West Virginia Dealer Vehicle Liability and Property Damage Certificate of Insurance is a document that certifies that a dealer has adequate insurance coverage to protect customers and other parties in the event of a vehicular accident or damage to property. The certificate is issued by an insurance provider that is licensed to do business in the state of West Virginia. There are two types of West Virginia Dealer Vehicle Liability and Property Damage Certificate of Insurance: physical damage and liability. Physical damage coverage covers damages to a vehicle caused by an insured event, such as a collision or fire. Liability coverage provides protection for those who are legally responsible for damages caused by a vehicle owned or operated by a dealer. Both types of coverage are typically required for dealers to operate legally in West Virginia.