{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-2202.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-2202.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-2202.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-2202.html"}],"law_id":75263,"edition_id":1,"section_id":75263,"structure_id":13816,"section_number":"38.2-2202","catch_line":"Required notice of optional coverage available","history":"1974, c. 607, \u00a7 38.1-380.2; 1977, c. 112; 1981, c. 245; 1982, cc. 450, 642; 1986, c. 562; 1987, c. 429; 1989, c. 243; 1992, c. 230; 2001, c. 564; 2015, cc. 502, 503; 2016, c. 558; 2022, c. 308; 2025, c. 331.","full_text":"A\n\n1. No new policy for insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued or delivered in the Commonwealth unless there is enclosed with the policy, in boldface type, the following statement:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tIN ADDITION TO THE MINIMUM INSURANCE REQUIRED BY LAW, YOU MAY PURCHASE ADDITIONAL INSURANCE COVERAGE FOR THE NAMED INSURED AND FOR HIS RELATIVES WHO ARE MEMBERS OF HIS HOUSEHOLD WHILE IN OR UPON, ENTERING OR ALIGHTING FROM A MOTOR VEHICLE, OR THROUGH BEING STRUCK BY A MOTOR VEHICLE WHILE NOT OCCUPYING A MOTOR VEHICLE, AND FOR OCCUPANTS OF THE INSURED MOTOR VEHICLE. THE FOLLOWING HEALTH CARE AND DISABILITY BENEFITS ARE AVAILABLE FOR EACH ACCIDENT:a\n\nPAYMENT OF UP TO $2,000 PER PERSON FOR ALL REASONABLE AND NECESSARY EXPENSES FOR MEDICAL, CHIROPRACTIC, HOSPITAL, DENTAL, SURGICAL, PROSTHETIC AND REHABILITATION SERVICES, SERVICES PROVIDED BY AN EMERGENCY MEDICAL SERVICES VEHICLE AS DEFINED IN § 32.1-111.1 OF THE CODE OF VIRGINIA , AND FUNERAL EXPENSES RESULTING FROM THE ACCIDENT AND INCURRED WITHIN THREE YEARS AFTER THE DATE OF THE ACCIDENT. HOWEVER, IF YOU DO NOT PURCHASE THE $2,000 LIMIT OF COVERAGE, YOU AND THE COMPANY MAY AGREE TO ANY OTHER LIMIT; AND;b\n\nAN AMOUNT EQUAL TO THE LOSS OF INCOME UP TO $100 PER WEEK IF THE INJURED PERSON IS ENGAGED IN AN OCCUPATION FOR WHICH HE RECEIVES COMPENSATION, FROM THE FIRST WORKDAY LOST AS A RESULT OF THE ACCIDENT UP TO THE DATE THE PERSON IS ABLE TO RETURN TO HIS USUAL OCCUPATION. SUCH PAYMENTS ARE LIMITED TO A PERIOD EXTENDING ONE YEAR FROM THE DATE OF THE ACCIDENT.\n\t\t\t\tIF YOU DESIRE TO PURCHASE EITHER OR BOTH OF THESE COVERAGES AT AN ADDITIONAL PREMIUM, YOU MAY DO SO BY CONTACTING THE AGENT OR COMPANY THAT ISSUED YOUR POLICY.”2\n\nThe insurer issuing the policy shall inform the insured by any reasonable means of communication of the approximate premium for the additional coverage.B\n\nNo new policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued or delivered in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOU ARE ENTITLED TO PURCHASE UNINSURED\/UNDERINSURED COVERAGE LIMITS EQUAL TO THE LIABILITY LIMITS ON YOUR MOTOR VEHICLE POLICY. HOWEVER, ANY ONE NAMED INSURED HAS THE RIGHT TO REDUCE THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE TO LESS THAN THE LIABILITY LIMITS ON THE POLICY BUT NO LOWER THAN THE FINANCIAL RESPONSIBILITY LIMITS REQUIRED BY § 46.2-472 OF THE CODE OF VIRGINIA. THE INSURER MAY REQUIRE THAT A REQUEST TO REDUCE COVERAGE BE IN WRITING. ONCE ANY ONE NAMED INSURED REDUCES THE POLICY LIMITS FOR UNINSURED\/UNDERINSURED MOTORIST COVERAGE BELOW THE POLICY’S LIABILITY LIMITS, THAT ELECTION IS BINDING ON ALL INSUREDS ON THE POLICY. LATER, IF YOU DESIRE TO INCREASE YOUR LIMITS, YOU MUST MAKE A SPECIFIC REQUEST TO YOUR INSURER. YOU MAY WANT TO PUT THIS REQUEST IN WRITING.\n\t\t\tBEFORE REDUCING THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF AN UNINSURED\/UNDERINSURED MOTORIST.”C\n\nNo policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued, delivered, or renewed after July 1, 2025, in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOUR INSURANCE IS REQUIRED TO PROVIDE UNDERINSURED MOTORIST COVERAGE THAT PAYS ANY DAMAGES DUE TO AN INSURED IN ADDITION TO ANY BODILY INJURY OR PROPERTY DAMAGE LIABILITY THAT IS APPLICABLE TO THE INSURED’S DAMAGES. YOU MAY CHOOSE TO CHANGE THE WAY YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED. DEPENDING ON THE CHANGE, YOU MAY REDUCE THE AMOUNT OF COVERAGE YOU HAVE AND YOUR PREMIUM MAY CHANGE. CONTACT YOUR AGENT OR INSURER FOR ADDITIONAL INFORMATION.\n\t\t\tANY REQUEST TO CHANGE HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST BE IN WRITING. ONCE ANY NAMED INSURED CHOOSES TO MAKE SUCH A CHANGE IN THE UNDERINSURED MOTORIST COVERAGE, THAT CHANGE IS BINDING ON ALL INSUREDS ON THE POLICY. ANY LATER CHANGES YOU MAY WISH TO MAKE TO HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST ALSO BE IN WRITING.\n\t\t\tBEFORE CHANGING HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF AN UNDERINSURED MOTORIST.”","order_by":null,"text":{"0":{"id":270267,"text":"1. No new policy for insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued or delivered in the Commonwealth unless there is enclosed with the policy, in boldface type, the following statement:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tIN ADDITION TO THE MINIMUM INSURANCE REQUIRED BY LAW, YOU MAY PURCHASE ADDITIONAL INSURANCE COVERAGE FOR THE NAMED INSURED AND FOR HIS RELATIVES WHO ARE MEMBERS OF HIS HOUSEHOLD WHILE IN OR UPON, ENTERING OR ALIGHTING FROM A MOTOR VEHICLE, OR THROUGH BEING STRUCK BY A MOTOR VEHICLE WHILE NOT OCCUPYING A MOTOR VEHICLE, AND FOR OCCUPANTS OF THE INSURED MOTOR VEHICLE. THE FOLLOWING HEALTH CARE AND DISABILITY BENEFITS ARE AVAILABLE FOR EACH ACCIDENT:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"Aa"},"1":{"id":270268,"text":"PAYMENT OF UP TO $2,000 PER PERSON FOR ALL REASONABLE AND NECESSARY EXPENSES FOR MEDICAL, CHIROPRACTIC, HOSPITAL, DENTAL, SURGICAL, PROSTHETIC AND REHABILITATION SERVICES, SERVICES PROVIDED BY AN EMERGENCY MEDICAL SERVICES VEHICLE AS DEFINED IN § 32.1-111.1 OF THE CODE OF VIRGINIA , AND FUNERAL EXPENSES RESULTING FROM THE ACCIDENT AND INCURRED WITHIN THREE YEARS AFTER THE DATE OF THE ACCIDENT. HOWEVER, IF YOU DO NOT PURCHASE THE $2,000 LIMIT OF COVERAGE, YOU AND THE COMPANY MAY AGREE TO ANY OTHER LIMIT; AND;","type":"section","prefixes":["A","a"],"prefix":"a","entire_prefix":"Aa","prefix_anchor":"Aa","level":2,"prior_prefix":"A","next_prefix":"Ab"},"2":{"id":270269,"text":"AN AMOUNT EQUAL TO THE LOSS OF INCOME UP TO $100 PER WEEK IF THE INJURED PERSON IS ENGAGED IN AN OCCUPATION FOR WHICH HE RECEIVES COMPENSATION, FROM THE FIRST WORKDAY LOST AS A RESULT OF THE ACCIDENT UP TO THE DATE THE PERSON IS ABLE TO RETURN TO HIS USUAL OCCUPATION. SUCH PAYMENTS ARE LIMITED TO A PERIOD EXTENDING ONE YEAR FROM THE DATE OF THE ACCIDENT.\n\t\t\t\tIF YOU DESIRE TO PURCHASE EITHER OR BOTH OF THESE COVERAGES AT AN ADDITIONAL PREMIUM, YOU MAY DO SO BY CONTACTING THE AGENT OR COMPANY THAT ISSUED YOUR POLICY.”","type":"section","prefixes":["A","b"],"prefix":"b","entire_prefix":"Ab","prefix_anchor":"Ab","level":2,"prior_prefix":"Aa","next_prefix":"Ab2"},"3":{"id":270270,"text":"The insurer issuing the policy shall inform the insured by any reasonable means of communication of the approximate premium for the additional coverage.","type":"section","prefixes":["A","b","2"],"prefix":"2","entire_prefix":"Ab2","prefix_anchor":"Ab2","level":3,"prior_prefix":"Ab","next_prefix":"B"},"4":{"id":270271,"text":"No new policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued or delivered in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOU ARE ENTITLED TO PURCHASE UNINSURED\/UNDERINSURED COVERAGE LIMITS EQUAL TO THE LIABILITY LIMITS ON YOUR MOTOR VEHICLE POLICY. HOWEVER, ANY ONE NAMED INSURED HAS THE RIGHT TO REDUCE THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE TO LESS THAN THE LIABILITY LIMITS ON THE POLICY BUT NO LOWER THAN THE FINANCIAL RESPONSIBILITY LIMITS REQUIRED BY § 46.2-472 OF THE CODE OF VIRGINIA. THE INSURER MAY REQUIRE THAT A REQUEST TO REDUCE COVERAGE BE IN WRITING. ONCE ANY ONE NAMED INSURED REDUCES THE POLICY LIMITS FOR UNINSURED\/UNDERINSURED MOTORIST COVERAGE BELOW THE POLICY’S LIABILITY LIMITS, THAT ELECTION IS BINDING ON ALL INSUREDS ON THE POLICY. LATER, IF YOU DESIRE TO INCREASE YOUR LIMITS, YOU MUST MAKE A SPECIFIC REQUEST TO YOUR INSURER. YOU MAY WANT TO PUT THIS REQUEST IN WRITING.\n\t\t\tBEFORE REDUCING THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF AN UNINSURED\/UNDERINSURED MOTORIST.”","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"Ab2","next_prefix":"C"},"5":{"id":270272,"text":"No policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued, delivered, or renewed after July 1, 2025, in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOUR INSURANCE IS REQUIRED TO PROVIDE UNDERINSURED MOTORIST COVERAGE THAT PAYS ANY DAMAGES DUE TO AN INSURED IN ADDITION TO ANY BODILY INJURY OR PROPERTY DAMAGE LIABILITY THAT IS APPLICABLE TO THE INSURED’S DAMAGES. YOU MAY CHOOSE TO CHANGE THE WAY YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED. DEPENDING ON THE CHANGE, YOU MAY REDUCE THE AMOUNT OF COVERAGE YOU HAVE AND YOUR PREMIUM MAY CHANGE. CONTACT YOUR AGENT OR INSURER FOR ADDITIONAL INFORMATION.\n\t\t\tANY REQUEST TO CHANGE HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST BE IN WRITING. ONCE ANY NAMED INSURED CHOOSES TO MAKE SUCH A CHANGE IN THE UNDERINSURED MOTORIST COVERAGE, THAT CHANGE IS BINDING ON ALL INSUREDS ON THE POLICY. ANY LATER CHANGES YOU MAY WISH TO MAKE TO HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST ALSO BE IN WRITING.\n\t\t\tBEFORE CHANGING HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF AN UNDERINSURED MOTORIST.”","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B"}},"ancestry":[{"id":13816,"edition_id":1,"name":"Liability Insurance Policies","identifier":"22","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:45:57","date_modified":"2026-06-26 03:45:57","permalink":{"id":213545,"object_type":"structure","relational_id":13816,"identifier":"22","token":"38.2\/22","url":"\/38.2\/22\/","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":76505,"structure_id":13816,"section_number":"38.2-2200","catch_line":"Required provisions as to insolvency or bankruptcy, and as to when action maintained against insurer","url":"\/38.2-2200\/","token":"38.2\/22\/38.2-2200","metadata":false},{"id":82480,"structure_id":13816,"section_number":"38.2-2201","catch_line":"Provisions for payment of medical expense and loss of income benefits; assignment of certain benefits","url":"\/38.2-2201\/","token":"38.2\/22\/38.2-2201","metadata":false},{"id":75263,"structure_id":13816,"section_number":"38.2-2202","catch_line":"Required notice of optional coverage available","url":"\/38.2-2202\/","token":"38.2\/22\/38.2-2202","metadata":false},{"id":85859,"structure_id":13816,"section_number":"38.2-2203","catch_line":"Policy providing for reimbursement for services that may be performed by certain practitioners other than physicians","url":"\/38.2-2203\/","token":"38.2\/22\/38.2-2203","metadata":false},{"id":70028,"structure_id":13816,"section_number":"38.2-2204","catch_line":"Liability insurance on motor vehicles, aircraft, and watercraft; standard provisions; \"omnibus clause.\"","url":"\/38.2-2204\/","token":"38.2\/22\/38.2-2204","metadata":false},{"id":56297,"structure_id":13816,"section_number":"38.2-2205","catch_line":"Liability insurance on motor vehicles; standard provisions; applicability of other valid and collectible insurance","url":"\/38.2-2205\/","token":"38.2\/22\/38.2-2205","metadata":false},{"id":80304,"structure_id":13816,"section_number":"38.2-2205.1","catch_line":"Suspension of liability coverage at insured's request","url":"\/38.2-2205.1\/","token":"38.2\/22\/38.2-2205.1","metadata":false},{"id":76965,"structure_id":13816,"section_number":"38.2-2206","catch_line":"Uninsured motorist insurance coverage","url":"\/38.2-2206\/","token":"38.2\/22\/38.2-2206","metadata":false},{"id":62972,"structure_id":13816,"section_number":"38.2-2207","catch_line":"No policy to exclude coverage to employee","url":"\/38.2-2207\/","token":"38.2\/22\/38.2-2207","metadata":false},{"id":80121,"structure_id":13816,"section_number":"38.2-2208","catch_line":"Notices of cancellation of or refusal to renew motor vehicle insurance policies","url":"\/38.2-2208\/","token":"38.2\/22\/38.2-2208","metadata":false},{"id":76452,"structure_id":13816,"section_number":"38.2-2209","catch_line":"Motor vehicle liability medical benefit insurer not to retain right of subrogation to recover from third party","url":"\/38.2-2209\/","token":"38.2\/22\/38.2-2209","metadata":false},{"id":75993,"structure_id":13816,"section_number":"38.2-2210","catch_line":"Warning concerning cancellation to appear on application for motor vehicle liability insurance; reason for cancellation or nonrenewal required on application","url":"\/38.2-2210\/","token":"38.2\/22\/38.2-2210","metadata":false},{"id":61927,"structure_id":13816,"section_number":"38.2-2211","catch_line":"Motor vehicle liability insurer not to receive credit for other medical expense insurance","url":"\/38.2-2211\/","token":"38.2\/22\/38.2-2211","metadata":false},{"id":80817,"structure_id":13816,"section_number":"38.2-2212","catch_line":"Grounds and procedure for cancellation of or refusal to renew motor vehicle insurance policies; review by Commissioner","url":"\/38.2-2212\/","token":"38.2\/22\/38.2-2212","metadata":false},{"id":71236,"structure_id":13816,"section_number":"38.2-2212.1","catch_line":"Powers of Commission; replacement policies","url":"\/38.2-2212.1\/","token":"38.2\/22\/38.2-2212.1","metadata":false},{"id":57322,"structure_id":13816,"section_number":"38.2-2213","catch_line":"Discrimination in issuance of motor vehicle insurance","url":"\/38.2-2213\/","token":"38.2\/22\/38.2-2213","metadata":false},{"id":55969,"structure_id":13816,"section_number":"38.2-2213.1","catch_line":"Certain action prohibited when motor vehicle owner fails to allow access to recorded data from recording device","url":"\/38.2-2213.1\/","token":"38.2\/22\/38.2-2213.1","metadata":false},{"id":72056,"structure_id":13816,"section_number":"38.2-2214","catch_line":"Statement defining rate classifications to be provided by insurer to insured","url":"\/38.2-2214\/","token":"38.2\/22\/38.2-2214","metadata":false},{"id":56175,"structure_id":13816,"section_number":"38.2-2215","catch_line":"Failure to issue or failure to renew motor vehicle liability insurance on the basis of a motor vehicle's age prohibited","url":"\/38.2-2215\/","token":"38.2\/22\/38.2-2215","metadata":false},{"id":77698,"structure_id":13816,"section_number":"38.2-2216","catch_line":"Medical benefit offset against liability or uninsured motorist coverage prohibited","url":"\/38.2-2216\/","token":"38.2\/22\/38.2-2216","metadata":false},{"id":66919,"structure_id":13816,"section_number":"38.2-2217","catch_line":"Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics","url":"\/38.2-2217\/","token":"38.2\/22\/38.2-2217","metadata":false},{"id":62782,"structure_id":13816,"section_number":"38.2-2217.1","catch_line":"Insurers required to renew motor vehicle liability coverage for vanpools; exceptions","url":"\/38.2-2217.1\/","token":"38.2\/22\/38.2-2217.1","metadata":false},{"id":75945,"structure_id":13816,"section_number":"38.2-2218","catch_line":"Adoption of standard forms for motor vehicle insurance","url":"\/38.2-2218\/","token":"38.2\/22\/38.2-2218","metadata":false},{"id":65638,"structure_id":13816,"section_number":"38.2-2219","catch_line":"Hearing on objections to the form","url":"\/38.2-2219\/","token":"38.2\/22\/38.2-2219","metadata":false},{"id":68775,"structure_id":13816,"section_number":"38.2-2220","catch_line":"Use of form after adoption","url":"\/38.2-2220\/","token":"38.2\/22\/38.2-2220","metadata":false},{"id":77162,"structure_id":13816,"section_number":"38.2-2221","catch_line":"Amendment of standard form","url":"\/38.2-2221\/","token":"38.2\/22\/38.2-2221","metadata":false},{"id":68996,"structure_id":13816,"section_number":"38.2-2222","catch_line":"Withdrawal of form","url":"\/38.2-2222\/","token":"38.2\/22\/38.2-2222","metadata":false},{"id":73915,"structure_id":13816,"section_number":"38.2-2223","catch_line":"Variations of, or additions to, form","url":"\/38.2-2223\/","token":"38.2\/22\/38.2-2223","metadata":false},{"id":67966,"structure_id":13816,"section_number":"38.2-2224","catch_line":"Commission to establish guidelines for filing readable motor vehicle insurance policy forms","url":"\/38.2-2224\/","token":"38.2\/22\/38.2-2224","metadata":false},{"id":70751,"structure_id":13816,"section_number":"38.2-2225","catch_line":"Sending copies of orders to companies affected","url":"\/38.2-2225\/","token":"38.2\/22\/38.2-2225","metadata":false},{"id":79233,"structure_id":13816,"section_number":"38.2-2226","catch_line":"Insurer to give notice to claimant of intention to rely on certain defenses and of execution of nonwaiver of rights agreement","url":"\/38.2-2226\/","token":"38.2\/22\/38.2-2226","metadata":false},{"id":64295,"structure_id":13816,"section_number":"38.2-2226.1","catch_line":"Insurer to give notice of settlement of claim","url":"\/38.2-2226.1\/","token":"38.2\/22\/38.2-2226.1","metadata":false},{"id":75189,"structure_id":13816,"section_number":"38.2-2227","catch_line":"Aircraft liability policy not to deny coverage for violation of federal or civil regulations, etc.; permitted exclusions or conditions","url":"\/38.2-2227\/","token":"38.2\/22\/38.2-2227","metadata":false},{"id":54902,"structure_id":13816,"section_number":"38.2-2228","catch_line":"Repealed","url":"\/38.2-2228\/","token":"38.2\/22\/38.2-2228","metadata":false},{"id":54970,"structure_id":13816,"section_number":"38.2-2228.2","catch_line":"Certain medical malpractice claims to be reported to the Commission","url":"\/38.2-2228.2\/","token":"38.2\/22\/38.2-2228.2","metadata":false},{"id":76107,"structure_id":13816,"section_number":"38.2-2229","catch_line":"Claims-made liability insurance","url":"\/38.2-2229\/","token":"38.2\/22\/38.2-2229","metadata":false},{"id":71578,"structure_id":13816,"section_number":"38.2-2230","catch_line":"Mandatory offer of rental reimbursement coverage","url":"\/38.2-2230\/","token":"38.2\/22\/38.2-2230","metadata":false},{"id":81873,"structure_id":13816,"section_number":"38.2-2231","catch_line":"Physical damage arbitration between insurers; alternate forums","url":"\/38.2-2231\/","token":"38.2\/22\/38.2-2231","metadata":false},{"id":54821,"structure_id":13816,"section_number":"38.2-2232","catch_line":"Liability insurance on private pleasure watercraft; optional coverage","url":"\/38.2-2232\/","token":"38.2\/22\/38.2-2232","metadata":false},{"id":69145,"structure_id":13816,"section_number":"38.2-2233","catch_line":"Installment payments of motor vehicle insurance","url":"\/38.2-2233\/","token":"38.2\/22\/38.2-2233","metadata":false},{"id":83935,"structure_id":13816,"section_number":"38.2-2234","catch_line":"Insurance credit score disclosure; use of credit information","url":"\/38.2-2234\/","token":"38.2\/22\/38.2-2234","metadata":false}],"previous_section":{"id":82480,"structure_id":13816,"section_number":"38.2-2201","catch_line":"Provisions for payment of medical expense and loss of income benefits; assignment of certain benefits","url":"\/38.2-2201\/","token":"38.2\/22\/38.2-2201","metadata":false},"next_section":{"id":85859,"structure_id":13816,"section_number":"38.2-2203","catch_line":"Policy providing for reimbursement for services that may be performed by certain practitioners other than physicians","url":"\/38.2-2203\/","token":"38.2\/22\/38.2-2203","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-2202\/","history_text":"

This law was first created in 1974. The record of its establishment is cataloged in chapter 607 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 1974 \u201cActs\u201d aren\u2019t available online. It has been modified 12 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 1977, chapter 112; in 1981, chapter 245; in 1982, chapters 450 and 642; in 1986, chapter 562; in 1987, chapter 429; in 1989, chapter 243; in 1992, chapter 230; in 2001, chapter 564<\/a>; in 2015, chapters 502<\/a> and 503<\/a>; in 2016, chapter 558<\/a>; in 2022, chapter 308<\/a>; in 2025, chapter 331<\/a>.<\/p>","references":[{"id":76965,"section_number":"38.2-2206","catch_line":"Uninsured motorist insurance coverage","order_by":null,"url":"\/38.2-2206\/"}],"refers_to":[{"id":74269,"section_number":"32.1-111.1","catch_line":"Definitions","order_by":null,"url":"\/32.1-111.1\/"},{"id":54272,"section_number":"46.2-472","catch_line":"Coverage of owner's policy","order_by":null,"url":"\/46.2-472\/"}],"permalink":{"id":213555,"object_type":"law","relational_id":75263,"identifier":"38.2-2202","token":"38.2\/22\/38.2-2202","url":"\/38.2-2202\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-2202\/","token":"38.2\/22\/38.2-2202","dublin_core":{"Title":"Required notice of optional coverage available","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2202","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> 1. No new policy for insurance<\/span> covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued or delivered in the Commonwealth unless there is enclosed with the policy, in boldface type, the following statement:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tIN ADDITION TO THE MINIMUM INSURANCE<\/span> REQUIRED BY LAW<\/span>, YOU MAY PURCHASE ADDITIONAL INSURANCE<\/span> COVERAGE FOR THE NAMED INSURED AND FOR HIS RELATIVES WHO ARE MEMBERS OF HIS HOUSEHOLD WHILE IN OR UPON, ENTERING OR ALIGHTING FROM A MOTOR VEHICLE, OR THROUGH BEING STRUCK BY A MOTOR VEHICLE WHILE NOT OCCUPYING A MOTOR VEHICLE, AND FOR OCCUPANTS OF THE INSURED MOTOR VEHICLE. THE FOLLOWING HEALTH CARE AND DISABILITY BENEFITS ARE AVAILABLE FOR EACH ACCIDENT: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

a.<\/span> PAYMENT OF UP TO $2,000 PER PERSON<\/span> FOR ALL REASONABLE AND NECESSARY EXPENSES FOR MEDICAL, CHIROPRACTIC, HOSPITAL, DENTAL, SURGICAL, PROSTHETIC AND REHABILITATION SERVICES, SERVICES PROVIDED BY AN EMERGENCY MEDICAL SERVICES VEHICLE AS DEFINED IN § 32.1-111.1<\/a> OF THE CODE OF VIRGINIA , AND FUNERAL EXPENSES RESULTING FROM THE ACCIDENT AND INCURRED WITHIN THREE YEARS AFTER THE DATE OF THE ACCIDENT. HOWEVER, IF YOU DO NOT PURCHASE THE $2,000 LIMIT OF COVERAGE, YOU AND THE COMPANY<\/span> MAY AGREE TO ANY OTHER LIMIT; AND; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

b.<\/span> AN AMOUNT EQUAL TO THE LOSS OF INCOME UP TO $100 PER WEEK IF THE INJURED PERSON<\/span> IS ENGAGED IN AN OCCUPATION FOR WHICH HE RECEIVES COMPENSATION, FROM THE FIRST WORKDAY LOST AS A RESULT OF THE ACCIDENT UP TO THE DATE THE PERSON<\/span> IS ABLE TO RETURN TO HIS USUAL OCCUPATION. SUCH PAYMENTS ARE LIMITED TO A PERIOD EXTENDING ONE YEAR FROM THE DATE OF THE ACCIDENT.\n\t\t\t\tIF YOU DESIRE TO PURCHASE EITHER OR BOTH OF THESE COVERAGES AT AN ADDITIONAL PREMIUM, YOU MAY DO SO BY CONTACTING THE AGENT OR COMPANY<\/span> THAT ISSUED YOUR POLICY.” <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> The insurer<\/span> issuing the policy shall inform the insured by any reasonable means of communication of the approximate premium for the additional coverage. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> No new policy of insurance<\/span> covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued or delivered in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOU ARE ENTITLED TO PURCHASE UNINSURED\/UNDERINSURED COVERAGE LIMITS EQUAL TO THE LIABILITY LIMITS ON YOUR MOTOR VEHICLE POLICY. HOWEVER, ANY ONE NAMED INSURED HAS THE RIGHT TO REDUCE THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE TO LESS THAN THE LIABILITY LIMITS ON THE POLICY BUT NO LOWER THAN THE FINANCIAL RESPONSIBILITY LIMITS REQUIRED BY § 46.2-472<\/a> OF THE CODE OF VIRGINIA. THE INSURER<\/span> MAY REQUIRE THAT A REQUEST TO REDUCE COVERAGE BE IN WRITING. ONCE ANY ONE NAMED INSURED REDUCES THE POLICY LIMITS FOR UNINSURED\/UNDERINSURED MOTORIST COVERAGE BELOW THE POLICY’S LIABILITY LIMITS, THAT ELECTION IS BINDING ON ALL INSUREDS ON THE POLICY. LATER, IF YOU DESIRE TO INCREASE YOUR LIMITS, YOU MUST MAKE A SPECIFIC REQUEST TO YOUR INSURER<\/span>. YOU MAY WANT TO PUT THIS REQUEST IN WRITING.\n\t\t\tBEFORE REDUCING THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF AN UNINSURED\/UNDERINSURED MOTORIST.” <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> No policy of insurance<\/span> covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be issued, delivered, or renewed after July 1, 2025, in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOUR INSURANCE<\/span> IS REQUIRED TO PROVIDE UNDERINSURED MOTORIST COVERAGE THAT PAYS ANY DAMAGES<\/span> DUE TO AN INSURED IN ADDITION TO ANY BODILY INJURY OR PROPERTY DAMAGE LIABILITY THAT IS APPLICABLE TO THE INSURED’S DAMAGES<\/span>. YOU MAY CHOOSE TO CHANGE THE WAY YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED. DEPENDING ON THE CHANGE, YOU MAY REDUCE THE AMOUNT OF COVERAGE YOU HAVE AND YOUR PREMIUM MAY CHANGE. CONTACT YOUR AGENT OR INSURER<\/span> FOR ADDITIONAL INFORMATION.\n\t\t\tANY REQUEST TO CHANGE HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST BE IN WRITING. ONCE ANY NAMED INSURED CHOOSES TO MAKE SUCH A CHANGE IN THE UNDERINSURED MOTORIST COVERAGE, THAT CHANGE IS BINDING ON ALL INSUREDS ON THE POLICY. ANY LATER CHANGES YOU MAY WISH TO MAKE TO HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST ALSO BE IN WRITING.\n\t\t\tBEFORE CHANGING HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF AN UNDERINSURED MOTORIST.” <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nREQUIRED NOTICE OF OPTIONAL COVERAGE AVAILABLE (\u00a7 38.2-2202)\n\nA. 1. No new policy for insurance covering liability arising out of the\nownership, maintenance, or use of any motor vehicle shall be issued or delivered\nin the Commonwealth unless there is enclosed with the policy, in boldface type,\nthe following statement:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tIN ADDITION TO THE MINIMUM INSURANCE REQUIRED BY LAW, YOU MAY PURCHASE\nADDITIONAL INSURANCE COVERAGE FOR THE NAMED INSURED AND FOR HIS RELATIVES WHO\nARE MEMBERS OF HIS HOUSEHOLD WHILE IN OR UPON, ENTERING OR ALIGHTING FROM A\nMOTOR VEHICLE, OR THROUGH BEING STRUCK BY A MOTOR VEHICLE WHILE NOT OCCUPYING A\nMOTOR VEHICLE, AND FOR OCCUPANTS OF THE INSURED MOTOR VEHICLE. THE FOLLOWING\nHEALTH CARE AND DISABILITY BENEFITS ARE AVAILABLE FOR EACH ACCIDENT:\n\n a. PAYMENT OF UP TO $2,000 PER PERSON FOR ALL REASONABLE AND NECESSARY\n EXPENSES FOR MEDICAL, CHIROPRACTIC, HOSPITAL, DENTAL, SURGICAL, PROSTHETIC AND\n REHABILITATION SERVICES, SERVICES PROVIDED BY AN EMERGENCY MEDICAL SERVICES\n VEHICLE AS DEFINED IN § 32.1-111.1 OF THE CODE OF VIRGINIA , AND FUNERAL\n EXPENSES RESULTING FROM THE ACCIDENT AND INCURRED WITHIN THREE YEARS AFTER THE\n DATE OF THE ACCIDENT. HOWEVER, IF YOU DO NOT PURCHASE THE $2,000 LIMIT OF\n COVERAGE, YOU AND THE COMPANY MAY AGREE TO ANY OTHER LIMIT; AND;\n\n b. AN AMOUNT EQUAL TO THE LOSS OF INCOME UP TO $100 PER WEEK IF THE INJURED\n PERSON IS ENGAGED IN AN OCCUPATION FOR WHICH HE RECEIVES COMPENSATION, FROM\n THE FIRST WORKDAY LOST AS A RESULT OF THE ACCIDENT UP TO THE DATE THE PERSON\n IS ABLE TO RETURN TO HIS USUAL OCCUPATION. SUCH PAYMENTS ARE LIMITED TO A\n PERIOD EXTENDING ONE YEAR FROM THE DATE OF THE ACCIDENT.\n \t\t\t\tIF YOU DESIRE TO PURCHASE EITHER OR BOTH OF THESE COVERAGES AT AN\n ADDITIONAL PREMIUM, YOU MAY DO SO BY CONTACTING THE AGENT OR COMPANY THAT\n ISSUED YOUR POLICY.”\n\n 2. The insurer issuing the policy shall inform the insured by any reasonable\n means of communication of the approximate premium for the additional\n coverage.\n\nB. No new policy of insurance covering liability arising out of the ownership,\nmaintenance, or use of any motor vehicle shall be issued or delivered in the\nCommonwealth unless the following statement, printed in boldface type, is\nenclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOU ARE ENTITLED TO PURCHASE UNINSURED\/UNDERINSURED COVERAGE LIMITS EQUAL TO\nTHE LIABILITY LIMITS ON YOUR MOTOR VEHICLE POLICY. HOWEVER, ANY ONE NAMED\nINSURED HAS THE RIGHT TO REDUCE THE LIMITS OF THE UNINSURED\/UNDERINSURED\nMOTORIST COVERAGE TO LESS THAN THE LIABILITY LIMITS ON THE POLICY BUT NO LOWER\nTHAN THE FINANCIAL RESPONSIBILITY LIMITS REQUIRED BY § 46.2-472 OF THE CODE\nOF VIRGINIA. THE INSURER MAY REQUIRE THAT A REQUEST TO REDUCE COVERAGE BE IN\nWRITING. ONCE ANY ONE NAMED INSURED REDUCES THE POLICY LIMITS FOR\nUNINSURED\/UNDERINSURED MOTORIST COVERAGE BELOW THE POLICY’S LIABILITY\nLIMITS, THAT ELECTION IS BINDING ON ALL INSUREDS ON THE POLICY. LATER, IF YOU\nDESIRE TO INCREASE YOUR LIMITS, YOU MUST MAKE A SPECIFIC REQUEST TO YOUR\nINSURER. YOU MAY WANT TO PUT THIS REQUEST IN WRITING.\n\t\t\tBEFORE REDUCING THE LIMITS OF THE UNINSURED\/UNDERINSURED MOTORIST COVERAGE,\nYOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION\nIN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS\nOF AN UNINSURED\/UNDERINSURED MOTORIST.”\n\nC. No policy of insurance covering liability arising out of the ownership,\nmaintenance, or use of any motor vehicle shall be issued, delivered, or renewed\nafter July 1, 2025, in the Commonwealth unless the following statement, printed\nin boldface type, is enclosed with the policy:\n\t\t\t“IMPORTANT NOTICE:\n\t\t\tYOUR INSURANCE IS REQUIRED TO PROVIDE UNDERINSURED MOTORIST COVERAGE THAT\nPAYS ANY DAMAGES DUE TO AN INSURED IN ADDITION TO ANY BODILY INJURY OR PROPERTY\nDAMAGE LIABILITY THAT IS APPLICABLE TO THE INSURED’S DAMAGES. YOU MAY\nCHOOSE TO CHANGE THE WAY YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED.\nDEPENDING ON THE CHANGE, YOU MAY REDUCE THE AMOUNT OF COVERAGE YOU HAVE AND YOUR\nPREMIUM MAY CHANGE. CONTACT YOUR AGENT OR INSURER FOR ADDITIONAL INFORMATION.\n\t\t\tANY REQUEST TO CHANGE HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED\nMUST BE IN WRITING. ONCE ANY NAMED INSURED CHOOSES TO MAKE SUCH A CHANGE IN THE\nUNDERINSURED MOTORIST COVERAGE, THAT CHANGE IS BINDING ON ALL INSUREDS ON THE\nPOLICY. ANY LATER CHANGES YOU MAY WISH TO MAKE TO HOW YOUR UNDERINSURED MOTORIST\nCOVERAGE IS CALCULATED MUST ALSO BE IN WRITING.\n\t\t\tBEFORE CHANGING HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED, YOU\nSHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN\nTHE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF\nAN UNDERINSURED MOTORIST.”\n\nHISTORY: 1974, c. 607, \u00a7 38.1-380.2; 1977, c. 112; 1981, c. 245; 1982, cc. 450,\n642; 1986, c. 562; 1987, c. 429; 1989, c. 243; 1992, c. 230; 2001, c. 564; 2015,\ncc. 502, 503; 2016, c. 558; 2022, c. 308; 2025, c. 331.","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}}