Relating to modifying the priority of insurance coverage for drivers of certain vehicles to make consistent with federal law

HB 4877 modifies West Virginia's insurance law to align with federal standards for rental vehicles. It requires that when a driver test-drives a vehicle or uses a loaner provided by a business (such as a car dealership), the driver's personal insurance coverage is primary and the business's insurance is secondary. This change directly affects drivers using test drives or loaner vehicles and the businesses that provide them. The bill ensures state law matches federal requirements, eliminating inconsistencies in insurance coverage priority for these specific scenarios.