Opinion ID: 1059044
Heading Depth: 2
Heading Rank: 1

Heading: Upon request of an insured, each insurer

Text: licensed in this Commonwealth issuing or delivering any policy or contract of bodily injury or property damage liability insurance covering liability arising from the ownership, maintenance or use of any motor vehicle shall provide on payment of the premium, as a minimum coverage (i) to persons occupying the insured motor vehicle; and (ii) to the named insured and, while 2 that “each insurer licensed in this Commonwealth . . . shall provide on payment of the premium, as a minimum coverage . . . [a]ll reasonable and necessary expenses for medical [services].” Code § 38.2-2201(A). The plaintiffs argue that since the Code does not expressly authorize a territorial limitation on coverage, the insurance policies do not provide the statutorily mandated minimum medical expense benefits. Therefore, the plaintiffs contend, the limitations are invalid because they are inconsistent with the statutory requirement. The trial court determined that the territorial limitations were “reasonable”, not in violation of Code § 38.2-2201 and entered final judgment in favor of the insurance companies. We awarded the plaintiffs an appeal. resident of the named insured's household, the spouse and relatives of the named insured while in or upon, entering or alighting from or through being struck by a motor vehicle while not occupying a motor vehicle, the following health care and disability benefits for each accident:
medical, chiropractic, hospital, dental, surgical, ambulance, prosthetic and rehabilitation services, and funeral expenses, resulting from the accident and incurred within three years after the date of the accident, up to $2,000 per person; however, if the insured does not elect to purchase such limit the insurer and insured may agree to any other limit; 3