WV HB3484

Requires mandatory underinsured motorist coverage on all motor vehicle insurance policies beginning January 1, 2026, with minimum limits matching uninsured motorist coverage: $25,000 for bodily injury/death per person, $50,000 per accident, and $25,000 for property damage

Expands the definition of "proof of financial responsibility" to include underinsurance coverage that pays damages when an at-fault driver's insurance is insufficient to cover the insured's losses

Policies in effect on December 31, 2025 meeting current minimum requirements will remain valid until the policy expires or is renewed

Amends insurance policy requirements so that all motor vehicle liability policies must include provisions for both uninsured and underinsured motorist coverage

Defines "underinsured motor vehicle" as one with liability insurance limits either less than the insured's underinsured coverage limits or reduced by payments to others injured in the same accident