WV HB3089

Financial institutions recording five or more liens in a calendar year must use the West Virginia Division of Motor Vehicles' electronic lien and title system for all motor vehicle lien actions, effective July 1, 2025

Insurance companies can apply for a salvage certificate or title to a total loss vehicle after 15 days of payment if the owner has not surrendered the certificate of title, reduced from the previous waiting period

Electronic records of certificates of title and liens are admissible as evidence in civil, criminal, or administrative proceedings in West Virginia

The DMV is not required to issue paper certificates of title to lienholders once the electronic lien and title system is fully implemented, though paper documents may still be requested

Various title fees ($22.50 for salvage titles, cosmetic total loss titles, and salvage certificates) may be adjusted every five years based on the Consumer Price Index, with increases capped at 10% per year