{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-2516.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-2516.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-2516.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-2516.html"}],"law_id":69506,"edition_id":1,"section_id":69506,"structure_id":14941,"section_number":"38.2-2516","catch_line":"Issuance of policies; bylaws as part of contract","history":"Code 1950, \u00a7 38-529; 1952, c. 317, \u00a7 38.1-673; 1954, c. 161; 1986, c. 562.","full_text":"The directors of every mutual assessment property and casualty insurer shall issue insurance policies requiring the insurer to pay all losses or damages caused by the risk insured against during the time the policy is in force. Payment shall not exceed the amount insured. There shall be attached to or included in each of those policies the portion of the bylaws that constitute a part of the policy contract. Bylaws or their amendments that are not a part of the policy contract shall not affect the policy contract unless they are included as a suitable endorsement mailed or delivered to the policyholder.","order_by":null,"text":{"0":{"id":251318,"text":"The directors of every mutual assessment property and casualty insurer shall issue insurance policies requiring the insurer to pay all losses or damages caused by the risk insured against during the time the policy is in force. Payment shall not exceed the amount insured. There shall be attached to or included in each of those policies the portion of the bylaws that constitute a part of the policy contract. Bylaws or their amendments that are not a part of the policy contract shall not affect the policy contract unless they are included as a suitable endorsement mailed or delivered to the policyholder.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":14941,"edition_id":1,"name":"Insurance Transactions","identifier":"4","label":"article","depth":3,"order_by":1,"parent_id":13766,"metadata":{},"date_created":"2026-06-26 03:50:55","date_modified":"2026-06-26 03:50:55","permalink":{"id":213883,"object_type":"structure","relational_id":14941,"identifier":"4","token":"38.2\/25\/4","url":"\/38.2\/25\/4\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13766,"edition_id":1,"name":"Mutual Assessment Property and Casualty Insurers","identifier":"25","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:45:49","date_modified":"2026-06-26 03:45:49","permalink":{"id":213811,"object_type":"structure","relational_id":13766,"identifier":"25","token":"38.2\/25","url":"\/38.2\/25\/","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":69506,"structure_id":14941,"section_number":"38.2-2516","catch_line":"Issuance of policies; bylaws as part of contract","url":"\/38.2-2516\/","token":"38.2\/25\/4\/38.2-2516","metadata":false},{"id":69640,"structure_id":14941,"section_number":"38.2-2517","catch_line":"Policy forms to be filed","url":"\/38.2-2517\/","token":"38.2\/25\/4\/38.2-2517","metadata":false},{"id":69465,"structure_id":14941,"section_number":"38.2-2518","catch_line":"Assessment contract","url":"\/38.2-2518\/","token":"38.2\/25\/4\/38.2-2518","metadata":false},{"id":86250,"structure_id":14941,"section_number":"38.2-2519","catch_line":"Classification of risks; rates","url":"\/38.2-2519\/","token":"38.2\/25\/4\/38.2-2519","metadata":false},{"id":79668,"structure_id":14941,"section_number":"38.2-2520","catch_line":"Right to limit assessment liability","url":"\/38.2-2520\/","token":"38.2\/25\/4\/38.2-2520","metadata":false},{"id":57007,"structure_id":14941,"section_number":"38.2-2521","catch_line":"Notice of assessment; how given","url":"\/38.2-2521\/","token":"38.2\/25\/4\/38.2-2521","metadata":false},{"id":66285,"structure_id":14941,"section_number":"38.2-2522","catch_line":"Action to recover assessments; penalty","url":"\/38.2-2522\/","token":"38.2\/25\/4\/38.2-2522","metadata":false},{"id":76397,"structure_id":14941,"section_number":"38.2-2523","catch_line":"Notice of loss and adjustment","url":"\/38.2-2523\/","token":"38.2\/25\/4\/38.2-2523","metadata":false},{"id":62608,"structure_id":14941,"section_number":"38.2-2524","catch_line":"Proceeding when loss or damage exceeds cash on hand","url":"\/38.2-2524\/","token":"38.2\/25\/4\/38.2-2524","metadata":false},{"id":71959,"structure_id":14941,"section_number":"38.2-2525","catch_line":"Agents licenses required","url":"\/38.2-2525\/","token":"38.2\/25\/4\/38.2-2525","metadata":false}],"next_section":{"id":69640,"structure_id":14941,"section_number":"38.2-2517","catch_line":"Policy forms to be filed","url":"\/38.2-2517\/","token":"38.2\/25\/4\/38.2-2517","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-2516\/","history_text":"<p>The record of this law\u2019s original creation isn\u2019t available online. It has been modified 3 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 1954, chapter 161; in 1986, chapter 562.<\/p>","references":false,"refers_to":false,"permalink":{"id":213885,"object_type":"law","relational_id":69506,"identifier":"38.2-2516","token":"38.2\/25\/4\/38.2-2516","url":"\/38.2-2516\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-2516\/","token":"38.2\/25\/4\/38.2-2516","dublin_core":{"Title":"Issuance of policies; bylaws as part of contract","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2516","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>The directors of every <span class=\"dictionary\">mutual assessment property and casualty insurer<\/span> shall <span class=\"dictionary\">issue<\/span> <span class=\"dictionary\">insurance policies<\/span> requiring the insurer to pay all losses or <span class=\"dictionary\">damages<\/span> caused by the risk insured against during the time the policy is in force. Payment shall not exceed the amount insured. There shall be attached to or included in each of those policies the portion of the bylaws that constitute a part of the policy <span class=\"dictionary\">contract<\/span>. Bylaws or their amendments that are not a part of the policy <span class=\"dictionary\">contract<\/span> shall not affect the policy <span class=\"dictionary\">contract<\/span> unless they are included as a suitable endorsement mailed or delivered to the policyholder.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nISSUANCE OF POLICIES; BYLAWS AS PART OF CONTRACT (\u00a7 38.2-2516)\n\nThe directors of every mutual assessment property and casualty insurer shall\nissue insurance policies requiring the insurer to pay all losses or damages\ncaused by the risk insured against during the time the policy is in force.\nPayment shall not exceed the amount insured. There shall be attached to or\nincluded in each of those policies the portion of the bylaws that constitute a\npart of the policy contract. Bylaws or their amendments that are not a part of\nthe policy contract shall not affect the policy contract unless they are\nincluded as a suitable endorsement mailed or delivered to the policyholder.\n\nHISTORY: Code 1950, \u00a7 38-529; 1952, c. 317, \u00a7 38.1-673; 1954, c. 161; 1986, c.\n562.","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}}