WEST VIRGINIA AUTO INSURANCE GUIDE

West Virginia Borrowed, Non-Owned, Rental & Car-Sharing Vehicles

This guide will address liability and first-party coverage issues involving permissive use, borrowed vehicles, non-owned autos, rental cars, and car-sharing arrangements in West Virginia, including priority among potentially applicable policies and contractual limitations.

Publication review note — September 17, 2026. Verify current omnibus requirements, rental and car-sharing statutes, policy forms, and controlling decisions before publication.