Riffle v. State Farm Mutual Automobile Insurance

NEELY, Justice:

In this case the Circuit Court of Mason County has certified the following question to us:

Is an insurance carrier obligated to provide underinsurance coverage in the limits of $100,000 per person and $300,-000 per occurrence, on each of four automobile liability insurance policies held by the plaintiffs, when the liability limits on each of the four policies are $25,000 per person and $50,000 per occurrence after the jury has ruled, pursuant to Bias v. Nationwide Mutual Ins. Co., 179 W.Va. 125, 365 S.E.2d 789 (1987), that the plaintiffs did not make a knowing and informed…