West Virginia Code § 33-16-3c

Loss ratio
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If an insurer considers a loss ratio at the time of renewal of a policy, the insurer shall, upon
request of an insured, provide the loss ratio and the components of the loss ratio calculation
to the insured no more than 90 days but no less than 60 days before the renewal date of the
policy. For purposes of this section, "loss ratio" means the total losses paid out in medical
claims divided by the total earned premiums. e
Medical claims do not include dental only or vision only coverage.

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