Relating to state minimums for auto insurance increase

HB 3321 increases West Virginia's minimum auto insurance coverage requirements. Starting January 1, 2026, drivers must carry $50,000 for bodily injury/death per person, $100,000 for multiple people, and $50,000 for property damage per accident. This raises current 2026 minimums from $25,000/$50,000/$25,000 to the new amounts. Existing policies in effect as of December 31, 2025, will remain valid until renewal. The bill directly affects all vehicle owners and operators in West Virginia requiring proof of financial responsibility.