(a) The Commissioner of Insurance shall prohibit the use of a certificate of insurance form if the form:(1) Is unfair, misleading, or deceptive, or violates public policy; or(2) Violates any law, including any rule promulgated by the commissioner.(b) A certificate of insurance is not a policy of insurance and does not affirmatively or negatively amend, extend, or alter the coverage afforded by the policy to which the certificate of insurance makes reference. A certificate of insurance does not confer to any person new or additional rights beyond what the referenced policy of insurance expressly provides.
West Virginia Legal Code