Liability insurance on motor vehicles, aircraft, and watercraft; standard provisions; "omnibus clause"

What this document is

Code of Virginia s. 38.2-2204: Liability insurance on motor vehicles, aircraft, and watercraft; standard provisions; "omnibus clause" is a state statute published by Virginia Legislative Information System (law.lis.virginia.gov). It is one of the Virginia documents that insurance license exam questions are written from, including virginia property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Va. Code § 38.2-2204(D) (Liability insurance on motor vehicles; standard provisions; omnibus clause)

  “without an endorsement or provision insuring the named insured, and any other person using or responsible for the use of the motor vehicle with the expressed or implied consent of the named insured, against liability for death or injury sustained, or loss or damage incurred within the coverage of...”

• Va. Code Ann. § 38.2-2204(A)

  “shall be construed to include permission or consent of the custodian in the provision requiring permission or consent of the owner.”

• Va. Code Ann. § 38.2-2204(D)

  “without an endorsement or provision insuring the named insured, and any other person using or responsible for the use of the motor vehicle with the expressed or implied consent of the named insured”

• Va. Code Ann. § 38.2-2204(A) and (D) (the same proviso appears in both subsections)

  “Provided that, when one accident or occurrence involves more than one defendant who is covered by the policy, the plaintiff may recover the per person limit of the policy against each such defendant, subject to the per accident or occurrence limit of the policy.”

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More Virginia sources

• Virginia Code s. 38.2-1809 - Records; fiduciary duties of agentsState statute
• Virginia Code s. 38.2-1822 - License required; agentsState statute
• Virginia Code s. 38.2-1826 - Reporting of actions; agentsState statute
• Virginia Code s. 38.2-1831 - Prohibited practices; grounds for license refusal, suspension, or revocationState statute
• Virginia Code s. 38.2-1833 - Appointment of agentsState statute
• Virginia Code s. 38.2-1834 - Termination of agent appointmentState statute
• Virginia Code s. 38.2-1837 - Appointment of agentsState statute
• Virginia Code s. 38.2-1845 - Continuing educationState statute