33-6-1 Scope of article
33-6-2 Insurable interest in one’s own life or life of another; actions to recover benefits; insurable interests defined; requirements for charitable institutions
33-6-3 Insurable interest in property
33-6-4 Who may contract for insurance; competency of minors
33-6-5 Application or consent of person insured required; exceptions
33-6-5a Application for life or accident and sickness insurance; signatures required; exemptions; right of insured to return policy
33-6-6 Application for insurance as evidence
33-6-7 Representations in applications
33-6-8 Filing of forms
33-6-9 Grounds for disapproval of forms
33-6-10 Standard provisions
33-6-11 Contents of policy
33-6-11a Right to return Medicare supplement policy, certificate or contract
33-6-11b Right to return life or accident and sickness insurance policy, certificate or contract
33-6-12 Additional contents of policy
33-6-13 Policy provisions as to charter, bylaws, or other documents
33-6-14 Certain policy conditions, etc., voided
33-6-14a Public liability insurance policies issued to charitable associations to contain provision for waiving of charitable immunity defense
33-6-15 Execution of policies
33-6-15a Notation of consumer cost savings
33-6-16 Underwriters’ and combination policies
33-6-17 Validity of noncomplying forms
33-6-18 Binders
33-6-19 Renewal of policy by certificate or endorsement
33-6-20 Assignment of policies
33-6-21 Annulment of liability policies
33-6-22 Payment discharges insurer
33-6-24 Simultaneous deaths
33-6-25 Proof of loss forms
33-6-26 Acts of insurer not constituting waiver of policy provisions or defenses thereunder
33-6-27 Life insurance proceeds exempt from creditors
33-6-28 Group life insurance proceeds exempt from creditors
33-6-29 Motor vehicle policy; injuries to guest passengers; coverage for loaned or leased motor vehicles; exceptions
33-6-30 Construction of policies
33-6-31 Motor vehicle policy; omnibus clause; uninsured and underinsured motorists’ coverage; conditions for recovery under endorsement; rights and liabilities of insurer
33-6-31a Rates charged for uninsured motorist coverage
33-6-31b Nondiscriminatory automobile insurance rates for handicapped persons
33-6-31c Substandard risk motor vehicle insurance policies; definitions; required notices and provisions; promulgation of rules; effective date; money penalty for failure to give required notice
33-6-31d Form for making offer of optional uninsured and underinsured coverage
33-6-31e Notice of proposed settlement for policy limits to underinsured motorist coverage carrier; waiver of subrogation; time limits
33-6-31f Uninsured and underinsured motorists’ coverage optional on umbrella and excess type liability policies
33-6-31g Electronic insurance verification program; insurer’s duty to cooperate
33-6-31h Excluded drivers; definitions; legislative findings; restrictive endorsements
33-6-32 Newly born children to be covered by all health insurance policies
33-6-33 Valuation of motor vehicle involved in claim
33-6-34 Fee for form, rate, and rule filing
33-6-35 Mass marketed life and health insurance
33-6-36 Continuation of coverage under automobile liability policy; selection of coverage; exclusions; notice
33-6-37 Cancellation or nonrenewal of a combination insurance policy; offer of optional coverage; date of inception of optional coverage
33-6-38 Lyme disease to be covered by all health insurance policies
33-6-39 Prohibitions related to dental insurance plans, agreements, charges, and reimbursements; definitions
33-6-40 Military service as factor in insurance rates

Terms Used In West Virginia Code > Chapter 33 > Article 6 - The Insurance Policy

  • Annuity: A periodic (usually annual) payment of a fixed sum of money for either the life of the recipient or for a fixed number of years. A series of payments under a contract from an insurance company, a trust company, or an individual. Annuity payments are made at regular intervals over a period of more than one full year.
  • Attorney-in-fact: A person who, acting as an agent, is given written authorization by another person to transact business for him (her) out of court.
  • Beneficiary: A person who is entitled to receive the benefits or proceeds of a will, trust, insurance policy, retirement plan, annuity, or other contract. Source: OCC
  • Common law: The legal system that originated in England and is now in use in the United States. It is based on judicial decisions rather than legislative action.
  • Complaint: A written statement by the plaintiff stating the wrongs allegedly committed by the defendant.
  • Contract: A legal written agreement that becomes binding when signed.
  • Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
  • Defendant: In a civil suit, the person complained against; in a criminal case, the person accused of the crime.
  • Dependent: A person dependent for support upon another.
  • Equitable: Pertaining to civil suits in "equity" rather than in "law." In English legal history, the courts of "law" could order the payment of damages and could afford no other remedy. See damages. A separate court of "equity" could order someone to do something or to cease to do something. See, e.g., injunction. In American jurisprudence, the federal courts have both legal and equitable power, but the distinction is still an important one. For example, a trial by jury is normally available in "law" cases but not in "equity" cases. Source: U.S. Courts
  • Evidence: Information presented in testimony or in documents that is used to persuade the fact finder (judge or jury) to decide the case for one side or the other.
  • Executor: A male person named in a will to carry out the decedent
  • Fraud: Intentional deception resulting in injury to another.
  • in writing: includes any representation of words, letters, or figures, whether by printing, engraving, writing, or otherwise. See West Virginia Code 2-2-10
  • Jurisdiction: (1) The legal authority of a court to hear and decide a case. Concurrent jurisdiction exists when two courts have simultaneous responsibility for the same case. (2) The geographic area over which the court has authority to decide cases.
  • Lease: A contract transferring the use of property or occupancy of land, space, structures, or equipment in consideration of a payment (e.g., rent). Source: OCC
  • Liabilities: The aggregate of all debts and other legal obligations of a particular person or legal entity.
  • Obligation: An order placed, contract awarded, service received, or similar transaction during a given period that will require payments during the same or a future period.
  • Partnership: A voluntary contract between two or more persons to pool some or all of their assets into a business, with the agreement that there will be a proportional sharing of profits and losses.
  • Pleadings: Written statements of the parties in a civil case of their positions. In the federal courts, the principal pleadings are the complaint and the answer.
  • Power of attorney: A written instrument which authorizes one person to act as another's agent or attorney. The power of attorney may be for a definite, specific act, or it may be general in nature. The terms of the written power of attorney may specify when it will expire. If not, the power of attorney usually expires when the person granting it dies. Source: OCC
  • Service of process: The service of writs or summonses to the appropriate party.
  • Settlement: Parties to a lawsuit resolve their difference without having a trial. Settlements often involve the payment of compensation by one party in satisfaction of the other party's claims.
  • State: when applied to a part of the United States and not restricted by the context, includes the District of Columbia and the several territories, and the words "United States" also include the said district and territories. See West Virginia Code 2-2-10
  • Statute of limitations: A law that sets the time within which parties must take action to enforce their rights.
  • Summons: Another word for subpoena used by the criminal justice system.
  • Trial: A hearing that takes place when the defendant pleads "not guilty" and witnesses are required to come to court to give evidence.