{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-3911.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-3911.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-3911.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-3911.html"}],"law_id":56365,"edition_id":1,"section_id":56365,"structure_id":14709,"section_number":"38.2-3911","catch_line":"Time limit on certain defenses","history":"1985, c. 400, \u00a7 38.1-549.12; 1986, c. 562.","full_text":"Every insurance policy or contract shall contain a provision that after two years from the effective date of the policy or contract, only fraudulent misstatements in the application may be used to void the policy or contract or deny any claim for a loss incurred or a disability that starts after the two-year period. This provision may be omitted if the incontestable clause referred to in \u00a7 38.2-3912 is included.","order_by":null,"text":{"0":{"id":206401,"text":"Every insurance policy or contract shall contain a provision that after two years from the effective date of the policy or contract, only fraudulent misstatements in the application may be used to void the policy or contract or deny any claim for a loss incurred or a disability that starts after the two-year period. This provision may be omitted if the incontestable clause referred to in \u00a7 38.2-3912 is included.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":14709,"edition_id":1,"name":"Policy Provisions and Benefits","identifier":"3","label":"article","depth":3,"order_by":1,"parent_id":14069,"metadata":{},"date_created":"2026-06-26 03:49:27","date_modified":"2026-06-26 03:49:27","permalink":{"id":216277,"object_type":"structure","relational_id":14709,"identifier":"3","token":"38.2\/39\/3","url":"\/38.2\/39\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":14069,"edition_id":1,"name":"Mutual Assessment Life, Accident and Sickness Insurers","identifier":"39","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:46:47","date_modified":"2026-06-26 03:46:47","permalink":{"id":216231,"object_type":"structure","relational_id":14069,"identifier":"39","token":"38.2\/39","url":"\/38.2\/39\/","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":59863,"structure_id":14709,"section_number":"38.2-3910","catch_line":"Policy forms to be filed","url":"\/38.2-3910\/","token":"38.2\/39\/3\/38.2-3910","metadata":false},{"id":56365,"structure_id":14709,"section_number":"38.2-3911","catch_line":"Time limit on certain defenses","url":"\/38.2-3911\/","token":"38.2\/39\/3\/38.2-3911","metadata":false},{"id":72626,"structure_id":14709,"section_number":"38.2-3912","catch_line":"Incontestability of policies","url":"\/38.2-3912\/","token":"38.2\/39\/3\/38.2-3912","metadata":false},{"id":63584,"structure_id":14709,"section_number":"38.2-3913","catch_line":"Required grace periods","url":"\/38.2-3913\/","token":"38.2\/39\/3\/38.2-3913","metadata":false},{"id":69853,"structure_id":14709,"section_number":"38.2-3914","catch_line":"Policy to specify amount of payment and when to be paid","url":"\/38.2-3914\/","token":"38.2\/39\/3\/38.2-3914","metadata":false}],"previous_section":{"id":59863,"structure_id":14709,"section_number":"38.2-3910","catch_line":"Policy forms to be filed","url":"\/38.2-3910\/","token":"38.2\/39\/3\/38.2-3910","metadata":false},"next_section":{"id":72626,"structure_id":14709,"section_number":"38.2-3912","catch_line":"Incontestability of policies","url":"\/38.2-3912\/","token":"38.2\/39\/3\/38.2-3912","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-3911\/","history_text":"<p>This law was first created in 1985. The record of its establishment is cataloged in chapter 400 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 1985 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. 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. That modification is as follows: in 1986, chapter 562.<\/p>","references":[{"id":72626,"section_number":"38.2-3912","catch_line":"Incontestability of policies","order_by":null,"url":"\/38.2-3912\/"}],"refers_to":[{"id":72626,"section_number":"38.2-3912","catch_line":"Incontestability of policies","order_by":null,"url":"\/38.2-3912\/"}],"permalink":{"id":216283,"object_type":"law","relational_id":56365,"identifier":"38.2-3911","token":"38.2\/39\/3\/38.2-3911","url":"\/38.2-3911\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-3911\/","token":"38.2\/39\/3\/38.2-3911","dublin_core":{"Title":"Time limit on certain defenses","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-3911","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>Every <span class=\"dictionary\">insurance<\/span> policy or <span class=\"dictionary\">contract<\/span> shall contain a provision that after two years from the effective date of the policy or <span class=\"dictionary\">contract<\/span>, only fraudulent misstatements in the application may be used to void the policy or <span class=\"dictionary\">contract<\/span> or deny any claim for a loss incurred or a disability that starts after the two-year period. This provision may be omitted if the incontestable clause referred to in \u00a7&nbsp;<a class=\"law\" title=\"Incontestability of policies\" href=\"\/38.2-3912\/\">38.2-3912<\/a> is included.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nTIME LIMIT ON CERTAIN DEFENSES (\u00a7 38.2-3911)\n\nEvery insurance policy or contract shall contain a provision that after two\nyears from the effective date of the policy or contract, only fraudulent\nmisstatements in the application may be used to void the policy or contract or\ndeny any claim for a loss incurred or a disability that starts after the\ntwo-year period. This provision may be omitted if the incontestable clause\nreferred to in \u00a7 38.2-3912 is included.\n\nHISTORY: 1985, c. 400, \u00a7 38.1-549.12; 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}}