Opinion Excerpt

IN THE INTERMEDIATE COURT OF APPEALS OF WEST VIRGINIA TIMOTHY HALL, Complainant Below, Petitioner vs.) No. 25-ICA-94 (W. Va. Off. of the Insurance Commissioner Case Nos. 24-IC- 159993 and -159995) FILED September 30, 2025 NATIONWIDE INSURANCE COMPANY ASHLEY N. DEEM, CHIEF DEPUTY CLERK and MICHAEL