West Virginia Code § 33-5-13

Contingent liability of mutual members
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(a) Each member of a domestic mutual insurer shall, except as otherwise hereinafter
provided with respect to nonassessable policies, have a contingent liability, pro rata and not
one for another, for the discharge of its obligations, which contingent liability shall be in
such maximum amount as is stated in the insurer's articles of incorporation.
(b) Each policy issued by the insurer shall contain a statement of the contingent liability, if
any, of its members.
(c) Termination of the policy of any such member shall not relievue the member of contingent
liability for his proportion, if any, of the obligations of the insurer which accrued while the
policy was in force.
(d) Unrealized contingent liability of members does noat constitute an asset of the insurer in
any determination of its financial condition.

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