{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/22.1-190.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/22.1-190.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/22.1-190.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/22.1-190.html"}],"law_id":70458,"edition_id":1,"section_id":70458,"structure_id":13436,"section_number":"22.1-190","catch_line":"When insurance required and amount thereof","history":"Code 1950, \u00a7 22-285; 1958, c. 301; 1970, c. 681; 1976, c. 224; 1980, c. 559; 2012, c. 593.","full_text":"A\n\nEvery vehicle shall be covered in a policy of liability and property damage insurance issued by an insurance carrier authorized to transact business in this Commonwealth, in the amounts of at least $50,000 for injury, including death, to one person; $500,000 for injury, including death, to all persons injured in any one accident; and $50,000 for damage, including destruction, to the property of any person, other than the insured. In addition, the policy of insurance shall provide coverage for loss or damage caused by an uninsured motorist in accordance with the provisions of § 38.2-2206 and in the amounts required by this section. The policy shall also provide for medical expense payment coverage in the minimum amount of $5,000 for each person injured. Taxicabs providing transportation of students under contract with a school division shall be covered by policies providing coverage of at least $50,000 for injury, including death, to one person; $200,000 for injury, including death, to all persons injured in any one accident; $10,000 for damage, including destruction, to the property of any person other than the insured; and medical expense payment coverage in the minimum amount of $1,000 for each person injured, or in such higher amounts as the contract with the school division or a local ordinance may prescribe.B\n\nThe insurance so effected shall be subject to all laws of this Commonwealth regulating insurance.C\n\nThis insurance shall not be required in cases when pupils are transported on a common carrier if such carrier is covered by a policy of insurance affording substantially the protection required by this article.D\n\nThis insurance shall not be required in cases where pupils are transported in vehicles which are owned or operated by a county, city, town or school board which has qualified for and received a certificate of self-insurance from the Commissioner of the Department of Motor Vehicles, following a certification of financial responsibility equal to that required under subsection A of this section. The Commissioner of the Department of Motor Vehicles may require posting of a bond by a locality or school board as a condition to issuance of a certificate of financial responsibility pursuant to this subsection.","order_by":null,"text":{"0":{"id":254259,"text":"Every vehicle shall be covered in a policy of liability and property damage insurance issued by an insurance carrier authorized to transact business in this Commonwealth, in the amounts of at least $50,000 for injury, including death, to one person; $500,000 for injury, including death, to all persons injured in any one accident; and $50,000 for damage, including destruction, to the property of any person, other than the insured. In addition, the policy of insurance shall provide coverage for loss or damage caused by an uninsured motorist in accordance with the provisions of § 38.2-2206 and in the amounts required by this section. The policy shall also provide for medical expense payment coverage in the minimum amount of $5,000 for each person injured. Taxicabs providing transportation of students under contract with a school division shall be covered by policies providing coverage of at least $50,000 for injury, including death, to one person; $200,000 for injury, including death, to all persons injured in any one accident; $10,000 for damage, including destruction, to the property of any person other than the insured; and medical expense payment coverage in the minimum amount of $1,000 for each person injured, or in such higher amounts as the contract with the school division or a local ordinance may prescribe.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":254260,"text":"The insurance so effected shall be subject to all laws of this Commonwealth regulating insurance.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"C"},"2":{"id":254261,"text":"This insurance shall not be required in cases when pupils are transported on a common carrier if such carrier is covered by a policy of insurance affording substantially the protection required by this article.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B","next_prefix":"D"},"3":{"id":254262,"text":"This insurance shall not be required in cases where pupils are transported in vehicles which are owned or operated by a county, city, town or school board which has qualified for and received a certificate of self-insurance from the Commissioner of the Department of Motor Vehicles, following a certification of financial responsibility equal to that required under subsection A of this section. The Commissioner of the Department of Motor Vehicles may require posting of a bond by a locality or school board as a condition to issuance of a certificate of financial responsibility pursuant to this subsection.","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C"}},"ancestry":[{"id":13436,"edition_id":1,"name":"Insurance Provisions","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13435,"metadata":{},"date_created":"2026-06-26 03:44:53","date_modified":"2026-06-26 03:44:53","permalink":{"id":181323,"object_type":"structure","relational_id":13436,"identifier":"2","token":"22.1\/12\/2","url":"\/22.1\/12\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13435,"edition_id":1,"name":"Pupil Transportation","identifier":"12","label":"chapter","depth":2,"order_by":1,"parent_id":12823,"metadata":{},"date_created":"2026-06-26 03:44:53","date_modified":"2026-06-26 03:44:53","permalink":{"id":181263,"object_type":"structure","relational_id":13435,"identifier":"12","token":"22.1\/12","url":"\/22.1\/12\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12823,"edition_id":1,"name":"Education","identifier":"22.1","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:55","date_modified":"2026-06-26 03:43:55","permalink":{"id":180949,"object_type":"structure","relational_id":12823,"identifier":"22.1","token":"22.1","url":"\/22.1\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":72304,"structure_id":13436,"section_number":"22.1-188","catch_line":"Definitions","url":"\/22.1-188\/","token":"22.1\/12\/2\/22.1-188","metadata":false},{"id":68613,"structure_id":13436,"section_number":"22.1-189","catch_line":"Compliance with article prerequisite to receiving state school funds","url":"\/22.1-189\/","token":"22.1\/12\/2\/22.1-189","metadata":false},{"id":70458,"structure_id":13436,"section_number":"22.1-190","catch_line":"When insurance required and amount thereof","url":"\/22.1-190\/","token":"22.1\/12\/2\/22.1-190","metadata":false},{"id":86541,"structure_id":13436,"section_number":"22.1-191","catch_line":"When Superintendent of Public Instruction to obtain insurance","url":"\/22.1-191\/","token":"22.1\/12\/2\/22.1-191","metadata":false},{"id":79504,"structure_id":13436,"section_number":"22.1-192","catch_line":"Injury and damage covered by policy","url":"\/22.1-192\/","token":"22.1\/12\/2\/22.1-192","metadata":false},{"id":69356,"structure_id":13436,"section_number":"22.1-193","catch_line":"Sufficiency of proof in action on policy; guest doctrine not applicable","url":"\/22.1-193\/","token":"22.1\/12\/2\/22.1-193","metadata":false},{"id":54399,"structure_id":13436,"section_number":"22.1-194","catch_line":"Liability of locality or school board owning or operating vehicle","url":"\/22.1-194\/","token":"22.1\/12\/2\/22.1-194","metadata":false},{"id":69510,"structure_id":13436,"section_number":"22.1-195","catch_line":"Recovery where vehicle operated under contract","url":"\/22.1-195\/","token":"22.1\/12\/2\/22.1-195","metadata":false},{"id":81722,"structure_id":13436,"section_number":"22.1-196","catch_line":"Lapsed insurance","url":"\/22.1-196\/","token":"22.1\/12\/2\/22.1-196","metadata":false},{"id":71372,"structure_id":13436,"section_number":"22.1-197","catch_line":"Distribution of funds when Superintendent effects insurance","url":"\/22.1-197\/","token":"22.1\/12\/2\/22.1-197","metadata":false},{"id":63088,"structure_id":13436,"section_number":"22.1-198","catch_line":"Applicability of article not dependent upon approval of vehicles or allocability of state aid","url":"\/22.1-198\/","token":"22.1\/12\/2\/22.1-198","metadata":false}],"previous_section":{"id":68613,"structure_id":13436,"section_number":"22.1-189","catch_line":"Compliance with article prerequisite to receiving state school funds","url":"\/22.1-189\/","token":"22.1\/12\/2\/22.1-189","metadata":false},"next_section":{"id":86541,"structure_id":13436,"section_number":"22.1-191","catch_line":"When Superintendent of Public Instruction to obtain insurance","url":"\/22.1-191\/","token":"22.1\/12\/2\/22.1-191","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/22.1-190\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 5 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1958, chapter 301; in 1970, chapter 681; in 1976, chapter 224; in 1980, chapter 559; in 2012, chapter 593<\/a>.<\/p>","references":[{"id":65363,"section_number":"22.1-182","catch_line":"Use of school buses for public and commercial purposes","order_by":null,"url":"\/22.1-182\/"},{"id":54399,"section_number":"22.1-194","catch_line":"Liability of locality or school board owning or operating vehicle","order_by":null,"url":"\/22.1-194\/"}],"refers_to":[{"id":76965,"section_number":"38.2-2206","catch_line":"Uninsured motorist insurance coverage","order_by":null,"url":"\/38.2-2206\/"}],"permalink":{"id":181333,"object_type":"law","relational_id":70458,"identifier":"22.1-190","token":"22.1\/12\/2\/22.1-190","url":"\/22.1-190\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/22.1-190\/","token":"22.1\/12\/2\/22.1-190","dublin_core":{"Title":"When insurance required and amount thereof","Type":"Text","Format":"text\/html","Identifier":"\u00a7 22.1-190","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Every vehicle<\/span> shall be covered in a policy of liability and property damage insurance issued by an insurance carrier authorized to transact business in this Commonwealth, in the amounts of at least $50,000 for injury, including death, to one person; $500,000 for injury, including death, to all persons injured in any one accident; and $50,000 for damage, including destruction, to the property of any person, other than the insured. In addition, the policy of insurance shall provide coverage for loss or damage caused by an uninsured motorist in accordance with the provisions of § 38.2-2206<\/a> and in the amounts required by this section. The policy shall also provide for medical expense payment coverage in the minimum amount of $5,000 for each person injured. Taxicabs providing transportation of students under contract<\/span> with a school division shall be covered by policies providing coverage of at least $50,000 for injury, including death, to one person; $200,000 for injury, including death, to all persons injured in any one accident; $10,000 for damage, including destruction, to the property of any person other than the insured; and medical expense payment coverage in the minimum amount of $1,000 for each person injured, or in such higher amounts as the contract<\/span> with the school division or a local ordinance<\/span> may prescribe. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> The insurance so effected shall be subject to all laws<\/span> of this Commonwealth regulating insurance. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> This insurance shall not be required in cases when pupils are transported on a common carrier if such carrier is covered by a policy of insurance affording substantially the protection required by this article. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

D.<\/span> This insurance shall not be required in cases where pupils are transported in vehicles<\/span> which are owned or operated by a county, city, town or school board<\/span> which has qualified for and received a certificate of self-insurance from the Commissioner of the Department<\/span> of Motor Vehicles<\/span>, following a certification of financial responsibility equal to that required under subsection A of this section. The Commissioner of the Department<\/span> of Motor Vehicles<\/span> may require posting of a bond<\/span> by a locality or school board<\/span> as a condition to issuance of a certificate of financial responsibility pursuant to this subsection. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nWHEN INSURANCE REQUIRED AND AMOUNT THEREOF (\u00a7 22.1-190)\n\nA. Every vehicle shall be covered in a policy of liability and property damage\ninsurance issued by an insurance carrier authorized to transact business in this\nCommonwealth, in the amounts of at least $50,000 for injury, including death, to\none person; $500,000 for injury, including death, to all persons injured in any\none accident; and $50,000 for damage, including destruction, to the property of\nany person, other than the insured. In addition, the policy of insurance shall\nprovide coverage for loss or damage caused by an uninsured motorist in\naccordance with the provisions of § 38.2-2206 and in the amounts required\nby this section. The policy shall also provide for medical expense payment\ncoverage in the minimum amount of $5,000 for each person injured. Taxicabs\nproviding transportation of students under contract with a school division shall\nbe covered by policies providing coverage of at least $50,000 for injury,\nincluding death, to one person; $200,000 for injury, including death, to all\npersons injured in any one accident; $10,000 for damage, including destruction,\nto the property of any person other than the insured; and medical expense\npayment coverage in the minimum amount of $1,000 for each person injured, or in\nsuch higher amounts as the contract with the school division or a local\nordinance may prescribe.\n\nB. The insurance so effected shall be subject to all laws of this Commonwealth\nregulating insurance.\n\nC. This insurance shall not be required in cases when pupils are transported on\na common carrier if such carrier is covered by a policy of insurance affording\nsubstantially the protection required by this article.\n\nD. This insurance shall not be required in cases where pupils are transported in\nvehicles which are owned or operated by a county, city, town or school board\nwhich has qualified for and received a certificate of self-insurance from the\nCommissioner of the Department of Motor Vehicles, following a certification of\nfinancial responsibility equal to that required under subsection A of this\nsection. The Commissioner of the Department of Motor Vehicles may require\nposting of a bond by a locality or school board as a condition to issuance of a\ncertificate of financial responsibility pursuant to this subsection.\n\nHISTORY: Code 1950, \u00a7 22-285; 1958, c. 301; 1970, c. 681; 1976, c. 224; 1980,\nc. 559; 2012, c. 593.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}