2023 West Virginia Code › Chapter 17. Roads and Highways › Article 29. Transportation Network Companies › §17-29-8. Financial Responsibility of Transportation Network Companies

(a) On or before July 1, 2016, and thereafter, a transportation network company driver or transportation network company on the driver’s behalf shall maintain primary automobile insurance that recognizes that the driver is a transportation network company driver or otherwise uses a vehicle to transport passengers for compensation and covers the driver:
(1) While the transportation network company driver is logged on to the transportation network company’s digital network; or
(2) While the driver is engaged in a prearranged ride.
(b) The following automobile insurance requirements apply while a participating transportation network company driver is logged on to the transportation network company’s digital network and is available to receive transportation requests, but is not engaged in a prearranged ride:
(1) Primary automobile liability insurance in the amount of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident and $25,000 for property damage; and
(2) Uninsured and underinsured motorists’ coverage as required in section thirty-one, article six, chapter thirty-three of this code.
(3) The coverage requirements of this subsection may be satisfied by any of the following:
(A) Automobile insurance maintained by the transportation network company driver; or
(B) Automobile insurance maintained by the transportation network company; or
(C) Any combination of paragraphs (A) and (B) of this subdivision.
(c) The following automobile insurance requirements apply while a transportation network company driver is engaged in a prearranged ride:
(1) Primary automobile liability insurance that provides at least $1,000,000 for death, bodily injury and property damage; and
(2) Uninsured and underinsured motorists’ coverage as required in section thirty-one, article six, chapter thirty-three of this code.
(3) The coverage requirements of this subsection (c) may be satisfied by any of the following:
(A) Automobile insurance maintained by the transportation network company driver; or
(B) Automobile insurance maintained by the transportation network company; or
(C) Any combination of paragraphs (A) and (B) of this subdivision.
(d) If insurance maintained by a driver in subsection (b) or (c) has lapsed or does not provide the required coverage, insurance maintained by a transportation network company shall provide the coverage required under this section beginning with the first dollar of a claim and have the duty to defend such claim.
(e) Coverage under an automobile insurance policy maintained by the transportation network company shall not be dependent on a personal automobile insurer first denying a claim nor shall a personal automobile insurance policy be required to first deny a claim.
(f) Insurance required under this section may be placed with an insurer authorized to do business in this state or with a surplus lines insurer eligible under section five, article twelve-c, chapter thirty-three of this code that has a credit rating of no less than “A-” from A.M. Best or “A” from Demotech or similar rating from another rating agency recognized by the Insurance Commissioner.
(g) Insurance satisfying the requirements of this section shall be deemed to satisfy the financial responsibility requirement for a motor vehicle under article four, chapter seventeen-d of this code.
(h) A transportation network company driver shall carry proof of coverage satisfying subsections (b) and (c), section eight of this article with him or her at all times during his or her use of a personal vehicle in connection with a transportation network company’s digital network. In the event of an accident, a transportation network company driver shall provide this insurance coverage information to the directly interested parties, automobile insurers and investigating police officers, upon request pursuant to section four, article two-a, chapter seventeen-d of this code. Upon such request, a transportation network company driver shall also disclose to directly interested parties, automobile insurers, and investigating police officers, whether he or she was logged on to the transportation network company’s digital network or on a prearranged ride at the time of an accident.