{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-124.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-124.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-124.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-124.html"}],"law_id":66976,"edition_id":1,"section_id":66976,"structure_id":13746,"section_number":"38.2-124","catch_line":"Motor vehicle","history":"1952, c. 317, \u00a7 38.1-21; 1956, c. 678; 1962, c. 253; 1983, c. 448; 1984, c. 311; 1986, c. 562; 1991, c. 4; 1996, c. 276.","full_text":"A\n\n“Motor vehicle insurance” means insurance against:1\n\nLoss of or damage to motor vehicles, including trailers, semitrailers or other attachments designed for use in connection with motor vehicles, resulting from any cause, and against legal liability of the insured for loss or damage to the property of another resulting from the ownership, maintenance or use of motor vehicles and against loss, damage or expense incident to a claim of such liability; or2\n\nLegal liability of the insured, and liability arising under subsection A of § 38.2-2206 and against loss, damage, or expense incident to a claim of such liability, arising out of the death or injury of any person resulting from the ownership, maintenance or use of motor vehicles. Motor vehicle insurance does not include any class of insurance specified in § 38.2-119.B\n\nAny policy of “motor vehicle insurance” covering legal liability of the insured under subdivision 2 of subsection A and covering liability arising under subsection A of § 38.2-2206 may include appropriate provisions obligating the insurer to pay to the covered injured person medical expense and loss of income benefits arising out of the death or injury of any person, as set forth in subsection A of § 38.2-2201. Any such policy of motor vehicle insurance may include appropriate provisions obligating the insurer to pay weekly indemnity or other specific benefits to persons who are injured and specific death benefits to dependents, beneficiaries or personal representatives of persons who are killed, if the injury or death is caused by accident and sustained while in or upon, entering or alighting from, or through being struck by a motor vehicle while not occupying a motor vehicle. These provisions shall obligate the insurer to make payment regardless of any legal liability of the insured or any other person.","order_by":null,"text":{"0":{"id":242787,"text":"“Motor vehicle insurance” means insurance against:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":242788,"text":"Loss of or damage to motor vehicles, including trailers, semitrailers or other attachments designed for use in connection with motor vehicles, resulting from any cause, and against legal liability of the insured for loss or damage to the property of another resulting from the ownership, maintenance or use of motor vehicles and against loss, damage or expense incident to a claim of such liability; or","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":242789,"text":"Legal liability of the insured, and liability arising under subsection A of § 38.2-2206 and against loss, damage, or expense incident to a claim of such liability, arising out of the death or injury of any person resulting from the ownership, maintenance or use of motor vehicles. Motor vehicle insurance does not include any class of insurance specified in § 38.2-119.","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"B"},"3":{"id":242790,"text":"Any policy of “motor vehicle insurance” covering legal liability of the insured under subdivision 2 of subsection A and covering liability arising under subsection A of § 38.2-2206 may include appropriate provisions obligating the insurer to pay to the covered injured person medical expense and loss of income benefits arising out of the death or injury of any person, as set forth in subsection A of § 38.2-2201. Any such policy of motor vehicle insurance may include appropriate provisions obligating the insurer to pay weekly indemnity or other specific benefits to persons who are injured and specific death benefits to dependents, beneficiaries or personal representatives of persons who are killed, if the injury or death is caused by accident and sustained while in or upon, entering or alighting from, or through being struck by a motor vehicle while not occupying a motor vehicle. These provisions shall obligate the insurer to make payment regardless of any legal liability of the insured or any other person.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A2"}},"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' liability","url":"\/38.2-119\/","token":"38.2\/1\/2\/38.2-119","metadata":false},{"id":60879,"structure_id":13746,"section_number":"38.2-120","catch_line":"Fidelity","url":"\/38.2-120\/","token":"38.2\/1\/2\/38.2-120","metadata":false},{"id":82253,"structure_id":13746,"section_number":"38.2-121","catch_line":"Surety","url":"\/38.2-121\/","token":"38.2\/1\/2\/38.2-121","metadata":false},{"id":82832,"structure_id":13746,"section_number":"38.2-122","catch_line":"Credit","url":"\/38.2-122\/","token":"38.2\/1\/2\/38.2-122","metadata":false},{"id":69638,"structure_id":13746,"section_number":"38.2-122.1","catch_line":"Credit involuntary unemployment insurance","url":"\/38.2-122.1\/","token":"38.2\/1\/2\/38.2-122.1","metadata":false},{"id":69580,"structure_id":13746,"section_number":"38.2-122.2","catch_line":"Credit property 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":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},"next_section":{"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},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-124\/","history_text":"

This law was first created in 1952. The record of its establishment is cataloged in chapter 317 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1952 \u201cActs\u201d aren\u2019t available online. It has been modified 7 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 1956, chapter 678; in 1962, chapter 253; in 1983, chapter 448; in 1984, chapter 311; in 1986, chapter 562; in 1991, chapter 4; in 1996, chapter 276<\/a>.<\/p>","references":[{"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":75949,"section_number":"38.2-1102","catch_line":"Application for license; limitations on authority","order_by":null,"url":"\/38.2-1102\/"},{"id":67482,"section_number":"38.2-1800","catch_line":"Definitions","order_by":null,"url":"\/38.2-1800\/"},{"id":58116,"section_number":"38.2-1837","catch_line":"Definitions","order_by":null,"url":"\/38.2-1837\/"},{"id":63256,"section_number":"38.2-1857.1","catch_line":"Property and casualty insurance agents may be licensed as surplus lines brokers for certain insurance from eligible nonadmitted insurers","order_by":null,"url":"\/38.2-1857.1\/"},{"id":74191,"section_number":"38.2-1902","catch_line":"Scope of chapter","order_by":null,"url":"\/38.2-1902\/"},{"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":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":66062,"section_number":"38.2-414","catch_line":"Assessments to fund program to reduce losses from motor vehicle thefts","order_by":null,"url":"\/38.2-414\/"},{"id":61655,"section_number":"38.2-415","catch_line":"Assessment to fund program to reduce losses from insurance fraud","order_by":null,"url":"\/38.2-415\/"},{"id":58581,"section_number":"38.2-4805.2","catch_line":"Definitions","order_by":null,"url":"\/38.2-4805.2\/"},{"id":66131,"section_number":"38.2-5020","catch_line":"Assessments","order_by":null,"url":"\/38.2-5020\/"},{"id":73362,"section_number":"46.2-464","catch_line":"Application for assignment of risk to insurance carrier","order_by":null,"url":"\/46.2-464\/"},{"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":64445,"section_number":"52-36","catch_line":"Definitions","order_by":null,"url":"\/52-36\/"},{"id":68393,"section_number":"59.1-207.5:1","catch_line":"Sale or installation of motor vehicle glass; prohibited conduct","order_by":null,"url":"\/59.1-207.5_1\/"},{"id":62732,"section_number":"8.01-413.01","catch_line":"Authenticity and reasonableness of medical bills; presumption","order_by":null,"url":"\/8.01-413.01\/"},{"id":76159,"section_number":"8.01-66","catch_line":"Recovery of damages for loss of use of vehicle","order_by":null,"url":"\/8.01-66\/"},{"id":62701,"section_number":"8.01-66.1","catch_line":"Remedy for arbitrary refusal of motor vehicle insurance claim","order_by":null,"url":"\/8.01-66.1\/"}],"refers_to":[{"id":82480,"section_number":"38.2-2201","catch_line":"Provisions for payment of medical expense and loss of income benefits; assignment of certain benefits","order_by":null,"url":"\/38.2-2201\/"},{"id":76965,"section_number":"38.2-2206","catch_line":"Uninsured motorist insurance coverage","order_by":null,"url":"\/38.2-2206\/"}],"permalink":{"id":210793,"object_type":"law","relational_id":66976,"identifier":"38.2-124","token":"38.2\/1\/2\/38.2-124","url":"\/38.2-124\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-124\/","token":"38.2\/1\/2\/38.2-124","dublin_core":{"Title":"Motor vehicle","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-124","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> “Motor vehicle insurance<\/span>” means insurance against: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Loss of or damage to motor vehicles, including trailers, semitrailers or other attachments<\/span> designed for use in connection with motor vehicles, resulting from any cause, and against legal liability of the insured for loss or damage to the property of another resulting from the ownership, maintenance or use of motor vehicles and against loss, damage or expense incident to a claim of such liability; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Legal liability of the insured, and liability arising under subsection A of § 38.2-2206<\/a> and against loss, damage, or expense incident to a claim of such liability, arising out of the death or injury of any person<\/span> resulting from the ownership, maintenance or use of motor vehicles. Motor vehicle insurance<\/span> does not include any class of insurance specified in § 38.2-119<\/a>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> Any policy of “motor vehicle insurance<\/span>” covering legal liability of the insured under subdivision 2 of subsection A and covering liability arising under subsection A of § 38.2-2206<\/a> may include appropriate provisions obligating the insurer<\/span> to pay to the covered injured person<\/span> medical expense and loss of income benefits arising out of the death or injury of any person<\/span>, as set forth in subsection A of § 38.2-2201<\/a>. Any such policy of motor vehicle insurance<\/span> may include appropriate provisions obligating the insurer<\/span> to pay weekly indemnity or other specific benefits to persons<\/span> who are injured and specific death benefits to dependents, beneficiaries or personal representatives of persons<\/span> who are killed, if the injury or death is caused by accident and sustained while in or upon, entering or alighting from, or through being struck by a motor vehicle while not occupying a motor vehicle. These provisions shall obligate the insurer<\/span> to make payment regardless of any legal liability of the insured or any other person<\/span>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nMOTOR VEHICLE (\u00a7 38.2-124)\n\nA. “Motor vehicle insurance” means insurance against:\n\n 1. Loss of or damage to motor vehicles, including trailers, semitrailers or\n other attachments designed for use in connection with motor vehicles,\n resulting from any cause, and against legal liability of the insured for loss\n or damage to the property of another resulting from the ownership, maintenance\n or use of motor vehicles and against loss, damage or expense incident to a\n claim of such liability; or\n\n 2. Legal liability of the insured, and liability arising under subsection A of\n § 38.2-2206 and against loss, damage, or expense incident to a claim of\n such liability, arising out of the death or injury of any person resulting\n from the ownership, maintenance or use of motor vehicles. Motor vehicle\n insurance does not include any class of insurance specified in §\n 38.2-119.\n\nB. Any policy of “motor vehicle insurance” covering legal liability\nof the insured under subdivision 2 of subsection A and covering liability\narising under subsection A of § 38.2-2206 may include appropriate\nprovisions obligating the insurer to pay to the covered injured person medical\nexpense and loss of income benefits arising out of the death or injury of any\nperson, as set forth in subsection A of § 38.2-2201. Any such policy of\nmotor vehicle insurance may include appropriate provisions obligating the\ninsurer to pay weekly indemnity or other specific benefits to persons who are\ninjured and specific death benefits to dependents, beneficiaries or personal\nrepresentatives of persons who are killed, if the injury or death is caused by\naccident and sustained while in or upon, entering or alighting from, or through\nbeing struck by a motor vehicle while not occupying a motor vehicle. These\nprovisions shall obligate the insurer to make payment regardless of any legal\nliability of the insured or any other person.\n\nHISTORY: 1952, c. 317, \u00a7 38.1-21; 1956, c. 678; 1962, c. 253; 1983, c. 448;\n1984, c. 311; 1986, c. 562; 1991, c. 4; 1996, c. 276.","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}}