Mandate underinsurance to match with the states requirement of mandatory uninsurance

HB 3484 requires motor vehicle insurance policies in West Virginia to include underinsured motor vehicle coverage with the same minimum limits as the current mandatory uninsured motor vehicle coverage. Starting January 1, 2026, this coverage must provide at least $25,000 for bodily injury to one person, $50,000 for two or more people, and $25,000 for property damage in any accident. The bill directly affects drivers and insurance companies by mandating that underinsured coverage meets the same minimum standards as uninsured coverage. Existing policies will remain valid until expiration or renewal, with no immediate changes to current coverage requirements.