{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-5113.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-5113.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-5113.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-5113.html"}],"law_id":81720,"edition_id":1,"section_id":81720,"structure_id":13375,"section_number":"38.2-5113","catch_line":"Financial responsibility policy form or coverage requirements","history":"1987, c. 585.","full_text":"Any risk retention group and any insurer who transacts the business of insurance in this Commonwealth with a purchasing group or its members shall not be exempt from the policy form or coverage requirements of this Commonwealth’s motor vehicle financial responsibility insurance law. For the purpose of this section, any risk retention group and any insurer who transacts the business of insurance in this Commonwealth with a purchasing group or its members shall comply with \u00a7\u00a7 38.2-2200 through 38.2-2207, \u00a7\u00a7 38.2-2209, 38.2-2211, 38.2-2216, and \u00a7\u00a7 38.2-2218 through 38.2-2225 and any other applicable law of this Commonwealth.","order_by":null,"text":{"0":{"id":292729,"text":"Any risk retention group and any insurer who transacts the business of insurance in this Commonwealth with a purchasing group or its members shall not be exempt from the policy form or coverage requirements of this Commonwealth’s motor vehicle financial responsibility insurance law. For the purpose of this section, any risk retention group and any insurer who transacts the business of insurance in this Commonwealth with a purchasing group or its members shall comply with \u00a7\u00a7 38.2-2200 through 38.2-2207, \u00a7\u00a7 38.2-2209, 38.2-2211, 38.2-2216, and \u00a7\u00a7 38.2-2218 through 38.2-2225 and any other applicable law of this Commonwealth.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":13375,"edition_id":1,"name":"Risk Retention Groups and Purchasing Groups","identifier":"51","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:44","date_modified":"2026-06-26 03:44:44","permalink":{"id":217707,"object_type":"structure","relational_id":13375,"identifier":"51","token":"38.2\/51","url":"\/38.2\/51\/","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":72747,"structure_id":13375,"section_number":"38.2-5100","catch_line":"Purpose","url":"\/38.2-5100\/","token":"38.2\/51\/38.2-5100","metadata":false},{"id":54348,"structure_id":13375,"section_number":"38.2-5101","catch_line":"Definitions","url":"\/38.2-5101\/","token":"38.2\/51\/38.2-5101","metadata":false},{"id":80474,"structure_id":13375,"section_number":"38.2-5102","catch_line":"Risk retention groups chartered in this Commonwealth","url":"\/38.2-5102\/","token":"38.2\/51\/38.2-5102","metadata":false},{"id":87356,"structure_id":13375,"section_number":"38.2-5103","catch_line":"Risk retention groups not chartered in this Commonwealth","url":"\/38.2-5103\/","token":"38.2\/51\/38.2-5103","metadata":false},{"id":55046,"structure_id":13375,"section_number":"38.2-5104","catch_line":"Associations","url":"\/38.2-5104\/","token":"38.2\/51\/38.2-5104","metadata":false},{"id":75270,"structure_id":13375,"section_number":"38.2-5105","catch_line":"Repealed","url":"\/38.2-5105\/","token":"38.2\/51\/38.2-5105","metadata":false},{"id":55239,"structure_id":13375,"section_number":"38.2-5106","catch_line":"Purchasing groups; exemption from certain laws relating to the group purchase of insurance","url":"\/38.2-5106\/","token":"38.2\/51\/38.2-5106","metadata":false},{"id":66043,"structure_id":13375,"section_number":"38.2-5107","catch_line":"Insurers; exemptions from certain laws relating to the group purchase of insurance","url":"\/38.2-5107\/","token":"38.2\/51\/38.2-5107","metadata":false},{"id":71850,"structure_id":13375,"section_number":"38.2-5108","catch_line":"Notice and registration requirements of purchasing groups","url":"\/38.2-5108\/","token":"38.2\/51\/38.2-5108","metadata":false},{"id":85715,"structure_id":13375,"section_number":"38.2-5109","catch_line":"Restrictions on insurance purchased by purchasing groups","url":"\/38.2-5109\/","token":"38.2\/51\/38.2-5109","metadata":false},{"id":58610,"structure_id":13375,"section_number":"38.2-5110","catch_line":"Commission's authority regarding risk retention groups and purchasing groups","url":"\/38.2-5110\/","token":"38.2\/51\/38.2-5110","metadata":false},{"id":84645,"structure_id":13375,"section_number":"38.2-5111","catch_line":"Penalties","url":"\/38.2-5111\/","token":"38.2\/51\/38.2-5111","metadata":false},{"id":62188,"structure_id":13375,"section_number":"38.2-5112","catch_line":"Duty on agents or brokers","url":"\/38.2-5112\/","token":"38.2\/51\/38.2-5112","metadata":false},{"id":81720,"structure_id":13375,"section_number":"38.2-5113","catch_line":"Financial responsibility policy form or coverage requirements","url":"\/38.2-5113\/","token":"38.2\/51\/38.2-5113","metadata":false},{"id":66351,"structure_id":13375,"section_number":"38.2-5114","catch_line":"Application of other state laws to persons or corporations","url":"\/38.2-5114\/","token":"38.2\/51\/38.2-5114","metadata":false},{"id":73111,"structure_id":13375,"section_number":"38.2-5115","catch_line":"Binding effect of orders issued in U.S. District Court","url":"\/38.2-5115\/","token":"38.2\/51\/38.2-5115","metadata":false}],"previous_section":{"id":62188,"structure_id":13375,"section_number":"38.2-5112","catch_line":"Duty on agents or brokers","url":"\/38.2-5112\/","token":"38.2\/51\/38.2-5112","metadata":false},"next_section":{"id":66351,"structure_id":13375,"section_number":"38.2-5114","catch_line":"Application of other state laws to persons or corporations","url":"\/38.2-5114\/","token":"38.2\/51\/38.2-5114","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-5113\/","history_text":"

This law was first created in 1987. The record of its establishment is cataloged in chapter 585 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 1987 \u201cActs\u201d aren\u2019t available online.<\/p>","references":false,"refers_to":[{"id":76505,"section_number":"38.2-2200","catch_line":"Required provisions as to insolvency or bankruptcy, and as to when action maintained against insurer","order_by":null,"url":"\/38.2-2200\/"},{"id":62972,"section_number":"38.2-2207","catch_line":"No policy to exclude coverage to employee","order_by":null,"url":"\/38.2-2207\/"},{"id":76452,"section_number":"38.2-2209","catch_line":"Motor vehicle liability medical benefit insurer not to retain right of subrogation to recover from third party","order_by":null,"url":"\/38.2-2209\/"},{"id":61927,"section_number":"38.2-2211","catch_line":"Motor vehicle liability insurer not to receive credit for other medical expense insurance","order_by":null,"url":"\/38.2-2211\/"},{"id":77698,"section_number":"38.2-2216","catch_line":"Medical benefit offset against liability or uninsured motorist coverage prohibited","order_by":null,"url":"\/38.2-2216\/"},{"id":75945,"section_number":"38.2-2218","catch_line":"Adoption of standard forms for motor vehicle insurance","order_by":null,"url":"\/38.2-2218\/"},{"id":70751,"section_number":"38.2-2225","catch_line":"Sending copies of orders to companies affected","order_by":null,"url":"\/38.2-2225\/"}],"permalink":{"id":217761,"object_type":"law","relational_id":81720,"identifier":"38.2-5113","token":"38.2\/51\/38.2-5113","url":"\/38.2-5113\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-5113\/","token":"38.2\/51\/38.2-5113","dublin_core":{"Title":"Financial responsibility policy form or coverage requirements","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-5113","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Any risk retention group<\/span> and any insurer<\/span> who transacts the business of insurance<\/span> in this Commonwealth with a purchasing group<\/span> or its members shall not be exempt from the policy form or coverage requirements of this Commonwealth’s motor vehicle financial responsibility insurance<\/span> law<\/span>. For the purpose of this section, any risk retention group<\/span> and any insurer<\/span> who transacts the business of insurance<\/span> in this Commonwealth with a purchasing group<\/span> or its members shall comply with \u00a7\u00a7 38.2-2200<\/a> through 38.2-2207<\/a>, \u00a7\u00a7 38.2-2209<\/a>, 38.2-2211<\/a>, 38.2-2216<\/a>, and \u00a7\u00a7 38.2-2218<\/a> through 38.2-2225<\/a> and any other applicable law<\/span> of this Commonwealth.<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nFINANCIAL RESPONSIBILITY POLICY FORM OR COVERAGE REQUIREMENTS (\u00a7 38.2-5113)\n\nAny risk retention group and any insurer who transacts the business of insurance\nin this Commonwealth with a purchasing group or its members shall not be exempt\nfrom the policy form or coverage requirements of this Commonwealth’s motor\nvehicle financial responsibility insurance law. For the purpose of this section,\nany risk retention group and any insurer who transacts the business of insurance\nin this Commonwealth with a purchasing group or its members shall comply with\n\u00a7\u00a7 38.2-2200 through 38.2-2207, \u00a7\u00a7 38.2-2209, 38.2-2211, 38.2-2216, and \u00a7\u00a7\n38.2-2218 through 38.2-2225 and any other applicable law of this Commonwealth.\n\nHISTORY: 1987, c. 585.","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}}