Liability Insurance Policies

What this document is

Code of Virginia Title 38.2 Chapter 22 - Liability Insurance Policies (§§ 38.2-2200 through 38.2-2235, 42 sections) is a state statute published by Virginia General Assembly, Division of Legislative Automated Systems (Virginia Law Portal, law.lis.virginia.gov). It is one of the Virginia documents that insurance license exam questions are written from, including virginia property & casualty, virginia personal lines 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 Sec. 38.2-2204(E) (Endorsement limiting required coverage is void)

  “E. Any endorsement, provision or rider attached to or included in any such policy of insurance which purports or seeks to limit or reduce the coverage afforded by the provisions required by this section shall be void, except an insurer may exclude such coverage as is afforded by this section, where...”

• Va. Code Sec. 38.2-2206(A) (Uninsured motorist coverage; limits and rejection of additional coverage)

  “A. Except as provided in subsection J, no policy or contract of bodily injury or property damage liability insurance relating to the ownership, maintenance, or use of a motor vehicle shall be issued or delivered in this Commonwealth to the owner of such vehicle or shall be issued or delivered by...”

• Va. Code Sec. 38.2-2230 (Mandatory offer of rental reimbursement coverage)

  “Every insurer issuing a new or renewal policy of motor vehicle insurance, as defined in § 38.2-2212, which provides comprehensive or collision coverage, shall offer in writing to the named insured the option of purchasing rental reimbursement coverage.”

• Va. Code Sec. 38.2-2212(D) (Grounds for cancellation of a motor vehicle insurance policy)

  “D. No insurer shall cancel a policy except for one or more of the following reasons: 1. The named insured or any other operator who either resides in the same household or customarily operates a motor vehicle insured under the policy has had his driving privileges suspended or revoked during the...”

• Va. Code Sec. 38.2-2200 (Required provisions as to insolvency or bankruptcy; action against insurer)

  “No policy or contract insuring or indemnifying against liability for injury to or the death of any person, liability for injury to or destruction of property, or liability for injury to the economic interests of any person, shall be issued or delivered in the Commonwealth unless it contains in...”

• Va. Code Sec. 38.2-2229 (Claims-made liability insurance)

  “Pursuant to the authority granted in § 38.2-223, the Commission may issue regulations regarding claims-made liability insurance policies. These regulations may include, but are not limited to, (i) the pricing of extended reporting period coverage, (ii) provisions for installment payment of premiums...”

• Va. Code Sec. 38.2-2207 (No policy to exclude coverage to employee)

  “No policy or contract of bodily injury or property damage liability insurance relating to the ownership, maintenance, or use of a motor vehicle, aircraft or watercraft shall exclude coverage to an employee of the insured in any controversy arising between employees even though one employee shall be...”

• Va. Code Sec. 38.2-2211 (Motor vehicle liability insurer not to receive credit for other medical expense insurance)

  “No policy or contract of bodily injury or property damage liability insurance that contains any representation by an insurer to pay all reasonable medical expenses incurred for bodily injury caused by accident to the insured, relative or any other person coming within the provisions of the policy,...”

• Va. Code Sec. 38.2-2205(A)(1) (Applicability of other valid and collectible insurance)

  “A. 1. Each policy or contract of bodily injury or property damage liability insurance which provides insurance to a named insured in connection with the business of selling, leasing, repairing, servicing, storing or parking motor vehicles, against liability arising from the ownership, maintenance,...”

• Va. Code Sec. 38.2-2210(A) (Warning concerning cancellation to appear on application)

  “A. Any application for the original issuance of a policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle as defined in § 38.2-2212 shall have the following statement printed on or attached to the application, in boldface type: READ YOUR POLICY....”

• Va. Code Sec. 38.2-2226 (Notice to claimant of intention to rely on certain defenses)

  “Whenever any insurer on a policy of liability insurance discovers a breach of the terms or conditions of the insurance contract by the insured, the insurer shall notify the claimant or the claimant's counsel of the breach. Notification shall be given within forty-five days after discovery by the...”

• Va. Code Sec. 38.2-2232(A) (Liability insurance on private pleasure watercraft; optional coverage)

  “A. Every insurer issuing a new or renewal policy or contract covering liability arising from the ownership, maintenance or use of a private pleasure watercraft shall offer, in writing, to the named insured the option of purchasing coverage for damages which the insured is legally entitled to...”

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