Ace the West Virginia Adjusters Exam 2026 – Claim Your Success This Year!

In West Virginia, a vehicle is considered "underinsured" for the purposes of UM/UIM coverage if:

the vehicle does not have any insurance coverage.

A "underinsured" vehicle, for the purposes of UM/UIM coverage, is one that does not have enough insurance coverage to fully compensate for damages in the event of an accident.

Choice B is incorrect because it is referring to "liability limits," which are not specific to UM/UIM coverage.

Choice C is incorrect because a total loss designation does not necessarily indicate the amount of insurance coverage on the vehicle.

Choice D is incorrect because registration status does not determine the amount of insurance coverage on a vehicle. Only Choice A accurately defines "underinsured" for UM/UIM coverage.

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the liability limits that apply to it are lower than the injured person's UM/UIM limit.

the vehicle has been declared a total loss.

the vehicle has expired registration.