West Virginia OIC Insurance Bulletin 24-06 — Use of AI Systems by Insurers (NAIC Model Bulletin adoption)
WV · West Virginia OIC Insurance Bulletin 24-06 (2024-08-09)
The WV Department of Insurance adopted the NAIC Model Bulletin on Use of Artificial Intelligence Systems by Insurers. Insurers licensed in WV must maintain a written AI program with governance, risk-management, testing, third-party-AI oversight, and documentation controls. The bulletin operationalizes existing unfair-trade-practice and unfair-discrimination law as applied to insurers' AI use cases — underwriting, pricing, claims, fraud detection, and marketing.
Technical detail
Adoption of the NAIC Model Bulletin on Use of AI Systems by Insurers. Establishes regulator expectations for insurer AI Systems Programs covering governance/accountability, risk identification/mitigation, model validation/testing for bias and accuracy, third-party AI vendor due diligence, ongoing monitoring, and documentation/recordkeeping sufficient to support regulator examination. Existing statutory authority: state unfair trade practices act, unfair discrimination provisions, market-conduct examination authority.
Who is protected: Consumers, applicants, claimants, and policyholders in WV whose insurance decisions involve insurer AI systems
Who must comply: All insurers licensed to write business in WV (including health, life, P&C, and reinsurance lines)
Key facts
| Jurisdiction | WV |
|---|---|
| Level | State |
| Status | In effect |
| Protection strength | Limited protection |
| Effective date | 2024-08-09 |
| Enacted | 2024-08-09 |
| Citation | West Virginia OIC Insurance Bulletin 24-06 (2024-08-09) |
| Enforced by | WV Department / Division of Insurance |
| Private right of action | No — agency enforcement only |
| Penalties | Standard market-conduct examination findings, corrective action plans, fines under state unfair-trade-practices act |
| Topics | insurance AI · automated decision-making · consumer protection |
| Last verified | 2026-06-16 |
| Official source | NAIC AI Model Bulletin Implementation Map (Apr. 1, 2026) ↗ |
Related insurance AI rules elsewhere
- NAIC AI Model Bulletin (Insurance) · In effect
- Colorado AI Act (repealed) · Repealed / replaced
- SB 26-189 (Colorado ADMT Law) · Enacted (not yet in effect)
- SB 444 (GA AI Insurance Review) · Enacted (not yet in effect)
- SB 1120 (CA Physicians Make Decisions Act) · In effect
- TX SB 815 (No AI-Only Insurance Denials) · In effect
See something wrong or out of date? Submit a correction — every entry must carry a verifiable official source.