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SEARCH BY STATE |
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($ millions) 
 |  Gross state product |
 State |  2005 |  2006 |
| West Virginia | 679 | 750 |
($000) 
 State |  Liability |  Nonliability |  Total incurred losses |
| West Virginia | 37,179 | 51,644 | 88,823 |
($000) 
 State |  Incurred losses |
| West Virginia | 147,125.5 |
($000) 
 State |  No-fault (PIP) |  Physical damage |  Other auto liability |  Total incurred losses |
| West Virginia | 467.4 | 228,662.1 | 355,695.3 | 584,824.8 |
($000) 
 State |  Incurred losses |
| West Virginia | 1,407,312.6 |
($000) 
 State |  Incurred losses |
| West Virginia | 286,930.8 |
($000) 
 |  Annual payroll |
 State |  2006 |  2007 |
| West Virginia | 446,447 | 451,194 |

 |  Number of employees |
 State |  2006 |  2007 |
| West Virginia | 12,456 | 12,364 |
($000) 
 State |  Claims and benefits paid |
| West Virginia | 2,011,445.6 |

 State |  Number of firms |
| West Virginia | 32,669 |

 |  Average expenditure (1) |
 State |  2004 |  2003 |  2002 |
| West Virginia | 875 | 844 | 778 |

 |  2006 |  2005 |  |
 State |  Liability |  Collision |  Compre- hensive |  Average expenditure |  Rank (1) |  Average expenditure |  Rank (1) |  Average expenditure percent change 2005-2006 |
| West Virginia | 510 | 297 | 180 | 827 | 19 | 859 | 15 | -3.7 |

 |  Homeowners |  Renters |  |  Homeowners |  Renters |
 State |  Average premium (1) |  Rank |  Average premium (2) |  Rank |  State |  Average premium (1) |  Rank |  Average premium (2) |  Rank |
| Michigan | 734 | 22 | 173 | 28 | West Virginia | 640 | 35 | 177 | 24 |
($000) 
 State |  Total, all lines |  State |  Total, all lines |
| Michigan | 14,739,781 | West Virginia | 3,003,244 |
($000) 
 |  Private passenger auto |  Commercial auto |  |  |  |
 State |  Liability |  Coll./comp. |  Liability |  Coll./comp. |  Home-owners multiple peril |  Farmowners multiple peril |  Commercial multiple peril |
| West Virginia | 647,655 | 416,663 | 136,059 | 43,351 | 311,734 | 10,469 | 175,293 |
($000) 
 State |  Ocean marine |  Surety |  Fidelity |  Burglary and theft |  Boiler and machinery |  Financial guaranty |  Aircraft |
| West Virginia | 3,783 | 35,708 | 4,600 | 394 | 6,712 | 3,161 | 4,803 |
($000) 
 State |  Earthquake |  Federal flood |  Credit |  Accident and health |  Multiple peril crop |  Mortgage guaranty |  Misc. |
| West Virginia | 1,654 | 11,341 | 2,636 | 22,317 | 1,848 | 18,801 | 7,648 |
($000) 
 State |  Workers compensation |  Medical malpractice |  Products liability |  Other liability |  Fire |  Allied lines |  Inland marine |
| West Virginia | 712,932 | 82,701 | 14,068 | 166,832 | 58,205 | 31,508 | 70,368 |

 |  Number of |  |  |
 State |  Habitational policies |  Commercial policies |  Exposure ($000) |  Direct written premiums ($000) |
| West Virginia | 1,119 | 107 | 42,355 | 721 |
($ millions) 
 State |  Life insurance |  Annuities |  Accident and health insurance (2) |  Deposit-type contract funds |  Other considerations |  Total |
| West Virginia | 590 | 1,068 | 716 | 66 | 358 | 2,798 |
($000) 
 State |  Amount |  State |  Amount |
| Minnesota | 318,179 | West Virginia | 111,176 |

 State |  Voluntary |  Shared market |  Total |  Shared market as a percent of total |
| West Virginia | 1,261,544 | 224 | 1,261,768 | 0.018 |

 State |  Tornadoes |  Fatalities |
| West Virginia | 1 | 0 |
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