WV HB3286

Prohibits insurers from refusing to underwrite, canceling, refusing to renew, or increasing premiums for passenger motor vehicle, residential property, or personal insurance policies based on an applicant's or insured person's credit history

Bars insurers from using credit history to rate risks, including applying or removing discounts, assigning rating tiers, or placing applicants with affiliated companies

Prevents insurers from requiring specific payment plans based on a person's credit history

Classifies the use of credit history in these insurance transactions as an unfair trade practice under West Virginia insurance law