West Virginia Insurance Regulations

Overview

West Virginia Offices of the Insurance Commissioner regulates the insurance industry and provides consumer complaint services. The state follows modified comparative fault where recovery is barred at 50% or more fault.

Key Insurance Regulations in West Virginia

• Modified comparative fault — barred at 50% or more fault
• 2-year statute of limitations for personal injury and property damage
• Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in West Virginia

If you believe your insurance company has acted unfairly or violated West Virginia insurance laws, you can file a complaint with the West Virginia Offices of the Insurance Commissioner. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The West Virginia Offices of the Insurance Commissioner typically responds to complaints within 30 days.