West VirginiaSB 5562026 Regular SessionSenateWALLET

Modifying priority of insurance coverage for drivers of certain vehicles provided by entities

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Company car: employer insurance first

Beginning June 9, 2026, if you are an employee driving a company vehicle for work with permission, your employer’s auto liability insurance is primary. Your own auto insurance is secondary. These rules apply to policies issued or in effect on or after that date.

Passenger injuries must be covered

Beginning June 9, 2026, auto liability policies in West Virginia cannot exclude coverage for guest passengers. Passengers are covered for injuries and damage to their property under the vehicle owner’s liability policy. These rules apply to policies issued or in effect on or after that date.

Who pays first for rentals and loaners

Beginning June 9, 2026, your own auto policy is primary when you drive a dealer or service replacement car with permission, you did not pay extra at pickup, and your car is in the shop. The business’s policy pays only after your coverage is used up. For vehicles owned by rental, leasing, sales, repair, or service companies, the company’s state-required coverage is secondary to any liability insurance you already have. But if you buy the rental company’s liability coverage for an extra charge, that purchased coverage is primary. These rules apply to policies issued or in effect on or after that date.

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Sponsors & Cosponsors

Sponsor

Carl Martin
Republican • House

Cosponsors

Chris Phillips
Republican • House
Tom Takubo
Republican • Senate
Mike Woelfel
Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 111 • No: 16

House vote • 3/11/2026

Passed House (Roll No. 390)

Yes: 77 • No: 16

Senate vote • 2/3/2026

Passed Senate with amended title (Roll No. 37)

Yes: 34 • No: 0

Actions Timeline

Approved by Governor 4/1/2026
4/1/2026Senate
Approved by Governor 4/1/2026 - Senate Journal
3/14/2026Senate
Approved by Governor 4/1/2026 - House Journal
3/14/2026House
To Governor 3/13/2026
3/13/2026Senate
On 3rd reading, Special Calendar
3/11/2026House
Read 3rd time
3/11/2026House
Passed House (Roll No. 390)
3/11/2026House
Communicated to Senate
3/11/2026House
Completed legislative action
3/11/2026House
House Message received
3/11/2026Senate
On 2nd reading, Special Calendar
3/10/2026House
Read 2nd time
3/10/2026House
Do pass, but first to Finance
3/9/2026House
2nd reference dispensed
3/9/2026House
Immediate consideration
3/9/2026House
Read 1st time
3/9/2026House
Markup Discussion
3/5/2026House
House received Senate message
2/4/2026House
Introduced in House
2/4/2026House
To Judiciary then Finance
2/4/2026House
To House Judiciary
2/4/2026House
On 3rd reading
2/3/2026Senate
Read 3rd time
2/3/2026Senate
Passed Senate with amended title (Roll No. 37)
2/3/2026Senate
Ordered to House
2/3/2026Senate

Bill Text

Engrossed
HTML PDF
Enrolled
HTML PDF
Introduced Version
HTML PDF

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