Increasing mandatory insurance coverage limits for proof of financial responsibility

HB 2202 increases West Virginia's minimum auto insurance coverage requirements for proof of financial responsibility. It raises the mandatory limits to $50,000 per person for bodily injury/death (from $25,000), $100,000 for multiple people (from $50,000), and $50,000 for property damage (from $25,000), effective January 1, 2026. Existing policies meeting the old limits (as of December 31, 2025) will remain valid until renewal. This directly affects drivers required to carry auto insurance in West Virginia who must now meet higher coverage thresholds for liability claims.