West Virginia Adjusters Practice Exam

Every auto policy in West Virginia must include which type of coverage with a limit of at least $25,000?

1. Medical Payments Liability

2. Property Damage Liability

3. Uninsured Motorist Coverage

4. Bodily Injury Liability

The correct answer is: Medical Payments Liability

The correct coverage that every auto policy in West Virginia must include, with a limit of at least $25,000, is Uninsured Motorist Coverage. This type of coverage is critical because it helps protect policyholders in case they are involved in an accident with a driver who does not have insurance or insufficient insurance to cover the damages they cause. Uninsured Motorist Coverage is designed to ensure that victims of accidents can still recover damages, such as medical expenses and lost wages, even when the at-fault party lacks adequate insurance. West Virginia law mandates this coverage to provide a safety net for drivers, ensuring that they are not left without recourse in the event of an accident caused by an uninsured driver. The other options, although important components of an auto insurance policy, do not represent the specific mandated coverage under West Virginia law that requires a minimum limit of $25,000. For example, Medical Payments Liability and Bodily Injury Liability cover different aspects of liability and medical expenses, while Property Damage Liability focuses on damage to another person's property. However, it is Uninsured Motorist Coverage that fulfills the legal requirement for minimum coverage in West Virginia.