Relating to minimum limits for motor vehicle insurance coverage

HB 5505 Text

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Introduced Version

House Bill 5505 History

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Key:
Green
= existing Code.
Red
= new code to be enacted

WEST VIRGINIA LEGISLATURE
2026
REGULAR SESSION
Introduced
House Bill 5505
By Delegate Kyle
[Introduced February 13, 2026; referred to the Committee on Finance]
A BILL to amend and reenact §17D-4-2 of the Code of West Virginia, 1931, as amended, relating to increasing minimum liability insurance coverage requirements for motor vehicles.
Be it enacted by the Legislature of West Virginia:

ARTICLE 4. proof of financial responsibility for the future.

§17D-4-2. "Proof of financial responsibility" defined.

As used in this chapter:
(a) "Proof of financial responsibility" means proof of ability to respond in damages for liability, on account of accident occurring subsequent to the effective date of the proof, arising out of the ownership, operation, maintenance or use of a motor vehicle, trailer or semitrailer in the amount of $20,000 because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of $40,000 because of bodily injury to or death of two or more persons in any one accident, and in the amount of $10,000 because of injury to or destruction of property of others in any one accident.
(b) Beginning January 1, 2016, "proof of financial responsibility" means proof of ability to respond in damages for liability, on account of accident occurring subsequent to the effective date of the proof, arising out of the ownership, operation, maintenance, or use of a motor vehicle, trailer or semitrailer in the amount of
$25,000 because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of $50,000 because of bodily injury to or death of two or more persons in any one accident, and in the amount of $25,000 because of injury to or destruction of property of others in any one accident:
Provided,
That proof of financial responsibility provided by an insurance policy in effect on December 31, 2015

$100,000 because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of $300,000 because of bodily injury to or death of two or more persons in any one accident, and in the amount of $100,000 because of injury to or destruction of property of others in any one accident:
Provided,
That proof of financial responsibility provided by an insurance policy in effect on December 31, 2026
in the minimum amounts required in subdivision (a) of this section shall continue to provide adequate proof of financial responsibility required by this chapter until the policy expires or is renewed.

NOTE: The purpose of this bill is to increase minimum liability insurance coverage requirements for motor vehicles.
Strike-throughs indicate language that would be stricken from a heading or the present law and underscoring indicates new language that would be added.

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