If you drive for Uber or Lyft in West Virginia, you must meet both the state’s personal auto insurance requirements and the additional coverage standards that apply to transportation network company (TNC) drivers. This guide explains the exact insurance requirements, how they apply during each driving period, and how to stay compliant.
For a broader overview, visit the West Virginia Rideshare Insurance Guide.
West Virginia Personal Auto Insurance Minimums
All drivers in West Virginia must carry minimum liability coverage of:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
These limits apply during personal use of your vehicle. However, once you activate the rideshare app, different insurance requirements apply.
Insurance Requirements During Rideshare Periods
Period 1: App On, Waiting for a Ride Request
When the app is on but you have not yet accepted a ride, West Virginia requires higher liability coverage than personal-use minimums. During this period, coverage must provide at least:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage per accident
This coverage is typically provided by the rideshare company, but your personal insurer may deny a claim if you do not carry a rideshare endorsement.
Periods 2 & 3: En Route and Passenger in Vehicle
Once you accept a ride and while transporting a passenger, rideshare companies provide up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may also apply if you carry those coverages on your personal policy.
For detailed breakdowns by platform, see:
Do You Need a Rideshare Endorsement in West Virginia?
Yes, in most cases. Standard personal auto policies often exclude coverage during commercial activity. A rideshare endorsement bridges the gap between personal coverage and company-provided liability protection.
Without an endorsement, you risk:
- Claim denial during Period 1
- Policy cancellation for undisclosed commercial use
- Out-of-pocket exposure for vehicle damage
Proof of Insurance Requirements
West Virginia drivers must carry proof of insurance at all times. Rideshare companies also maintain digital proof of coverage within the app. In the event of an accident, drivers may need to provide both personal and TNC insurance documentation.
Penalties for Non-Compliance
Driving without proper insurance in West Virginia may result in fines, license suspension, registration suspension, and reinstatement fees. If you are involved in an accident without proper rideshare coverage, personal financial liability can be significant.
What West Virginia Drivers Should Do Next
To ensure compliance:
- Confirm your insurer allows rideshare driving
- Add a rideshare endorsement if available
- Understand deductible differences during app-on periods
- Review your expected premium increase
Next, review: