West Virginia Insurance Bad Faith Questions & Answers

Q: On December 8, 2017, my family suffered a house fire.

1 Answer | Asked in Insurance Bad Faith for West Virginia on
Answered on Jan 28, 2018
D. Michael Burke Esq's answer
I suggest that you at least contact an attorney to discuss your potential case against your insurance company. You should also try to obtain a copy of the fire investigative report from the local fire department or chief, and from the State Fire Marshall's office.

Q: Do insurance companies have to sell you full coverage insurance if there is a lein on the car(still owe money to a bank)

1 Answer | Asked in Insurance Bad Faith, Car Accidents and Consumer Law for West Virginia on
Answered on Dec 26, 2017
Peter Munsing's answer
The lien company may require it but the insurance agent asks what you want, you may have said "the cheapest," and that's what you have. I'm not aware of any state that requires that you have collision coverage. Your bank would normally require it, but if you ask your agent for "full coverage" they are attuned to providing full liability coverage and may not have asked whether you wanted full first party protection.

But the lien company may have it so ask them.

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