This bill amends the Code of West Virginia to increase the mandatory insurance coverage limits required for proof of financial responsibility related to motor vehicles. Specifically, it raises the minimum coverage amounts for bodily injury and property damage. The new limits will be set at $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons, and $25,000 for property damage in any one accident. Additionally, starting January 1, 2026, these limits will further increase to $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more persons, and $50,000 for property damage.

The bill also includes a provision that allows insurance policies in effect on December 31, 2025, which meet the previous minimum coverage requirements, to continue to provide adequate proof of financial responsibility until the policy expires or is renewed. This transition period ensures that existing policies remain valid while the new coverage limits are implemented. Overall, the purpose of this bill is to enhance the financial responsibility requirements for motor vehicle operators in West Virginia.

Statutes affected:
Introduced Version: 17D-4-2