West Virginia WV Car Insurance
Reader’s Question:
Is it in West Virginia state law where medical coverage follows the owner of the car rather than the insured when the insured is operating someone else’s vehicle?
Charles
Charleston, WV
Medical payment coverage typically pays for you, your family members and passengers whether you caused the accident or not. Depending on the terms of the insurance policy you might also be covered if you are injured in someone else’s vehicle or hit by a car while walking or bicycling.
There is no information that I have found that says West Virginia differs in the way its car insurance medical payment coverage is dispensed.
It might be best to contact the West Virginia Insurance Commission consumer division to find out if there is a state law regarding if medical payment coverage follows the owner of the car or the insured instead of going through the whole West Virginia Code for Insurance.