reglab/housing_qa huggingface dataset:
VA Code § 38.2-303 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-303. Insurable interest required; property insurance

A. No insurance contract on property or on any interest therein or arising therefrom shall be enforceable except for the benefit of persons having an insurable interest in the property insured.B. As used in this section, "insurable interest" means any lawful and substantial economic interest in the safety or preservation of the subject of insurance free from loss, destruction or pecuniary damage.1952, c. 317, § 38.1-331; 1986, c. 562.
VA Code § 38.2-304 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-304. Contracts of temporary insurance; duration; what deemed to include

A. Oral or written binders or other temporary insurance contracts may be made and used for a period not exceeding sixty days pending the issuance of the policy. Unless otherwise provided, oral or written binders or other temporary insurance contracts shall be deemed to include the usual provisions, stipulations and agreements which are commonly used in this Commonwealth in effecting the class of insurance being written.B. This section shall not apply to:1. Binders or other contracts referred to in §§ 38.2-2112 and 38.2-4605;2. Conditional receipts issued by life insurers; or3. Group insurance policies.Code 1950, § 38-181; 1952, c. 317, § 38.2-332; 1986, c. 562.
VA Code § 38.2-306 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-306. Additional contents

A policy or contract may contain additional provisions that are not substantially in conflict with this title and that:1. Are required to be inserted by the laws of the insurer's state or country of domicile or of the state or country in which the policy is to be delivered or issued for delivery; or2. Are necessary to state the rights and obligations of the parties to the contract because of the manner in which the insurer is constituted or operated.Code 1950, § 38-513; 1952, c. 317, § 38.1-334; 1986, c. 562.
VA Code § 38.2-307 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-307. Charter and bylaw provisions in policies

No policy shall contain any provision purporting to make any portion of the charter, bylaws or other organic law of the insurer, however designated, a part of the contract unless that portion is set out in full in the policy. Any policy provision in violation of this section shall be invalid.1952, c. 317, § 38.1-335; 1986, c. 562.
VA Code § 38.2-308 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-308. Contingent liability provisions in policies issued by certain mutual insurers

Except in the case of nonassessable policies, the contingent liability of each member of a mutual insurer, other than a life insurer, shall be clearly stated in the mutual insurer's policies. The contingent liability may be limited, but such limitation shall not be less than one additional annual premium on each policy held by the member.Code 1950, § 38-508; 1952, c. 317, § 38.1-335.1; 1986, c. 562.
VA Code § 38.2-309 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-309. When answers or statements of applicant do not bar recovery on policy

All statements, declarations and descriptions in any application for an insurance policy or for the reinstatement of an insurance policy shall be deemed representations and not warranties. No statement in an application or in any affidavit made before or after loss under the policy shall bar a recovery upon a policy of insurance unless it is clearly proved that such answer or statement was material to the risk when assumed and was untrue.Code 1950, § 38-7; 1952, c. 317, § 38.1-336; 1986, c. 562.
VA Code § 38.2-310 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-310. All fees, charges, etc., to be stated in policy

A. All fees, charges, premiums or other consideration charged for the insurance or for the procurement of insurance shall be stated in the policy except in the case of fidelity, surety, title, and group insurance, and except for consulting services as provided in Article 4 (§ 38.2-1837 et seq.) of Chapter 18 of this title. Except as provided in this subsection, no person shall charge or receive any fee, compensation, or consideration for insurance or for the procurement of insurance that is not included in the premium or stated in the policy.B. Service charges for installment payments of insurance premiums do not need to be stated in the policy if the charges are provided to the insured in writing.Code 1950, § 38-508; 1952, c. 317, § 38.1-337; 1986, c. 562; 1990, c. 281.
VA Code § 38.2-311 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-311. Type size in which conditions and restrictions to be printed

Except as otherwise provided in this title, no restriction, condition or provision in or endorsed on any insurance policy shall be valid unless the condition or provision is printed in type as large as eight point type, or is written in ink or typewritten in or on the policy. This section shall not apply to a copy of an application or parts thereof, attached to or made part of an insurance policy.Code 1950, § 38-9; 1952, c. 317, § 38.1-338; 1986, c. 562.
VA Code § 38.2-312 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-312. Provisions limiting jurisdiction, or requiring construction of contracts by law of other states, prohibited

No insurance contract delivered or issued for delivery in this Commonwealth and covering subjects which are located or residing in this Commonwealth, or which are performed in this Commonwealth shall contain any condition, stipulation or agreement:1. Requiring the contract to be construed according to the laws of any other state or country, except as may be necessary to meet the requirements of the motor vehicle financial responsibility laws of the other state or country; or2. Depriving the courts of this Commonwealth of jurisdiction in actions against the insurer.Any such condition, stipulation or agreement shall be void, but such voiding shall not affect the validity of the remainder of the contract.1952, c. 317, § 38.1-339; 1986, c. 562.
VA Code § 38.2-313 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-313. Where certain contracts deemed made

All insurance contracts on or with respect to the ownership, maintenance or use of property in this Commonwealth shall be deemed to have been made in and shall be construed in accordance with the laws of this Commonwealth.Code 1950, § 38-162; 1952, c. 317, § 38.1-340; 1986, c. 562.
VA Code § 38.2-314 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-314. Limitation of action and proof of loss

No provision in any insurance policy shall be valid if it limits the time within which an action may be brought to less than one year after the loss occurs or the cause of action accrues.If an insurance policy requires a proof of loss, damage or liability to be filed within a specified time, all time consumed in an effort to adjust the claim shall not be considered part of such time.Code 1950, § 38-9; 1952, c. 317, § 38.1-341; 1986, c. 562.
VA Code § 38.2-315 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-315. Intervening breach

If any breach of warranty or condition in any insurance contract covering property located in this Commonwealth occurs prior to a loss under the contract, the breach shall not void the contract nor permit the insurer to avoid liability unless the breach existed at the time of the loss.Code 1950, § 38-8; 1952, c. 317, § 38.1-342; 1986, c. 562.
VA Code § 38.2-318 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-318. Validity of noncomplying forms

A. Any insurance policy or form containing any condition or provision that is not in compliance with this title shall be valid, but shall be construed and applied in accordance with the conditions and provisions required by this title.B. As used in this section, "form" means any contract, rider, endorsement, amendment, certificate, or application or other instrument providing, modifying, or eliminating insurance coverage.1952, c. 317, § 38.1-343; 1986, c. 562.
VA Code § 38.2-319 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-319. Validity of contracts in violation of law

Any insurance contract made in violation of the laws of this Commonwealth may be enforced against the insurer.Code 1950, §§ 38-32, 38-223; 1952, c. 317, § 38.1-344; 1986, c. 562.
VA Code § 38.2-320 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-320. Insurer to furnish forms for proof of loss

Whenever notice of any loss or damage has been given to the insurer or its agent, the insurer shall, upon written request, deliver to the insured or to the person to whom the benefits are payable the forms for such preliminary proof of loss or damage as may be required under the policy. Such forms shall be delivered within fifteen days after written request has been made or mailed to the insurer by the insured or person to whom benefits are payable. The failure or refusal of an insurer or its agent to deliver such forms within fifteen days of written request shall be deemed a waiver of any condition, stipulation or provision in the policy requiring preliminary proof.Code 1950, § 38-11; 1952, c. 317, § 38.1-345; 1986, c. 562.
VA Code § 38.2-321 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-321. Payment discharges insurer

A. An insurer shall be fully discharged from all claims under a life insurance policy, accident and sickness insurance policy, or annuity contract:1. When the proceeds of or payments under a policy or contract become payable in accordance with (i) the terms of the policy or contract or (ii) the exercise of any right or privilege under the contract; and2. If the insurer makes payments in accordance with the terms of the policy or contract or any written assignment to the person designated in the policy or contract or by assignment as being entitled to the proceeds or payments.B. An insurer may not be fully discharged from all claims under a life insurance policy, accident and sickness insurance policy, or annuity contract before payment is made and if the insurer has received, at its home office, written notice that some other person claims to be entitled to payment or some interest in the policy or contract.1952, c. 317, § 38.1-346.1; 1986, c. 562.
VA Code § 38.2-322 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-322. Standardized claims forms

A. No accident and sickness insurer, health maintenance organization, health services plan, or optometric services plan licensed in the Commonwealth shall refuse to accept, as a standard claims form for physician services or for services provided by chiropractors, optometrists, opticians, professional counselors, psychologists, clinical social workers, podiatrists, physical therapists, clinical nurse specialists who render mental health services, audiologists, and speech pathologists, the standardized HCFA-1500 health insurance claims form, or its successor as it may be amended from time to time. However, nothing in this section shall prohibit an insurer, health maintenance organization, health services plan, or optometric services plan from accepting any other claims form.B. No accident and sickness insurer, health maintenance organization, or health services plan licensed in the Commonwealth shall refuse to accept as a standard claims form for hospital services the standardized UB-82 claims form, or its successor as it may be amended from time to time. However, nothing in this section shall prohibit an accident and sickness insurer, health maintenance organization, or health services plan from accepting any other claims form.C. No accident and sickness insurer, health maintenance organization, health services plan, or dental services plan licensed in the Commonwealth shall refuse to accept as a standard claims form for dental services the standardized ADA form prepared by the American Dental Association, or its successor as it may be amended from time to time. However, nothing in this section shall prohibit an accident and sickness insurer, health maintenance organization, health services plan, or dental services plan from accepting any other claims form.D. The forms specified in this section may be modified as necessary to accommodate the transmission and administration of claims by electronic means.E. After July 1, 1998, no health maintenance organization authorized to transact business in this Commonwealth and no health insurer, health services plan or preferred provider organization authorized to offer health benefits in this Commonwealth that requires the use of the Physicians' Current Procedural Terminology (CPT) identifying codes published by the American Medical Association for reporting claims for medical services and procedures, including any standardized form, shall refuse to accept and utilize these identifying codes and any appropriate modifiers listed therein when the same are appropriately used for processing such claims for provider services and procedures.1993, c. 307; 1997, c. 531.
VA Code § 38.2-324 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-324. Disclosure of property damage information

Nothing in this title shall prohibit an insurer or its agent from disclosing information obtained from policyholders or other persons regarding claims or reports of property damage resulting from a natural disaster, as defined in clause (ii) of the definition of "disaster" in § 44-146.16, to the Director of the Department of Emergency Management or his designees or other state officials, to federal officials, or to local government officials of the locality where the damage occurred; provided that the disclosures (i) do not identify persons whose property is damaged or the address thereof and (ii) include only aggregated data that relates to the assessment of damage from a natural disaster, including, but not limited to, the number of claims, estimates of the dollar amount of damage, and types of damage, for a specified geographic area, such as a census tract or zip code area.2005, c. 192; 2008, cc. 121, 157.
VA Code § 38.2-326 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 3 - Provisions Relating to Insurance Policies and Contracts|§ 38.2-326. Plan management functions

A. As used in this section:"Exchange" means either the (i) federal health benefit exchange established by the Secretary of the U.S. Department of Health and Human Services pursuant to § 1321 of the Patient Protection and Affordable Care Act codified as 42 U.S.C. § 18041(c) in the Commonwealth or (ii) state-based exchange established pursuant to Chapter 65 (§ 38.2-6500 et seq.) and § 1311(b) of the Patient Protection and Affordable Care Act codified as 42 U.S.C. § 18031."Plan management functions" means analyses and reviews necessary to support the certification, decertification, and recertification of qualified health plans and stand-alone dental plans for the participation in an exchange and the collection of data necessary to perform the above functions.B. The Commission's Bureau of Insurance, with the assistance of the Virginia Department of Health, shall perform plan management functions required to certify health benefit plans and stand-alone dental plans for participation in the exchange, provided that: (i) full funding is available; (ii) the technology infrastructure, including integration with federal, state, and other necessary entities, is made available to the Commission in order for it to carry out the plan management functions authorized in this section; and (iii) there are no other impediments that effectively prevent the Commission from performing any required plan management functions.C. The Commission's Bureau of Insurance may contract and enter into memoranda of understanding to carry out its plan management functions.D. The Commission shall not use any special fund revenues dedicated to its other functions and duties unrelated to exchange operations, including revenues from utility consumer taxes or fees from licensees or registrants regulated by the Commission or fees paid to the Clerk's Office, to fund the plan management functions.E. Technology resources provided by the Commission in carrying out the plan management functions shall be limited to existing Commission technology support functions such as desktop support, network administration support, web services support, or other similar support functions.F. The Commission shall make available to the public on its website a written report on the implementation and performance of its plan management functions during the preceding fiscal year, including, at a minimum, the manner in which all funds utilized for its plan management functions were expended.2013, cc. 670, 679; 2020, cc. 916, 917.
VA Code § 38.2-400 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 4 - Assessment for Administration of Insurance Laws and Declarations of Estimated Assessments by Insurers|§ 38.2-400. Expense of administration of insurance laws borne by licensees; minimum contribution

A. The expense of maintaining the Bureau of the Commission responsible for administering the insurance laws of this Commonwealth, including a reasonable margin in the nature of a reserve fund, shall be assessed annually by the Commission against all companies and surplus lines brokers subject to this title except premium finance companies and providers of continuing care registered pursuant to Chapter 49 (§ 38.2-4900 et seq.) of this title. The assessment shall be in proportion to the direct gross premium income on business done in this Commonwealth. The assessment shall not exceed one-tenth of one percent of the direct gross premium income and shall be levied pursuant to § 38.2-403. For any year a company is subject to an assessment, the assessment shall not be less than $300.B. All fees assessed under any provision of this title and paid into the state treasury shall be deposited to a special fund designated "Bureau of Insurance Special Fund -- State Corporation Commission," and out of such special fund and the unexpended balance thereof shall be appropriated the sums necessary for the regulation, supervision and examination of all entities subject to regulation under this title. Any references in the Code of Virginia to funds being paid directly into the state treasury and credited to the fund for the maintenance of the Bureau of Insurance shall hereinafter mean the "Bureau of Insurance Special Fund -- State Corporation Commission."Code 1950, § 38-17; 1952, c. 317, § 38.1-44; 1954, c. 231; 1960, c. 294; 1977, cc. 317, 613; 1978, c. 4; 1981, c. 605; 1986, c. 562; 1987, cc. 558, 565, 655; 1994, c. 316.
VA Code § 38.2-401.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 4 - Assessment for Administration of Insurance Laws and Declarations of Estimated Assessments by Insurers|§ 38.2-401.1. Dam Safety, Flood Prevention and Protection Assistance Fund assessment

The Commission shall annually assess against all licensed insurance companies doing business in this Commonwealth by writing any type of flood insurance an assessment in the amount of one percent of the total direct gross premium income for such insurance. Such assessment shall be apportioned, assessed, and paid as prescribed by § 38.2-403. In any year in which a company has no direct gross premium income from flood insurance or in which its direct gross premium income from flood insurance is insufficient to produce at the rate of assessment prescribed by law an amount equal to or in excess of $100, there shall be so apportioned and assessed against such company a contribution of $100. One hundred percent of the total amount collected annually pursuant to this section shall be paid into the Dam Safety, Flood Prevention and Protection Assistance Fund established per § 10.1-603.17. The assessment established by this section shall not apply to premium income for policies written pursuant to the National Flood Insurance Act of 1968 or for policies providing comprehensive motor vehicle insurance coverage.1990, c. 916; 2006, cc. 648, 765.
VA Code § 38.2-402 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 4 - Assessment for Administration of Insurance Laws and Declarations of Estimated Assessments by Insurers|§ 38.2-402. Definitions

As used in this chapter:"Assessable year" means the calendar year upon which the direct gross premium income is computed under this chapter. In the case of direct gross premium income for a fraction of a calendar year, the term includes the period in which that direct gross premium income is received or derived from business in this Commonwealth."Direct gross premium income" means direct gross premium as defined in § 58.1-2500."License year" means the 12-month period beginning on July 1 next succeeding the assessable year and ending on June 30 of the subsequent year. This shall also be the year in which annual reports of direct gross premium income are required to be filed under § 38.2-406 and the annual assessment paid under the provisions of this chapter.1977, c. 317, §§ 38.1-48.1, 38.1-48.2; 1978, c. 4; 1986, c. 562; 1996, c. 22; 2012, c. 584.
VA Code § 38.2-403 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 4 - Assessment for Administration of Insurance Laws and Declarations of Estimated Assessments by Insurers|§ 38.2-403. Assessment for expenses

The Commission shall assess each company annually for its just share of expenses. The assessment shall be in proportion to direct gross premium income for the year immediately preceding that for which the assessment is made. The Commission shall give the companies notice of the assessment which shall be paid to the Commission on or before March 1 of each year for deposit into the state treasury as provided in subsection B of § 38.2-400. Any company that fails to pay the assessment on or before the date herein prescribed shall be subject to a penalty imposed by the Commission. The penalty shall be ten percent of the assessment and interest shall be charged at a rate pursuant to § 58.1-1812 for the period between the due date and the date of full payment. If a payment is made in an amount later found to be in error, the Commission shall, (i) if an additional amount is due, notify the company of the additional amount and the company shall pay the additional amount within fourteen days of the date of the notice or, (ii) if an overpayment is made, process a refund.Code 1950, § 38-18; 1952, c. 317, § 38.1-45; 1977, c. 317; 1978, c. 4; 1986, c. 562; 1994, c. 316; 2012, c. 584; 2017, c. 39.