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Insurance to Kick Your Risks to the Curb

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It’s time to find insurance solutions that are as unique as you are at Dynamic Insurance Group.

Learn About Dynamic Insurance Group

We are an independent insurance agency of passionate and experienced professionals who only have one goal—to help protect you. Insurance can often seem overwhelming and negative, but not with us. We take a positive approach to your insurance. While we help you identify the risks you face, we don’t dwell on them. Instead, we focus on the ways that insurance can bring you peace of mind.

You are unique. From where you live, where you work, and the things you love to do in your free time, your risks are your own. So why would you look for insurance that’s not fit to your specific needs? Because we’re independent, we have the flexibility to help you. By working with several top-rated carriers, we can offer you a variety of coverage options. At Dynamic Insurance Group, we don’t take a one-size-fits-all approach.

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Serving West Virginia and Beyond

From our offices in Morgantown, WV, and Fairmont, WV, we proudly serve clients throughout West Virginia and several other states.

Morgantown, WV

Fairmont, WV

The Independent Agency Advantage

What makes our independent insurance agency different?

Why Go Independent?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent Erie Insurance, Safeco, and more!

Professional Associations

Associations - SIAA

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The Solution to Your Insurance Needs

Dynamic Insurance Group offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

Getting a Title Transfer?

Here’s a list of the important things you need to bring so that way you don’t have to go home and come back. After all, we’re here to make your life easier, not harder.

  • Valid ID that matches the name of the person the title is being transferred to and the vehicle on the title.
  • Title in the previous owner’s name and with the seller’s signature on the title in the seller’s section exactly how it appears on the front of the title.
  • Lien information if there is a lien on the vehicle.
  • Proof of insurance only if a new license plate is needed or you are transferring a current plate.
  • Registration card with the name matching the person the title is being transferred to if you are transferring a plate.
  • Odometer statement.
  • Payment, cash, or checks accepted.
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Title Transfers – Temporary Tags – Registration Renewals

We offer title transfers, temporary tags, registration renewals, and notary services at our Fairmont, WV, office.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a Dynamic Insurance Group client? Visit our Service Center to pay a bill, request a certificate, report a claim, and more.

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Our Clients Rave About Us

Check out our 100+ five-star reviews and see why you should switch to Dynamic Insurance Group.

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Let’s Get Started

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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