Opinion ID: 4358554
Heading Depth: 3
Heading Rank: 3

Heading: The risks insured against;

Text: 4. The time the insurance takes effect and, except in the case of group insurance, title insurance, and insurance written under perpetual policies, the period during which the insurance is to continue; 5. A statement of the premium, except in the case of group insurance and title insurance; and 6. The conditions pertaining to the insurance. Va. Code § 38.2–305. 5 5 Minnieland cites to Virginia common law for the essential terms of an insurance contract. See Resp. Br. 20–21; Grp. Hospitalization Med. Serv., Inc. v. Smith, 372 S.E.2d (Continued) 23 Neither party argues that the terms of the CNI policies themselves fail to meet the statutory requirements for insurance contracts. In fact, AUCRA acknowledges that the CNI policies meet Virginia’s requirements. Opening Br. 7 n.3. Construing the CNI policy terms as integrated with those of the RPA, as though the terms of each were written in a single document, Countryside Orthopaedics, 541 S.E.2d at 284, it becomes clear that the contract at issue is an “insurance contract” under Virginia law. Accordingly, the district court properly determined that the RPA is an insurance contract for the purposes of Virginia Code § 38.2–312.