Bill > HB3484

This bill requires that beginning January 1, 2026, motor vehicle insurance policies in West Virginia must include underinsurance coverage with minimum policy limits matching the state's existing uninsured motorist coverage requirements. Specifically, this means insurance policies must provide coverage of $25,000 for bodily injury or death of one person in an accident, $50,000 for bodily injury or death of two or more persons in an accident, and $25,000 for property damage. The bill defines an "underinsured motor vehicle" as a vehicle with liability insurance that has limits lower than the insured's underinsured motorists' coverage or has been reduced by payments to other injured parties. Existing insurance policies in effect on December 31, 2025, will continue to be valid until they expire or are renewed. This legislation aims to ensure that drivers have adequate financial protection in accidents involving motorists with insufficient insurance coverage, effectively bringing underinsurance coverage requirements in line with the state's existing uninsured motorist coverage mandates.

Budget and Finance

http://www.wvlegislature.gov/Bill_Status/Bills_history.cfm?input=3484&year=2025&sessiontype=RS&btype=bill