Ok thanks, for those answers, but I have another question. Should I call on the other person.?

Question:
To make sure she is ok or should I wait till she contact me.

Answers:

Generally speaking, can you cancel and get a refund on auto insurance in the middle the term?

I suppose you can if you want to. You certainly aren't expected to. If there's any possibility that the accident is the other driver's fault. you just need to be careful not to accept fault for the accident when you talk to them. "I'm sorry that we had to meet under these circumstances," "It sucks that you have to go through this," and "I hope you feel better soon" are safe. "I'm sorry for hitting you," and "I'm sorry for putting you through this" are usually not good things to say from a liability standpoint.

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In the state of WV how long does it take to get an at fault accident off your record for insurance purposes?

I would not contact the other party. You do not want to say anything that will admit liability. Sometimes even calling the person puts it into their mind that since you called you are at fault for the accident.

Does request of Auto insurance quote have any negative effect ?

If you do feel the need to call you have to be extremely careful about what you say.

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