Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

West Virginia Insurance Guide

A coal mining and logging state, West Virginia has mineral rich and lush mountains and forests. The state’s insurance regulations are reasonable and as easy for residents to live with as their expansive forests.

West Virginia Auto Insurance

West Virginia auto insurance regulations require uninsured motorist coverage and liability insurance for its residents, but no personal injury protection (PIP) and is an at-fault state. Resident drivers are required to carry at least $20,000 in bodily injury liability coverage for single-person injuries and $40,000 for multiple person injuries. They also require $10,000 for property damage liability.

West Virginia Health Insurance

West Virginia health insurance is not issued on a guaranteed basis to individuals in the state, although HMOs with 50,000 or more enrollees that have been in existence for more than 5 years must have open enrollment for one 30-day period each year. The state also has a high-risk pool and allows health savings account (HSA).

Groups with at least 2 people are considered for group health insurance in West Virginia. Any individual participant who has been without insurance coverage for 63 or more days over the past 6 months can have his or her pre-existing condition excluded from coverage for up to 12 months.

West Virginia Home Insurance

West Virginia home insurance regulations do not require all homeowners to carry insurance. The state is prone to hurricanes so it is advisable that homeowners adequately insure their homes, even if they don’t have a mortgage, to protect against them.

Because residents of West Virginia have experienced repeat flooding, the Federal Emergency Management Agency (FEMA) is developing a grant program to assist some homeowners by either buying their homes and re-zoning the land for parks and other purposes that cannot be damaged by floods, raising their homes to be above flood waters, or relocating their homes.

West Virginia Life Insurance

In order to protect life insurance customers from insurer insolvency, West Virginia life insurance regulators created the West Virginia Life and Health Insurance Guaranty Association in 1977 to provide some benefits to qualified policyholders and beneficiaries whose insurers had gone bankrupt. They provide up to $300,000 in death benefits and $100,000 in cash surrender values.




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