The civic record
Read. Follow. Verify.West Virginia Bill 4877 alters auto insurance priority for loaner and test vehicles
Last action · January 28, 2026: To House FinanceSponsor: Clay Riley
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What This Bill Proposed
House Bill 4877 modifies insurance coverage rules by making an individual's personal auto policy primary when operating a dealership loaner vehicle, while business-owned policy coverage becomes secondary, subject to specific conditions.
- The West Virginia Legislature is the state's bicameral lawmaking body responsible for passing statutes and amendments. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Motor vehicle operators
Drivers using temporary loaner or test vehicles face changes in which insurance policy is primary during an incident.
Auto insurance providers
Insurers experience shifts in financial liability and claim priority between personal policies and commercial business policies.
Automotive repair, sales, and leasing businesses
Businesses providing loaner or test vehicles have their insurance designated as secondary under specific customer-use scenarios.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Are employee drivers treated differently when driving a business vehicle?
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News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
4 actions- Jan 28, 2026HouseCommitteeTo House Finance
- Jan 28, 2026HouseIntroducedIntroduced in House
- Jan 28, 2026HouseCommitteeTo Finance
- Jan 28, 2026HouseIntroducedFiled for introduction
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
www.wvlegislature.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 45)
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
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