HB 3484
Mandate underinsurance to match with the states requirement of mandatory uninsurance
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Sign in to take action- Introduced
- Passed House of Delegates
- Passed Senate
- To Governor
- Became Law
Bill overview
This bill aims to align West Virginia’s motor vehicle insurance requirements by mandating minimum underinsured motor vehicle (UIM) coverage that matches the state’s existing requirement for uninsured motor vehicle (UIM) coverage. Specifically, it establishes minimum policy limits for UIM coverage equivalent to those for uninsured coverage, ensuring drivers carry sufficient protection against potential liability for injuries caused by drivers with inadequate insurance. The bill also addresses proof of financial responsibility and how it must be demonstrated to meet these new requirements.
Key provisions
- Requires minimum mandatory underinsured motor vehicle insurance coverage.
- Sets UIM coverage limits equal to those for uninsured motor vehicle coverage.
- Defines ‘proof of financial responsibility’ to include UIM coverage requirements.
- Specifies minimum coverage amounts for bodily injury to one or more persons and property damage.
- Addresses proof of financial responsibility for policies issued before the effective date of the new requirements.
- Outlines procedures for reporting accidents and notifying insurance companies.
- Details requirements for uninsured motorists, including notification and providing information for legal action.
- Establishes a process for insurers to offer and provide UIM coverage.
Who is affected
- Motor vehicle drivers and vehicle owners in West Virginia
- Insurance companies operating in West Virginia
- Individuals injured in motor vehicle accidents
Sponsors
Official sponsors from legislative records.
Primary sponsor
Flanigan
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