reglab/housing_qa huggingface dataset:
VA Code § 38.2-2205.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2205.1. Suspension of liability coverage at insured's request

A. Each insurer issuing or delivering a policy or contract of motor vehicle insurance that includes coverage for bodily injury or property damage liability arising from the ownership, maintenance or use of any motor vehicle as provided in this chapter, shall suspend any coverage for any motor vehicle at the request of a named insured ordered to military duty outside this Commonwealth, or his personal representative, during any period that the motor vehicle is impounded in a motor vehicle impound lot on a military base of the United States Armed Forces, the Reserves of the United States Armed Forces or the National Guard. However, an insurer may decline to suspend such coverage (i) unless satisfactory evidence of such impoundment is furnished to it, or (ii) if the period for which coverage suspension is requested is less than thirty days. The suspended coverage shall be reinstated upon request of the named insured, or his personal representative, effective not earlier than the receipt of such request by the insurer or any of its authorized representatives.B. Any insurer suspending coverage pursuant to this section shall refund any unearned premium to the named insured, or his personal representative, on a pro rata basis.C. The provisions of this section shall not alter or limit the insured's obligations under Article 8 (§ 46.2-705 et seq.) of Chapter 6 of Title 46.2.1991, c. 699.
VA Code § 38.2-2207 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 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 awarded compensation as provided in Title 65.2.Code 1950, § 38-238; 1952, c. 317, § 38.1-381; 1958, c. 282; 1959, Ex. Sess., cc. 42, 70; 1970, c. 462; 1962, c. 457; 1964, c. 477; 1966, cc. 182, 459; 1968, cc. 199, 721; 1970, c. 494; 1971, Ex. Sess., c. 216; 1973, cc. 225, 390; 1974, c. 87; 1976, cc. 121, 122; 1977, c. 78; 1979, c. 113; 1980, cc. 326, 331; 1981, Sp. Sess., c. 6; 1982, cc. 638, 642; 1984, c. 541; 1985, cc. 39, 325; 1986, c. 562; 1987, c. 519.
VA Code § 38.2-2209 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2209. Motor vehicle liability medical benefit insurer not to retain right of subrogation to recover from third party

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 or any relative or other person coming within the provisions of the policy, shall be issued or delivered by any insurer licensed in this Commonwealth upon any motor vehicle then principally garaged or principally used in this Commonwealth, if the insurer retains the right of subrogation to recover amounts paid on behalf of an injured person under the provision of the policy from any third party.1964, c. 612, § 38.1-381.2; 1986, c. 562.
VA Code § 38.2-2210 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2210. Warning concerning cancellation to appear on application for motor vehicle liability insurance; reason for cancellation or nonrenewal required 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. THE POLICY OF INSURANCE FOR WHICH THIS APPLICATION IS BEING MADE, IF ISSUED, MAY BE CANCELLED WITHOUT CAUSE AT THE OPTION OF THE INSURER AT ANY TIME IN THE FIRST 60 DAYS DURING WHICH IT IS IN EFFECT AND AT ANY TIME THEREAFTER FOR REASONS STATED IN THE POLICY.B. 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 defined in § 38.2-2212 that requires the insured to disclose information as to any previous cancellation or refusal to renew shall also permit the insured to offer or provide a full explanation of the reason for the cancellation or refusal to renew.C. The notice required by this section shall be given by the insurer to any applicant within ten days of the application in the event the applicant is not provided a written copy of the application and the coverage has been bound by such insurer.D. This section shall not apply to the renewal of any policy of insurance.1966, c. 523, § 38.1-381.3; 1986, c. 562; 1988, cc. 655, 665; 2016, c. 558.
VA Code § 38.2-2211 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 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, shall be issued or delivered by any insurer licensed in this Commonwealth upon any motor vehicle then principally garaged or principally used in this Commonwealth, if the policy provides for credit against the medical expense coverage for any other medical expense insurance to which the injured person may be entitled. Nothing in this section allows the injured person to collect more than his actual medical expenses as a result of an accident from any one or any combination of all policies providing motor vehicle medical payment coverage applicable to the accident.1968, c. 759, § 38.1-381.4; 1986, c. 562.
VA Code § 38.2-2212.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2212.1. Powers of Commission; replacement policies

Upon the verified petition of an insurer, where the petitioning insurer proposes to replace all or substantially all of its policies in another insurer, the Commission may relieve the insurer of the requirements of subsection E of § 38.2-2212 and of the mailing requirements of § 38.2-2208, provided the insurer demonstrates to the satisfaction of the Commission that (i) the replacement policy is underwritten by an affiliate insurer under common control with the petitioning insurer; (ii) the replacement policy is substantially similar to the existing policy with the petitioning insurer; (iii) the premium charged for the replacement policy is no greater than that charged by the petitioning insurer for the existing policy; and (iv) the replacement insurer is duly licensed to transact the business of insurance in the Commonwealth of Virginia. The replacement insurer shall retain a copy of any offer of replacement for a period of one year from the expiration of any existing policy that is not replaced. The Commission may further condition any such relief to protect the best interests of the policyholder.1991, c. 215.
VA Code § 38.2-2213 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2213. Discrimination in issuance of motor vehicle insurance

No insurer or agent shall refuse to issue a motor vehicle insurance policy as defined in § 38.2-2212 solely because of any one or more of the following factors: the age, sex, residence, race, color, creed, national origin, ancestry, marital status, sexual orientation, gender identity, status of a person as a foster care provider or a person in foster care, or lawful occupation, including the military service, of the person seeking the coverage. Nothing in this section prohibits any insurer from limiting the issuance of motor vehicle insurance policies to those who are residents of this Commonwealth nor does this section prohibit any insurer from limiting the issuance of motor vehicle insurance policies only to persons engaging in or who have engaged in a particular profession or occupation, or who are members of a particular religious sect. Nothing in this section prohibits any insurer from setting rates in accordance with relevant actuarial data.1976, c. 495, § 38.1-381.6; 1977, c. 181; 1983, c. 61; 1986, c. 562; 2019, c. 334; 2020, c. 1137.
VA Code § 38.2-2213.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2213.1. Certain action prohibited when motor vehicle owner fails to allow access to recorded data from recording device

No insurer or agent shall reduce coverage, increase the insured's premium, apply a surcharge, refuse to apply a discount other than a discount that is based on data recorded by a recording device as defined in § 46.2-1088.6, place in a less favorable tier, refuse to place in the company's best tier, or when there are multiple companies available within a group of insurers, fail to place in the most favorably priced company solely because a motor vehicle owner refuses to allow an insurer access to recorded data as defined in § 46.2-1088.6 from a recording device as defined in § 46.2-1088.6. However, nothing in this section shall prohibit an insurer from charging an actuarially sound rate in accordance with subdivision A 3 of § 38.2-1904.2006, cc. 851, 889.
VA Code § 38.2-2214 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2214. Statement defining rate classifications to be provided by insurer to insured

Any insurer issuing motor vehicle insurance policies as defined in § 38.2-2212, including those policies assigned to any insurer by the Virginia Automobile Insurance Plan, shall provide the named insured with a statement defining his rate classifications. This statement shall be provided at the time of issuance or at the time of renewal if there has been a change in the named insured's rate classification. The statement shall not be considered a part of the policy and shall not be deemed a warranty or representation by the insurer to the insured.The Commission shall approve the form of the statement prior to its use.1977, c. 188, § 38.1-381.7; 1979, c. 4; 1986, c. 562.
VA Code § 38.2-2215 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2215. Failure to issue or failure to renew motor vehicle liability insurance on the basis of a motor vehicle's age prohibited

No insurer or agent shall refuse to issue or fail to renew a policy of motor vehicle liability insurance solely because of the age of the motor vehicle to be insured, provided the motor vehicle is licensed.1978, c. 56, § 38.1-381.8; 1983, c. 61; 1986, c. 562.
VA Code § 38.2-2216 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2216. Medical benefit offset against liability or uninsured motorist coverage prohibited

No policy or contract of bodily injury liability insurance which contains any representation by an insurer to pay medical expenses incurred for bodily injuries caused by an accident to the insured or any relative or any other person coming under the provisions of the policy, shall be issued or delivered by any insurer licensed in this Commonwealth upon any motor vehicle then principally garaged or principally used in this Commonwealth, if the policy contains any provision reducing the amount of damages covered under the liability or uninsured motorist coverages of the policy by the amount of payments made by the insurer under the medical expense or other medical payments coverage of the policy.1984, c. 383, § 38.1-381.9; 1986, c. 562.
VA Code § 38.2-2217.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2217.1. Insurers required to renew motor vehicle liability coverage for vanpools; exceptions

A. As used in this section, "vanpooling" means the type of joint arrangement described in subdivision 5 of § 46.2-2000.1 and § 46.2-1400 where such motor vehicles are used to transport commuters to and from their places of employment on a regular basis. "Motor vehicle" as used in this section shall mean any motor vehicle designed to transport not less than ten nor more than fifteen passengers, including the driver, in fixed seats.B. If an insurer as defined in § 38.2-2212 who issues or renews a policy of motor vehicle liability insurance to an insured who intends to use a vehicle for vanpooling which was not so used at the time the policy was issued or last renewed has received by certified mail thirty days' written notice that the insured intends to use the vehicle for vanpooling, the insurer shall not cancel or refuse to renew a policy of liability insurance coverage for such motor vehicle used in vanpooling as defined in subsection A of this section, except for one or both of the following specified reasons:1. The named insured fails to discharge when due any payment of the premium for the policy or any installment thereof; or2. The driving record of the named insured or any regular driver is such that it substantially increases the risk.C. [Repealed.]1986, c. 612, § 38.1-381.11; 1995, cc. 744, 803; 2002, c. 337.
VA Code § 38.2-2218 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2218. Adoption of standard forms for motor vehicle insurance

The Commission shall prepare a standard form whenever it believes that any form of policy or any form of rider, endorsement, or other supplemental agreement or provision, for use in connection with any contract of motor vehicle insurance to be issued or delivered upon any motor vehicle principally garaged or principally used in this Commonwealth, is so extensively used that a standard form is desirable. The Commission shall file a copy of the standard form in its office and shall provide by order that, at least thirty days after the order, the form shall become a standard form for use by all insurers unless objection to the proposed form is filed with the Commission within twenty days after the entry of the order. The Commission shall mail a copy of its order to all insurers licensed to transact the class of insurance to which the form is applicable, and to all rate service and advisory organizations representing those insurers.Code 1950, §§ 38-240, 38-551; 1952, c. 317, § 38.1-382; 1986, c. 562.
VA Code § 38.2-2219 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2219. Hearing on objections to the form

If any insurer or rate service organization affected by an order entered pursuant to § 38.2-2218 files objections to a proposed standard form within the time prescribed in the Commission's order, the Commission shall rescind the order and shall notify all insurers and rate service organizations affected by the order that on a day specified in the notice, which shall be at least thirty days from the date on which the objections are received, it will hold a public hearing on the adoption of the proposed form, and that at the hearing any person interested may appear and be heard. After the hearing the Commission may by order confirm or amend the proposed form and set a day, at least thirty days after the entry of the order, when the approved form shall become a standard form for use by all insurers. The Commission may by like order refuse to adopt the proposed form.Code 1950, §§ 38-241, 38-552; 1952, c. 317, § 38.1-383; 1986, c. 562.
VA Code § 38.2-2220 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2220. Use of form after adoption

Except as provided in § 38.2-2223, after any standard form is adopted by the Commission, no insurer shall use any form covering substantially the same provisions contained in the standard form unless it is in the precise language of the form filed and adopted by the Commission.Code 1950, §§ 38-240, 38-551; 1952, c. 317, § 38.1-384; 1981, c. 172; 1986, c. 562.
VA Code § 38.2-2221 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2221. Amendment of standard form

The Commission may amend the provisions of any standard form in the manner provided in this chapter for the adoption of a new standard form.Code 1950, §§ 38-242, 38-553; 1952, c. 317, § 38.1-385; 1986, c. 562.
VA Code § 38.2-2222 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2222. Withdrawal of form

Whenever the Commission believes there is no further necessity for requiring the use of any standard form adopted under the provisions of this chapter, it may, by order entered of record, withdraw the form, and thereafter its use shall not be required.Code 1950, §§ 38-243, 38-554; 1952, c. 317, § 38.1-386; 1986, c. 562.
VA Code § 38.2-2223 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2223. Variations of, or additions to, form

For the word "company" appearing in any standard form, there may be substituted a more accurate descriptive term for the type of insurer. Additional provisions, other than those in the standard form, or coverages more favorable than those in the standard form, may be used with a standard form by any insurer with the approval of the Commission. However, the Commission shall first determine that the more favorable coverage or the additional provisions are not in conflict or inconsistent with the standard form, the laws of this Commonwealth or any rules and regulations adopted by the Commission.Code 1950, §§ 38-244, 38-555; 1952, c. 317, § 38.1-387; 1981, c. 172; 1986, c. 562; 1994, c. 316.
VA Code § 38.2-2224 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2224. Commission to establish guidelines for filing readable motor vehicle insurance policy forms

The Commission may establish guidelines for the filing of simplified and readable motor vehicle insurance policy forms that are acceptable for issuance. Notwithstanding the provisions of §§ 38.2-2218 through 38.2-2223, an insurer may issue a motor vehicle insurance policy that deviates in language, but not in substance or coverage, from the standard policy form provided for in §§ 38.2-2218 through 38.2-2223, if the deviating policy form is (i) in no respect less favorable to the insured than the standard form, and (ii) approved by the Commission prior to issuance.1977, c. 255, § 38.1-387.1; 1981, c. 172; 1986, c. 562.
VA Code § 38.2-2225 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2225. Sending copies of orders to companies affected

A copy of each order entered by the Commission in accordance with the provisions of this chapter shall be sent to every insurer and rate service organization affected by the order.Code 1950, §§ 38-245, 38-556; 1952, c. 317, § 38.1-388; 1986, c. 562.
VA Code § 38.2-2226 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2226. Insurer to give notice to claimant of intention to rely on certain defenses and of execution of nonwaiver of rights agreement

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 insurer of the breach or of the claim, whichever is later. Whenever, on account of such breach, a nonwaiver of rights agreement is executed by the insurer and the insured, or a reservation of rights letter is sent by the insurer to the insured, notice of such action shall be given to the claimant or the claimant's counsel within forty-five days after that agreement is executed or the letter is sent, or after notice of the claim is received, whichever is later. Failure to give the notice within forty-five days will result in a waiver of the defense based on such breach to the extent of the claim by operation of law.Notwithstanding the provisions of this section, in any claim in which a civil action has been filed by the claimant, the insurer shall give notice of reservation of rights in writing to the claimant, or if the claimant is represented by counsel, to claimant's counsel not less than thirty days prior to the date set for trial of the matter. The court, upon motion of the insurer and for good cause shown, may allow such notice to be given fewer than thirty days prior to the trial date. Failure to give the notice within thirty days of the trial date, or such shorter period as the court may have allowed, shall result in a waiver of the defense based on such breach to the extent of the claim by operation of law.1968, c. 410, § 38.1-389.1; 1986, c. 562; 1997, c. 377; 2001, c. 728.
VA Code § 38.2-2226.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2226.1. Insurer to give notice of settlement of claim

Whenever any insurer on a policy or contract of bodily injury or property damage liability insurance relating to the ownership, maintenance, or use of a motor vehicle compromises, settles and discharges a claim made by a person other than the named insured that arose in connection with a motor vehicle accident involving an automobile covered by such policy or contract, the insurer, upon request by a named insured shall advise every named insured of the compromise, settlement and discharge of the claim.2002, c. 405.
VA Code § 38.2-2227 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2227. Aircraft liability policy not to deny coverage for violation of federal or civil regulations, etc.; permitted exclusions or conditions

No insurance policy issued or delivered in this Commonwealth covering loss, expense, or liability arising out of the loss, maintenance, or use of an aircraft shall act to exclude or deny coverage because the aircraft is operated in violation of federal or civil regulations or any state or local ordinance. This section does not prohibit the use of specific exclusions or conditions in any policy that relates to any of the following:1. Certification of an aircraft in a stated category by the Federal Aviation Administration;2. Certification of a pilot in a stated category by the Federal Aviation Administration;3. Establishing requirements for pilot experience; or4. Restricting the use of the aircraft to the purposes stated in the policy.1970, c. 227, § 38.1-389.2; 1986, c. 562.