{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-117.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-117.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-117.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-117.html"}],"law_id":83683,"edition_id":1,"section_id":83683,"structure_id":13746,"section_number":"38.2-117","catch_line":"Personal injury liability","history":"Code 1950, \u00a7 38-239; 1952, c. 317, \u00a7 38.1-15; 1986, c. 562.","full_text":"&#8220;Personal injury liability insurance&#8221; means insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the death or injury of any person, or arising out of injury to the economic interests of any person as the result of negligence in rendering expert, fiduciary or professional service, but not including any class of insurance specified in \u00a7 38.2-119.\n\t\tAny policy of personal injury liability insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death or injury of any person, regardless of any legal liability of the insured.","order_by":null,"text":{"0":{"id":299971,"text":"&#8220;Personal injury liability insurance&#8221; means insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the death or injury of any person, or arising out of injury to the economic interests of any person as the result of negligence in rendering expert, fiduciary or professional service, but not including any class of insurance specified in \u00a7 38.2-119.\n\t\tAny policy of personal injury liability insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death or injury of any person, regardless of any legal liability of the insured.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":13746,"edition_id":1,"name":"Insurance Classified and Defined","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13745,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210675,"object_type":"structure","relational_id":13746,"identifier":"2","token":"38.2\/1\/2","url":"\/38.2\/1\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13745,"edition_id":1,"name":"General Provisions","identifier":"1","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210663,"object_type":"structure","relational_id":13745,"identifier":"1","token":"38.2\/1","url":"\/38.2\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":72897,"structure_id":13746,"section_number":"38.2-101","catch_line":"Classification of insurance","url":"\/38.2-101\/","token":"38.2\/1\/2\/38.2-101","metadata":false},{"id":57209,"structure_id":13746,"section_number":"38.2-102","catch_line":"Life","url":"\/38.2-102\/","token":"38.2\/1\/2\/38.2-102","metadata":false},{"id":76182,"structure_id":13746,"section_number":"38.2-103","catch_line":"Credit life","url":"\/38.2-103\/","token":"38.2\/1\/2\/38.2-103","metadata":false},{"id":67449,"structure_id":13746,"section_number":"38.2-104","catch_line":"Industrial life","url":"\/38.2-104\/","token":"38.2\/1\/2\/38.2-104","metadata":false},{"id":57228,"structure_id":13746,"section_number":"38.2-105","catch_line":"Variable life","url":"\/38.2-105\/","token":"38.2\/1\/2\/38.2-105","metadata":false},{"id":62859,"structure_id":13746,"section_number":"38.2-105.1","catch_line":"Modified guaranteed life insurance","url":"\/38.2-105.1\/","token":"38.2\/1\/2\/38.2-105.1","metadata":false},{"id":87220,"structure_id":13746,"section_number":"38.2-106","catch_line":"Annuities","url":"\/38.2-106\/","token":"38.2\/1\/2\/38.2-106","metadata":false},{"id":73424,"structure_id":13746,"section_number":"38.2-106.1","catch_line":"Charitable gift annuities","url":"\/38.2-106.1\/","token":"38.2\/1\/2\/38.2-106.1","metadata":false},{"id":64558,"structure_id":13746,"section_number":"38.2-107","catch_line":"Variable annuity","url":"\/38.2-107\/","token":"38.2\/1\/2\/38.2-107","metadata":false},{"id":56142,"structure_id":13746,"section_number":"38.2-107.1","catch_line":"Modified guaranteed annuity","url":"\/38.2-107.1\/","token":"38.2\/1\/2\/38.2-107.1","metadata":false},{"id":67077,"structure_id":13746,"section_number":"38.2-107.2","catch_line":"Private family leave insurance","url":"\/38.2-107.2\/","token":"38.2\/1\/2\/38.2-107.2","metadata":false},{"id":62263,"structure_id":13746,"section_number":"38.2-108","catch_line":"Credit accident and sickness","url":"\/38.2-108\/","token":"38.2\/1\/2\/38.2-108","metadata":false},{"id":75359,"structure_id":13746,"section_number":"38.2-109","catch_line":"Accident and sickness","url":"\/38.2-109\/","token":"38.2\/1\/2\/38.2-109","metadata":false},{"id":56505,"structure_id":13746,"section_number":"38.2-110","catch_line":"Fire","url":"\/38.2-110\/","token":"38.2\/1\/2\/38.2-110","metadata":false},{"id":73309,"structure_id":13746,"section_number":"38.2-111","catch_line":"Miscellaneous property and casualty","url":"\/38.2-111\/","token":"38.2\/1\/2\/38.2-111","metadata":false},{"id":78163,"structure_id":13746,"section_number":"38.2-112","catch_line":"Water damage","url":"\/38.2-112\/","token":"38.2\/1\/2\/38.2-112","metadata":false},{"id":73509,"structure_id":13746,"section_number":"38.2-113","catch_line":"Burglary and theft","url":"\/38.2-113\/","token":"38.2\/1\/2\/38.2-113","metadata":false},{"id":58243,"structure_id":13746,"section_number":"38.2-114","catch_line":"Glass insurance","url":"\/38.2-114\/","token":"38.2\/1\/2\/38.2-114","metadata":false},{"id":73597,"structure_id":13746,"section_number":"38.2-115","catch_line":"Boiler and machinery","url":"\/38.2-115\/","token":"38.2\/1\/2\/38.2-115","metadata":false},{"id":65377,"structure_id":13746,"section_number":"38.2-116","catch_line":"Animal","url":"\/38.2-116\/","token":"38.2\/1\/2\/38.2-116","metadata":false},{"id":83683,"structure_id":13746,"section_number":"38.2-117","catch_line":"Personal injury liability","url":"\/38.2-117\/","token":"38.2\/1\/2\/38.2-117","metadata":false},{"id":58741,"structure_id":13746,"section_number":"38.2-118","catch_line":"Property damage liability","url":"\/38.2-118\/","token":"38.2\/1\/2\/38.2-118","metadata":false},{"id":80898,"structure_id":13746,"section_number":"38.2-119","catch_line":"Workers' compensation and employers' 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insurance","url":"\/38.2-122.2\/","token":"38.2\/1\/2\/38.2-122.2","metadata":false},{"id":54747,"structure_id":13746,"section_number":"38.2-123","catch_line":"Title","url":"\/38.2-123\/","token":"38.2\/1\/2\/38.2-123","metadata":false},{"id":66976,"structure_id":13746,"section_number":"38.2-124","catch_line":"Motor vehicle","url":"\/38.2-124\/","token":"38.2\/1\/2\/38.2-124","metadata":false},{"id":66153,"structure_id":13746,"section_number":"38.2-125","catch_line":"Aircraft","url":"\/38.2-125\/","token":"38.2\/1\/2\/38.2-125","metadata":false},{"id":63990,"structure_id":13746,"section_number":"38.2-126","catch_line":"Marine","url":"\/38.2-126\/","token":"38.2\/1\/2\/38.2-126","metadata":false},{"id":65571,"structure_id":13746,"section_number":"38.2-127","catch_line":"Legal services insurance","url":"\/38.2-127\/","token":"38.2\/1\/2\/38.2-127","metadata":false},{"id":69932,"structure_id":13746,"section_number":"38.2-128","catch_line":"Mortgage guaranty insurance","url":"\/38.2-128\/","token":"38.2\/1\/2\/38.2-128","metadata":false},{"id":57616,"structure_id":13746,"section_number":"38.2-129","catch_line":"Home protection insurance","url":"\/38.2-129\/","token":"38.2\/1\/2\/38.2-129","metadata":false},{"id":75005,"structure_id":13746,"section_number":"38.2-130","catch_line":"Homeowners insurance","url":"\/38.2-130\/","token":"38.2\/1\/2\/38.2-130","metadata":false},{"id":79979,"structure_id":13746,"section_number":"38.2-131","catch_line":"Farmowners insurance","url":"\/38.2-131\/","token":"38.2\/1\/2\/38.2-131","metadata":false},{"id":60601,"structure_id":13746,"section_number":"38.2-132","catch_line":"Commercial multi-peril insurance","url":"\/38.2-132\/","token":"38.2\/1\/2\/38.2-132","metadata":false},{"id":85493,"structure_id":13746,"section_number":"38.2-133","catch_line":"Contingent and consequential losses","url":"\/38.2-133\/","token":"38.2\/1\/2\/38.2-133","metadata":false},{"id":74943,"structure_id":13746,"section_number":"38.2-134","catch_line":"Definitions to include other insurance of same general kind","url":"\/38.2-134\/","token":"38.2\/1\/2\/38.2-134","metadata":false}],"previous_section":{"id":65377,"structure_id":13746,"section_number":"38.2-116","catch_line":"Animal","url":"\/38.2-116\/","token":"38.2\/1\/2\/38.2-116","metadata":false},"next_section":{"id":58741,"structure_id":13746,"section_number":"38.2-118","catch_line":"Property damage liability","url":"\/38.2-118\/","token":"38.2\/1\/2\/38.2-118","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-117\/","history_text":"<p>The record of this law\u2019s original creation isn\u2019t available online. It has been modified 2 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 1952, chapter 317; in 1986, chapter 562.<\/p>","references":[{"id":72961,"section_number":"19.2-13","catch_line":"Special conservators of the peace; authority; jurisdiction; registration; liability of employers; penalty; report","order_by":null,"url":"\/19.2-13\/"},{"id":72177,"section_number":"32.1-137.7","catch_line":"Definitions","order_by":null,"url":"\/32.1-137.7\/"},{"id":63369,"section_number":"32.1-138.6","catch_line":"Definitions","order_by":null,"url":"\/32.1-138.6\/"},{"id":58741,"section_number":"38.2-118","catch_line":"Property damage liability","order_by":null,"url":"\/38.2-118\/"},{"id":67482,"section_number":"38.2-1800","catch_line":"Definitions","order_by":null,"url":"\/38.2-1800\/"},{"id":69255,"section_number":"38.2-231","catch_line":"Notice of cancellation, refusal to renew, reduction in coverage or increase in premium of certain liability insurance policies","order_by":null,"url":"\/38.2-231\/"},{"id":69385,"section_number":"38.2-235","catch_line":"Liability insurance; carbon monoxide exclusions","order_by":null,"url":"\/38.2-235\/"},{"id":62065,"section_number":"38.2-2503","catch_line":"Classes of insurance that may be written by mutual assessment property and casualty insurers; minimum surplus to policyholders required","order_by":null,"url":"\/38.2-2503\/"},{"id":87324,"section_number":"38.2-2800","catch_line":"Definitions","order_by":null,"url":"\/38.2-2800\/"},{"id":67887,"section_number":"38.2-2900","catch_line":"Definitions","order_by":null,"url":"\/38.2-2900\/"},{"id":65411,"section_number":"38.2-2901","catch_line":"Association activation; members; purpose; determinations by Commission; powers of Association","order_by":null,"url":"\/38.2-2901\/"},{"id":66131,"section_number":"38.2-5020","catch_line":"Assessments","order_by":null,"url":"\/38.2-5020\/"},{"id":61749,"section_number":"46.2-2902","catch_line":"Insurance to be kept in force; amount","order_by":null,"url":"\/46.2-2902\/"},{"id":84219,"section_number":"46.2-649.1","catch_line":"Registration of tow trucks; fees","order_by":null,"url":"\/46.2-649.1\/"},{"id":57617,"section_number":"46.2-684.1","catch_line":"Insurance coverage and proof of insurance for exempted motor vehicles","order_by":null,"url":"\/46.2-684.1\/"},{"id":78335,"section_number":"5.1-88.6","catch_line":"Parachute jump training schools; disclosure of liability insurance coverage; penalty","order_by":null,"url":"\/5.1-88.6\/"}],"refers_to":[{"id":80898,"section_number":"38.2-119","catch_line":"Workers' compensation and employers' liability","order_by":null,"url":"\/38.2-119\/"}],"permalink":{"id":210757,"object_type":"law","relational_id":83683,"identifier":"38.2-117","token":"38.2\/1\/2\/38.2-117","url":"\/38.2-117\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-117\/","token":"38.2\/1\/2\/38.2-117","dublin_core":{"Title":"Personal injury liability","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-117","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>&#8220;Personal injury liability <span class=\"dictionary\">insurance<\/span>&#8221; means <span class=\"dictionary\">insurance<\/span> against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the death or injury of any <span class=\"dictionary\">person<\/span>, or arising out of injury to the economic interests of any <span class=\"dictionary\">person<\/span> as the result of <span class=\"dictionary\">negligence<\/span> in rendering expert, fiduciary or professional service, but not including any class of <span class=\"dictionary\">insurance<\/span> specified in \u00a7&nbsp;<a class=\"law\" title=\"Workers&#039; compensation and employers&#039; liability\" href=\"\/38.2-119\/\">38.2-119<\/a>.\n\t\tAny policy of personal injury liability <span class=\"dictionary\">insurance<\/span> may include appropriate provisions obligating the <span class=\"dictionary\">insurer<\/span> to pay medical, hospital, surgical, and funeral expenses arising out of the death or injury of any <span class=\"dictionary\">person<\/span>, regardless of any legal liability of the insured.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nPERSONAL INJURY LIABILITY (\u00a7 38.2-117)\n\n&#8220;Personal injury liability insurance&#8221; means insurance against legal\nliability of the insured, and against loss, damage or expense incident to a\nclaim of such liability, arising out of the death or injury of any person, or\narising out of injury to the economic interests of any person as the result of\nnegligence in rendering expert, fiduciary or professional service, but not\nincluding any class of insurance specified in \u00a7 38.2-119.\n\t\tAny policy of personal injury liability insurance may include appropriate\nprovisions obligating the insurer to pay medical, hospital, surgical, and\nfuneral expenses arising out of the death or injury of any person, regardless of\nany legal liability of the insured.\n\nHISTORY: Code 1950, \u00a7 38-239; 1952, c. 317, \u00a7 38.1-15; 1986, c. 562.","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}}