{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-1902.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-1902.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-1902.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-1902.html"}],"law_id":74191,"edition_id":1,"section_id":74191,"structure_id":13456,"section_number":"38.2-1902","catch_line":"Scope of chapter","history":"1973, c. 504, \u00a7 38.1-279.31; 1976, c. 636; 1981, c. 530; 1986, c. 562; 1987, c. 519; 1993, cc. 774, 985; 1995, cc. 744, 803; 2000, c. 526; 2002, c. 145; 2022, c. 180.","full_text":"A\n\nExcept as provided in subsection B, this chapter applies to the classes of insurance defined in §§ 38.2-110 through 38.2-122, 38.2-124 through 38.2-128 and 38.2-130 through 38.2-133.B\n\nThis chapter does not apply to:1\n\nInsurance written through the Virginia Workers’ Compensation Plan pursuant to Chapter 20 (§ 38.2-2000 et seq.) of this title;2\n\nInsurance on a specific risk as provided in § 38.2-1920;3\n\nReinsurance, other than joint reinsurance, to the extent stated in § 38.2-1915;4\n\nLife insurance as defined in § 38.2-102;5\n\nAnnuities as defined in §§ 38.2-106 and 38.2-107;6\n\nAccident and sickness insurance as defined in § 38.2-109;7\n\nTitle insurance as defined in § 38.2-123;8\n\nInsurance of vessels or craft used primarily in a trade or business, their cargoes, marine builders’ risks and marine protection and indemnity;9\n\nInsurance against loss of or damage to hulls of aircraft, including their accessories and equipment, or against liability, other than workers’ compensation and employers’ liability, arising out of the ownership, maintenance or use of aircraft;10\n\nInsurance written through the Virginia Automobile Insurance Plan. However, § 38.2-1905 shall apply to insurance written through the Plan;11\n\nInsurance provided pursuant to Chapter 27 (§ 38.2-2700 et seq.);12\n\nHome protection contracts as defined by § 38.2-2600 and their rates until such time as the Commission determines there is sufficient competition in the industry as provided by § 38.2-2608.C\n\nThis chapter shall not apply to any class of insurance written (i) by any mutual assessment property and casualty insurance company organized and operating under the laws of this Commonwealth and doing business only in this Commonwealth or (ii) by any mutual insurance company or association organized under the laws of this Commonwealth, conducting business only in this Commonwealth, and issuing only policies providing for perpetual insurance.","order_by":null,"text":{"0":{"id":266753,"text":"Except as provided in subsection B, this chapter applies to the classes of insurance defined in §§ 38.2-110 through 38.2-122, 38.2-124 through 38.2-128 and 38.2-130 through 38.2-133.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":266754,"text":"This chapter does not apply to:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"B1"},"2":{"id":266755,"text":"Insurance written through the Virginia Workers’ Compensation Plan pursuant to Chapter 20 (§ 38.2-2000 et seq.) of this title;","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"3":{"id":266756,"text":"Insurance on a specific risk as provided in § 38.2-1920;","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1","next_prefix":"B3"},"4":{"id":266757,"text":"Reinsurance, other than joint reinsurance, to the extent stated in § 38.2-1915;","type":"section","prefixes":["B","3"],"prefix":"3","entire_prefix":"B3","prefix_anchor":"B3","level":2,"prior_prefix":"B2","next_prefix":"B4"},"5":{"id":266758,"text":"Life insurance as defined in § 38.2-102;","type":"section","prefixes":["B","4"],"prefix":"4","entire_prefix":"B4","prefix_anchor":"B4","level":2,"prior_prefix":"B3","next_prefix":"B5"},"6":{"id":266759,"text":"Annuities as defined in §§ 38.2-106 and 38.2-107;","type":"section","prefixes":["B","5"],"prefix":"5","entire_prefix":"B5","prefix_anchor":"B5","level":2,"prior_prefix":"B4","next_prefix":"B6"},"7":{"id":266760,"text":"Accident and sickness insurance as defined in § 38.2-109;","type":"section","prefixes":["B","6"],"prefix":"6","entire_prefix":"B6","prefix_anchor":"B6","level":2,"prior_prefix":"B5","next_prefix":"B7"},"8":{"id":266761,"text":"Title insurance as defined in § 38.2-123;","type":"section","prefixes":["B","7"],"prefix":"7","entire_prefix":"B7","prefix_anchor":"B7","level":2,"prior_prefix":"B6","next_prefix":"B8"},"9":{"id":266762,"text":"Insurance of vessels or craft used primarily in a trade or business, their cargoes, marine builders’ risks and marine protection and indemnity;","type":"section","prefixes":["B","8"],"prefix":"8","entire_prefix":"B8","prefix_anchor":"B8","level":2,"prior_prefix":"B7","next_prefix":"B9"},"10":{"id":266763,"text":"Insurance against loss of or damage to hulls of aircraft, including their accessories and equipment, or against liability, other than workers’ compensation and employers’ liability, arising out of the ownership, maintenance or use of aircraft;","type":"section","prefixes":["B","9"],"prefix":"9","entire_prefix":"B9","prefix_anchor":"B9","level":2,"prior_prefix":"B8","next_prefix":"B10"},"11":{"id":266764,"text":"Insurance written through the Virginia Automobile Insurance Plan. However, § 38.2-1905 shall apply to insurance written through the Plan;","type":"section","prefixes":["B","10"],"prefix":"10","entire_prefix":"B10","prefix_anchor":"B10","level":2,"prior_prefix":"B9","next_prefix":"B11"},"12":{"id":266765,"text":"Insurance provided pursuant to Chapter 27 (§ 38.2-2700 et seq.);","type":"section","prefixes":["B","11"],"prefix":"11","entire_prefix":"B11","prefix_anchor":"B11","level":2,"prior_prefix":"B10","next_prefix":"B12"},"13":{"id":266766,"text":"Home protection contracts as defined by § 38.2-2600 and their rates until such time as the Commission determines there is sufficient competition in the industry as provided by § 38.2-2608.","type":"section","prefixes":["B","12"],"prefix":"12","entire_prefix":"B12","prefix_anchor":"B12","level":2,"prior_prefix":"B11","next_prefix":"C"},"14":{"id":266767,"text":"This chapter shall not apply to any class of insurance written (i) by any mutual assessment property and casualty insurance company organized and operating under the laws of this Commonwealth and doing business only in this Commonwealth or (ii) by any mutual insurance company or association organized under the laws of this Commonwealth, conducting business only in this Commonwealth, and issuing only policies providing for perpetual insurance.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B12"}},"ancestry":[{"id":13456,"edition_id":1,"name":"Regulation of Rates Generally","identifier":"19","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:55","date_modified":"2026-06-26 03:44:55","permalink":{"id":212945,"object_type":"structure","relational_id":13456,"identifier":"19","token":"38.2\/19","url":"\/38.2\/19\/","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":66229,"structure_id":13456,"section_number":"38.2-1900","catch_line":"Purposes of chapter","url":"\/38.2-1900\/","token":"38.2\/19\/38.2-1900","metadata":false},{"id":57539,"structure_id":13456,"section_number":"38.2-1901","catch_line":"Definitions","url":"\/38.2-1901\/","token":"38.2\/19\/38.2-1901","metadata":false},{"id":74191,"structure_id":13456,"section_number":"38.2-1902","catch_line":"Scope of chapter","url":"\/38.2-1902\/","token":"38.2\/19\/38.2-1902","metadata":false},{"id":70651,"structure_id":13456,"section_number":"38.2-1903","catch_line":"Exemptions","url":"\/38.2-1903\/","token":"38.2\/19\/38.2-1903","metadata":false},{"id":86657,"structure_id":13456,"section_number":"38.2-1903.1","catch_line":"Exemptions of large commercial risks","url":"\/38.2-1903.1\/","token":"38.2\/19\/38.2-1903.1","metadata":false},{"id":68129,"structure_id":13456,"section_number":"38.2-1904","catch_line":"Rate standards","url":"\/38.2-1904\/","token":"38.2\/19\/38.2-1904","metadata":false},{"id":57802,"structure_id":13456,"section_number":"38.2-1905","catch_line":"Motor vehicle insurer not to charge points or increase premiums in certain instances","url":"\/38.2-1905\/","token":"38.2\/19\/38.2-1905","metadata":false},{"id":80697,"structure_id":13456,"section_number":"38.2-1905.1","catch_line":"Repealed","url":"\/38.2-1905.1\/","token":"38.2\/19\/38.2-1905.1","metadata":false},{"id":70804,"structure_id":13456,"section_number":"38.2-1906","catch_line":"Filing and use of rates","url":"\/38.2-1906\/","token":"38.2\/19\/38.2-1906","metadata":false},{"id":54809,"structure_id":13456,"section_number":"38.2-1906.1","catch_line":"Misquote of premium","url":"\/38.2-1906.1\/","token":"38.2\/19\/38.2-1906.1","metadata":false},{"id":67605,"structure_id":13456,"section_number":"38.2-1907","catch_line":"Filings open to inspection","url":"\/38.2-1907\/","token":"38.2\/19\/38.2-1907","metadata":false},{"id":61334,"structure_id":13456,"section_number":"38.2-1908","catch_line":"Rate making and delegation of filing obligation","url":"\/38.2-1908\/","token":"38.2\/19\/38.2-1908","metadata":false},{"id":76329,"structure_id":13456,"section_number":"38.2-1909","catch_line":"Review of rates by Commission","url":"\/38.2-1909\/","token":"38.2\/19\/38.2-1909","metadata":false},{"id":64325,"structure_id":13456,"section_number":"38.2-1910","catch_line":"Disapproval of rates","url":"\/38.2-1910\/","token":"38.2\/19\/38.2-1910","metadata":false},{"id":63878,"structure_id":13456,"section_number":"38.2-1911","catch_line":"Special restrictions on individual insurers","url":"\/38.2-1911\/","token":"38.2\/19\/38.2-1911","metadata":false},{"id":77322,"structure_id":13456,"section_number":"38.2-1912","catch_line":"Delayed effect of rates; certification of reinsurance with affiliated company","url":"\/38.2-1912\/","token":"38.2\/19\/38.2-1912","metadata":false},{"id":76016,"structure_id":13456,"section_number":"38.2-1912.1","catch_line":"Approval of prospective loss costs and supplementary rate information; \u00a7 38.2-119 rate filings","url":"\/38.2-1912.1\/","token":"38.2\/19\/38.2-1912.1","metadata":false},{"id":73514,"structure_id":13456,"section_number":"38.2-1913","catch_line":"Operation and control of rate service organizations","url":"\/38.2-1913\/","token":"38.2\/19\/38.2-1913","metadata":false},{"id":68776,"structure_id":13456,"section_number":"38.2-1914","catch_line":"Licensing of rate service organizations","url":"\/38.2-1914\/","token":"38.2\/19\/38.2-1914","metadata":false},{"id":77780,"structure_id":13456,"section_number":"38.2-1915","catch_line":"Joint underwriting or joint reinsurance organizations","url":"\/38.2-1915\/","token":"38.2\/19\/38.2-1915","metadata":false},{"id":82148,"structure_id":13456,"section_number":"38.2-1916","catch_line":"Certain conduct by insurers and rate service organizations prohibited","url":"\/38.2-1916\/","token":"38.2\/19\/38.2-1916","metadata":false},{"id":75759,"structure_id":13456,"section_number":"38.2-1916.1","catch_line":"Investigation by Attorney General of suspected violations; investigative demand to witnesses; access to business records, etc.; penalties","url":"\/38.2-1916.1\/","token":"38.2\/19\/38.2-1916.1","metadata":false},{"id":54431,"structure_id":13456,"section_number":"38.2-1916.2","catch_line":"Penalties; injunctive relief; restitution","url":"\/38.2-1916.2\/","token":"38.2\/19\/38.2-1916.2","metadata":false},{"id":64311,"structure_id":13456,"section_number":"38.2-1917","catch_line":"Injunctive relief","url":"\/38.2-1917\/","token":"38.2\/19\/38.2-1917","metadata":false},{"id":64825,"structure_id":13456,"section_number":"38.2-1918","catch_line":"Agreements for equitable apportionment of insurance","url":"\/38.2-1918\/","token":"38.2\/19\/38.2-1918","metadata":false},{"id":62231,"structure_id":13456,"section_number":"38.2-1919","catch_line":"Collection of experience data; uniformity; compilations available to insurers and rate service organizations","url":"\/38.2-1919\/","token":"38.2\/19\/38.2-1919","metadata":false},{"id":72323,"structure_id":13456,"section_number":"38.2-1919.1","catch_line":"Interchange of rating data and information","url":"\/38.2-1919.1\/","token":"38.2\/19\/38.2-1919.1","metadata":false},{"id":60173,"structure_id":13456,"section_number":"38.2-1920","catch_line":"Excess rate for a specific risk","url":"\/38.2-1920\/","token":"38.2\/19\/38.2-1920","metadata":false},{"id":81510,"structure_id":13456,"section_number":"38.2-1921","catch_line":"Combination policies","url":"\/38.2-1921\/","token":"38.2\/19\/38.2-1921","metadata":false},{"id":61464,"structure_id":13456,"section_number":"38.2-1921.1","catch_line":"Professional employer organization workers' compensation rating","url":"\/38.2-1921.1\/","token":"38.2\/19\/38.2-1921.1","metadata":false},{"id":54416,"structure_id":13456,"section_number":"38.2-1922","catch_line":"No rule prohibiting or regulating payment of dividends, etc., to be adopted","url":"\/38.2-1922\/","token":"38.2\/19\/38.2-1922","metadata":false},{"id":73419,"structure_id":13456,"section_number":"38.2-1923","catch_line":"Person aggrieved by application of rating system to be heard; appeal to Commission","url":"\/38.2-1923\/","token":"38.2\/19\/38.2-1923","metadata":false},{"id":56103,"structure_id":13456,"section_number":"38.2-1924","catch_line":"Cooperation among rate service organizations, or among rate service organizations and insurers, authorized; review by Commission","url":"\/38.2-1924\/","token":"38.2\/19\/38.2-1924","metadata":false},{"id":77979,"structure_id":13456,"section_number":"38.2-1925","catch_line":"Examination of rate service organizations and joint underwriting and joint reinsurance organizations","url":"\/38.2-1925\/","token":"38.2\/19\/38.2-1925","metadata":false},{"id":67284,"structure_id":13456,"section_number":"38.2-1926","catch_line":"Action of Commission upon request for hearing on order or decision made without a hearing","url":"\/38.2-1926\/","token":"38.2\/19\/38.2-1926","metadata":false},{"id":62597,"structure_id":13456,"section_number":"38.2-1927","catch_line":"Withholding information; giving false or misleading information","url":"\/38.2-1927\/","token":"38.2\/19\/38.2-1927","metadata":false},{"id":73884,"structure_id":13456,"section_number":"38.2-1928","catch_line":"Violations of chapter","url":"\/38.2-1928\/","token":"38.2\/19\/38.2-1928","metadata":false}],"previous_section":{"id":57539,"structure_id":13456,"section_number":"38.2-1901","catch_line":"Definitions","url":"\/38.2-1901\/","token":"38.2\/19\/38.2-1901","metadata":false},"next_section":{"id":70651,"structure_id":13456,"section_number":"38.2-1903","catch_line":"Exemptions","url":"\/38.2-1903\/","token":"38.2\/19\/38.2-1903","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-1902\/","history_text":"

This law was first created in 1973. The record of its establishment is cataloged in chapter 504 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 1973 \u201cActs\u201d aren\u2019t available online. It has been modified 9 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 1976, chapter 636; in 1981, chapter 530; in 1986, chapter 562; in 1987, chapter 519; in 1993, chapters 774 and 985; in 1995, chapters 744<\/a> and 803<\/a>; in 2000, chapter 526<\/a>; in 2002, chapter 145<\/a>; in 2022, chapter 180<\/a>.<\/p>","references":[{"id":60601,"section_number":"38.2-132","catch_line":"Commercial multi-peril insurance","order_by":null,"url":"\/38.2-132\/"},{"id":81510,"section_number":"38.2-1921","catch_line":"Combination policies","order_by":null,"url":"\/38.2-1921\/"},{"id":85005,"section_number":"38.2-2708","catch_line":"Creation and plan of operation of joint underwriting association","order_by":null,"url":"\/38.2-2708\/"},{"id":76688,"section_number":"38.2-2801","catch_line":"Association activation; members; purpose; determinations by Commission; powers of association","order_by":null,"url":"\/38.2-2801\/"},{"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\/"}],"refers_to":[{"id":57209,"section_number":"38.2-102","catch_line":"Life","order_by":null,"url":"\/38.2-102\/"},{"id":87220,"section_number":"38.2-106","catch_line":"Annuities","order_by":null,"url":"\/38.2-106\/"},{"id":64558,"section_number":"38.2-107","catch_line":"Variable annuity","order_by":null,"url":"\/38.2-107\/"},{"id":75359,"section_number":"38.2-109","catch_line":"Accident and sickness","order_by":null,"url":"\/38.2-109\/"},{"id":56505,"section_number":"38.2-110","catch_line":"Fire","order_by":null,"url":"\/38.2-110\/"},{"id":82832,"section_number":"38.2-122","catch_line":"Credit","order_by":null,"url":"\/38.2-122\/"},{"id":54747,"section_number":"38.2-123","catch_line":"Title","order_by":null,"url":"\/38.2-123\/"},{"id":66976,"section_number":"38.2-124","catch_line":"Motor vehicle","order_by":null,"url":"\/38.2-124\/"},{"id":69932,"section_number":"38.2-128","catch_line":"Mortgage guaranty insurance","order_by":null,"url":"\/38.2-128\/"},{"id":75005,"section_number":"38.2-130","catch_line":"Homeowners insurance","order_by":null,"url":"\/38.2-130\/"},{"id":57802,"section_number":"38.2-1905","catch_line":"Motor vehicle insurer not to charge points or increase premiums in certain instances","order_by":null,"url":"\/38.2-1905\/"},{"id":77780,"section_number":"38.2-1915","catch_line":"Joint underwriting or joint reinsurance organizations","order_by":null,"url":"\/38.2-1915\/"},{"id":60173,"section_number":"38.2-1920","catch_line":"Excess rate for a specific risk","order_by":null,"url":"\/38.2-1920\/"},{"id":68638,"section_number":"38.2-2000","catch_line":"Purposes of chapter","order_by":null,"url":"\/38.2-2000\/"},{"id":85986,"section_number":"38.2-2600","catch_line":"Definitions","order_by":null,"url":"\/38.2-2600\/"},{"id":76295,"section_number":"38.2-2700","catch_line":"Purposes of chapter","order_by":null,"url":"\/38.2-2700\/"}],"permalink":{"id":212955,"object_type":"law","relational_id":74191,"identifier":"38.2-1902","token":"38.2\/19\/38.2-1902","url":"\/38.2-1902\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-1902\/","token":"38.2\/19\/38.2-1902","dublin_core":{"Title":"Scope of chapter","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-1902","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Except as provided in subsection B, this chapter applies to the classes of insurance<\/span> defined in §§ 38.2-110<\/a> through 38.2-122<\/a>, 38.2-124<\/a> through 38.2-128<\/a> and 38.2-130<\/a> through 38.2-133<\/a>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> This chapter does not apply to: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Insurance<\/span> written through the Virginia Workers’ Compensation Plan pursuant to Chapter 20 (§ 38.2-2000<\/a> et seq.) of this title; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Insurance<\/span> on a specific risk as provided in § 38.2-1920<\/a>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Reinsurance, other than joint reinsurance, to the extent stated in § 38.2-1915<\/a>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> Life insurance<\/span> as defined in § 38.2-102<\/a>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> Annuities as defined in §§ 38.2-106<\/a> and 38.2-107<\/a>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> Accident and sickness insurance<\/span> as defined in § 38.2-109<\/a>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

7.<\/span> Title insurance<\/span> as defined in § 38.2-123<\/a>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

8.<\/span> Insurance<\/span> of vessels or craft used primarily in a trade or business, their cargoes, marine builders’ risks and marine protection and indemnity; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

9.<\/span> Insurance<\/span> against loss of or damage to hulls of aircraft, including their accessories and equipment, or against liability, other than workers’ compensation and employers’ liability, arising out of the ownership, maintenance or use of aircraft; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

10.<\/span> Insurance<\/span> written through the Virginia Automobile Insurance<\/span> Plan. However, § 38.2-1905<\/a> shall apply to insurance<\/span> written through the Plan; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

11.<\/span> Insurance<\/span> provided pursuant to Chapter 27 (§ 38.2-2700<\/a> et seq.); <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

12.<\/span> Home protection contracts<\/span> as defined by § 38.2-2600<\/a> and their rates<\/span><\/span> until such time as the Commission<\/span> determines there is sufficient competition in the industry as provided by § 38.2-2608<\/a>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> This chapter shall not apply to any class of insurance written (i) by any mutual assessment property and casualty insurance company<\/span> organized and operating under the laws<\/span> of this Commonwealth and doing business only in this Commonwealth or (ii) by any mutual insurance company<\/span> or association organized under the laws<\/span> of this Commonwealth, conducting business only in this Commonwealth, and issuing only policies providing for perpetual insurance. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nSCOPE OF CHAPTER (\u00a7 38.2-1902)\n\nA. Except as provided in subsection B, this chapter applies to the classes of\ninsurance defined in §§ 38.2-110 through 38.2-122, 38.2-124 through\n38.2-128 and 38.2-130 through 38.2-133.\n\nB. This chapter does not apply to:\n\n 1. Insurance written through the Virginia Workers’ Compensation Plan\n pursuant to Chapter 20 (§ 38.2-2000 et seq.) of this title;\n\n 2. Insurance on a specific risk as provided in § 38.2-1920;\n\n 3. Reinsurance, other than joint reinsurance, to the extent stated in §\n 38.2-1915;\n\n 4. Life insurance as defined in § 38.2-102;\n\n 5. Annuities as defined in §§ 38.2-106 and 38.2-107;\n\n 6. Accident and sickness insurance as defined in § 38.2-109;\n\n 7. Title insurance as defined in § 38.2-123;\n\n 8. Insurance of vessels or craft used primarily in a trade or business, their\n cargoes, marine builders’ risks and marine protection and indemnity;\n\n 9. Insurance against loss of or damage to hulls of aircraft, including their\n accessories and equipment, or against liability, other than workers’\n compensation and employers’ liability, arising out of the ownership,\n maintenance or use of aircraft;\n\n 10. Insurance written through the Virginia Automobile Insurance Plan. However,\n § 38.2-1905 shall apply to insurance written through the Plan;\n\n 11. Insurance provided pursuant to Chapter 27 (§ 38.2-2700 et seq.);\n\n 12. Home protection contracts as defined by § 38.2-2600 and their rates\n until such time as the Commission determines there is sufficient competition\n in the industry as provided by § 38.2-2608.\n\nC. This chapter shall not apply to any class of insurance written (i) by any\nmutual assessment property and casualty insurance company organized and\noperating under the laws of this Commonwealth and doing business only in this\nCommonwealth or (ii) by any mutual insurance company or association organized\nunder the laws of this Commonwealth, conducting business only in this\nCommonwealth, and issuing only policies providing for perpetual insurance.\n\nHISTORY: 1973, c. 504, \u00a7 38.1-279.31; 1976, c. 636; 1981, c. 530; 1986, c. 562;\n1987, c. 519; 1993, cc. 774, 985; 1995, cc. 744, 803; 2000, c. 526; 2002, c.\n145; 2022, c. 180.","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}}