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September 15th, 2025
Every state has a law that requires some level of minimum auto insurance coverage. Some require only liability coverage, which provides coverage for a driver’s liability to others when he or she is at fault for a crash. Others require liability insurance, and somtimes uninsured and underinsurance motorist coverage, which provide benefits when there is no insurance coverage available from the driver who is at fault for a crash, or when the driver at fault for a crash does not have enough insurance to pay for all of the damage for which he or she is liable. This minimum insurance coverage is important because insurance is often the only realistic source from which someone who has suffered serious injuries in a motor vehicle crash can recover a meaningful amount that comes anywhere close to full compensation for his or her loss.
Minimum coverage requirements vary by state. Some states only mandate liability coverage, which pays for damage when a driver is at fault. Others also require uninsured or underinsured motorist coverage, which helps when the at-fault driver has no insurance or not enough to cover the full damages.
While these laws set a baseline, the minimum coverage amounts are rarely enough to fully compensate someone who suffers serious injuries in a crash.
West Virginia requires drivers to carry at least:
$25,000 liability coverage per person for bodily injury
$50,000 per accident if multiple people are hurt
$25,000 for property damage
Insurers must also offer:
Uninsured motorist coverage up to $100,000 per person/$300,000 per accident for bodily injury, plus $50,000 for property damage
Underinsured motorist coverage (optional) up to the limits of the driver’s liability policy
You can review the full requirements on the West Virginia Insurance Commission website.
Ohio’s minimum requirements are lower:
$25,000 bodily injury per person
$50,000 per accident for injuries
$25,000 for property damage
Details are outlined by the Ohio Bureau of Motor Vehicles
Pennsylvania has a different structure, requiring drivers to carry:
$15,000 bodily injury per person
$30,000 per accident
$5,000 property damage
More details are available through the Pennsylvania Department of Transportation
These coverage amounts may sound like a lot, but they can be exhausted quickly in a serious crash—especially if multiple people are injured. Medical costs alone can surpass these limits. That’s why many drivers choose higher coverage amounts for extra protection.
If you or a loved one has been injured in West Virginia, Ohio, or Pennsylvania, it’s important to understand your insurance rights. An experienced attorney can help you navigate claims, deal with insurers, and fight for the compensation you deserve.
At Bordas & Bordas, we help clients make sure they are treated fairly and receive the benefits they’re entitled to under the law.
