WEST VIRGINIA AUTHORITY LIBRARY
West Virginia Auto Insurance & Crash Law Case Authority Library
This issue-organized authority index collects primary West Virginia statutes and leading appellate decisions for motor-vehicle insurance and crash-law research.
Core West Virginia Statutes
- W. Va. Code § 33-6-31 — uninsured and underinsured motorist coverage.
- W. Va. Code § 55-7-13a — modified comparative fault.
- W. Va. Code §§ 55-7-13b through 55-7-13d — allocation and several-liability rules.
- W. Va. Code § 33-6F-2 — pre-suit liability insurance disclosure.
Leading West Virginia Decisions
- State Auto Mutual Insurance Co. v. Youler (W. Va. 1990) — stacking of UM/UIM coverage across multiple endorsements.
- Miller v. Lemon (W. Va. 1995) — enforceability of anti-stacking language when a multi-car discount applies.
- Hayseeds, Inc. v. State Farm Fire & Casualty (W. Va. 1986) — first-party insurer remedies and consequential damages principles.
- Elmore v. State Farm Mutual Automobile Insurance Co. (W. Va. 1998) — limits on common-law bad-faith duties to third-party claimants.
West Virginia UM/UIM law is sensitive to policy structure, multiple policies, multi-car discounts and statutory offers. Check later treatment, current Insurance Commissioner materials and the actual declarations and endorsements.
Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.
VictimsGuide 