A policy may contain additional provisions not inconsistent with this chapter and which are:(a) Required to be inserted by the laws of the insurer's domicile;(b) Necessary, because of the manner in which the insurer is constituted or operated, in order to state the rights and obligations of the parties; or(c) Desired by the insurer and not prohibited by law nor in conflict with any provisions required to be included therein and which are considered reasonable and just.
West Virginia Legal Code