courts have held the policy provisions that do not refer to specific limits for statutes are ambiguous and unenforceable. So rather than vaguely relating to state law the minimum limit term in a given state amendment to the personal auto policy specifies in dollar the specific minimum amount of coverage currently required by applicable state law.

Minimum limits for personal auto policies in Beckley West Virginia are 25,000 for each person, subject to 50,000 for each accident , concerning bodily injury and 25,000 for each accident relating to property damage. Many people often choose to buy this amount of coverage because it is the cheapest however as the old saying goes “you get what you pay for.” In most cases, we would recommend that the state minimum limits are not an adequate amount of insurance. If you are shopping for car insurance in Beckley West Virginia, please visit us at 2955 Robert C Byrd Drive. Beckley West Virginia 25801.