W. Va. Code § 17A-6F-9 – Insurable interest.

(a) Notwithstanding any other law, statute, rule, or regulation to the contrary, a peer-to-peer car sharing program has an insurable interest in a shared vehicle during the car sharing period.
(b) Nothing in this section creates liability on a peer-to-peer car sharing program to maintain the coverage mandated by this article.
(c) A peer-to-peer car sharing program may own and maintain as the named insured one or more policies of motor vehicle liability insurance that provides coverage for:
1. (1) Liabilities assumed by the peer-to-peer car sharing program under a peer-to-peer car sharing program agreement;
2. (2) Any liability of the shared vehicle owner;
3. (3) Damage or loss to the shared motor vehicle; or
4. (4) Any liability of the shared vehicle driver.