Which type of coverage is not required by law in West Virginia?

In West Virginia, the law mandates that drivers carry certain types of insurance to ensure that all vehicles on the road have sufficient coverage to protect against financial loss from accidents. Liability coverage, which includes bodily injury and property damage liability, is required by law because it helps cover damages and medical expenses for others if you are at fault in an accident.

Collision and comprehensive coverages, on the other hand, are optional. Collision coverage helps pay for damage to your own vehicle resulting from a collision, whereas comprehensive coverage protects against non-collision-related incidents, such as theft or natural disasters. Neither of these coverages is mandated by law, allowing vehicle owners the flexibility to choose whether or not to purchase them based on their individual needs and financial situation.

Property damage coverage is a component of liability coverage and is thus required under West Virginia law to protect other people's property in the event of an accident caused by the insured driver.

Therefore, collision coverage is the correct answer as it is not legally required for drivers in West Virginia, allowing individuals the option to decide on their own if they want that extra level of protection for their vehicles.