{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/46.2-2143.1.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/46.2-2143.1.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/46.2-2143.1.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/46.2-2143.1.html"}],"law_id":69617,"edition_id":1,"section_id":69617,"structure_id":13603,"section_number":"46.2-2143.1","catch_line":"Insurance requirement for motor carriers","history":"2012, c. 638; 2017, cc. 790, 815; 2023, c. 242.","full_text":"A\n\nAll motor carriers shall keep in force at all times insurance, a bond, or bonds in an amount required by this section. However, motor carriers exempt under subdivision 6 of § 46.2-2101 shall only be required to keep in force insurance, a bond, or bonds in the amount required by this section that provide primary coverage (i) when the motor carrier or person acting on behalf of the motor carrier is available to transport property for compensation and (ii) from the time the motor carrier or a person acting for or on behalf of the motor carrier accepts the request to transport property and the vehicle is en route to pick up the property until the time the property has been removed from the vehicle and delivered to its final destination.B\n\nThe minimum public liability financial responsibility requirements for motor carriers operating in intrastate commerce shall be based on the gross vehicle weight rating of the vehicle as follows: for vehicles with a gross vehicle weight rating in excess of 10,000 pounds, the minimum requirement is $750,000; for vehicles with a gross vehicle weight rating in excess of 7,500 pounds but not in excess of 10,000 pounds, the minimum requirement is $300,000; and for passenger cars, motorcycles, autocycles, and vehicles with a gross vehicle weight rating of 7,500 pounds or less, the minimum requirement for clause (i) of subsection A is the financial responsibility requirements set forth in § 46.2-472 and for clause (ii) of subsection A is $100,000 per person and $300,000 per incident for death and bodily injury and at least $50,000 for property damage. The minimum insurance for motor carriers operating in interstate commerce shall equal the minimum required by federal law, rule, or regulation.C\n\nNotwithstanding subsection B, the minimum public financial responsibility requirements for household goods carriers required to obtain a certificate of fitness pursuant to this chapter shall be $750,000.D\n\nThe minimum cargo insurance required for motor carriers operating in intrastate commerce shall be $50,000. Motor carriers not engaged in the transportation of household goods and those solely operating passenger cars, motorcycles, autocycles, and vehicles with a gross vehicle weight rating of 7,500 pounds or less shall not be required to file any cargo insurance, bond, or bonds for cargo liability.","order_by":null,"text":{"0":{"id":251685,"text":"All motor carriers shall keep in force at all times insurance, a bond, or bonds in an amount required by this section. However, motor carriers exempt under subdivision 6 of § 46.2-2101 shall only be required to keep in force insurance, a bond, or bonds in the amount required by this section that provide primary coverage (i) when the motor carrier or person acting on behalf of the motor carrier is available to transport property for compensation and (ii) from the time the motor carrier or a person acting for or on behalf of the motor carrier accepts the request to transport property and the vehicle is en route to pick up the property until the time the property has been removed from the vehicle and delivered to its final destination.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":251686,"text":"The minimum public liability financial responsibility requirements for motor carriers operating in intrastate commerce shall be based on the gross vehicle weight rating of the vehicle as follows: for vehicles with a gross vehicle weight rating in excess of 10,000 pounds, the minimum requirement is $750,000; for vehicles with a gross vehicle weight rating in excess of 7,500 pounds but not in excess of 10,000 pounds, the minimum requirement is $300,000; and for passenger cars, motorcycles, autocycles, and vehicles with a gross vehicle weight rating of 7,500 pounds or less, the minimum requirement for clause (i) of subsection A is the financial responsibility requirements set forth in § 46.2-472 and for clause (ii) of subsection A is $100,000 per person and $300,000 per incident for death and bodily injury and at least $50,000 for property damage. The minimum insurance for motor carriers operating in interstate commerce shall equal the minimum required by federal law, rule, or regulation.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"C"},"2":{"id":251687,"text":"Notwithstanding subsection B, the minimum public financial responsibility requirements for household goods carriers required to obtain a certificate of fitness pursuant to this chapter shall be $750,000.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B","next_prefix":"D"},"3":{"id":251688,"text":"The minimum cargo insurance required for motor carriers operating in intrastate commerce shall be $50,000. Motor carriers not engaged in the transportation of household goods and those solely operating passenger cars, motorcycles, autocycles, and vehicles with a gross vehicle weight rating of 7,500 pounds or less shall not be required to file any cargo insurance, bond, or bonds for cargo liability.","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C"}},"ancestry":[{"id":13603,"edition_id":1,"name":"Insurance Requirements","identifier":"2","label":"article","depth":4,"order_by":1,"parent_id":13444,"metadata":{},"date_created":"2026-06-26 03:45:21","date_modified":"2026-06-26 03:45:21","permalink":{"id":232679,"object_type":"structure","relational_id":13603,"identifier":"2","token":"46.2\/V\/21\/2","url":"\/46.2\/V\/21\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13444,"edition_id":1,"name":"Regulation of Property Carriers","identifier":"21","label":"chapter","depth":3,"order_by":1,"parent_id":13318,"metadata":{},"date_created":"2026-06-26 03:44:54","date_modified":"2026-06-26 03:44:54","permalink":{"id":232515,"object_type":"structure","relational_id":13444,"identifier":"21","token":"46.2\/V\/21","url":"\/46.2\/V\/21\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13318,"edition_id":1,"name":"Motor Carriers","identifier":"V","label":"subtitle","depth":2,"order_by":1,"parent_id":12770,"metadata":{},"date_created":"2026-06-26 03:44:38","date_modified":"2026-06-26 03:44:38","permalink":{"id":231965,"object_type":"structure","relational_id":13318,"identifier":"V","token":"46.2\/V","url":"\/46.2\/V\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12770,"edition_id":1,"name":"Motor Vehicles","identifier":"46.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:52","date_modified":"2026-06-26 03:43:52","permalink":{"id":225289,"object_type":"structure","relational_id":12770,"identifier":"46.2","token":"46.2","url":"\/46.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":83367,"structure_id":13603,"section_number":"46.2-2141","catch_line":"Application of article","url":"\/46.2-2141\/","token":"46.2\/V\/21\/2\/46.2-2141","metadata":false},{"id":83233,"structure_id":13603,"section_number":"46.2-2142","catch_line":"Bonds or insurance to be kept in force; amounts","url":"\/46.2-2142\/","token":"46.2\/V\/21\/2\/46.2-2142","metadata":false},{"id":69236,"structure_id":13603,"section_number":"46.2-2143","catch_line":"Surety bonds, insurance, letter of credit or securities required prior to issuance of registration","url":"\/46.2-2143\/","token":"46.2\/V\/21\/2\/46.2-2143","metadata":false},{"id":69617,"structure_id":13603,"section_number":"46.2-2143.1","catch_line":"Insurance requirement for motor carriers","url":"\/46.2-2143.1\/","token":"46.2\/V\/21\/2\/46.2-2143.1","metadata":false},{"id":54571,"structure_id":13603,"section_number":"46.2-2143.2","catch_line":"Special insurance provisions for certain carriers","url":"\/46.2-2143.2\/","token":"46.2\/V\/21\/2\/46.2-2143.2","metadata":false},{"id":75251,"structure_id":13603,"section_number":"46.2-2144","catch_line":"Policies or surety bonds to be filed with the Department and securities with State Treasurer","url":"\/46.2-2144\/","token":"46.2\/V\/21\/2\/46.2-2144","metadata":false},{"id":80119,"structure_id":13603,"section_number":"46.2-2145","catch_line":"Condition or obligation of security","url":"\/46.2-2145\/","token":"46.2\/V\/21\/2\/46.2-2145","metadata":false},{"id":68028,"structure_id":13603,"section_number":"46.2-2146","catch_line":"Effect of unfair claims settlement practices on self-insured motor carriers","url":"\/46.2-2146\/","token":"46.2\/V\/21\/2\/46.2-2146","metadata":false}],"previous_section":{"id":69236,"structure_id":13603,"section_number":"46.2-2143","catch_line":"Surety bonds, insurance, letter of credit or securities required prior to issuance of registration","url":"\/46.2-2143\/","token":"46.2\/V\/21\/2\/46.2-2143","metadata":false},"next_section":{"id":54571,"structure_id":13603,"section_number":"46.2-2143.2","catch_line":"Special insurance provisions for certain carriers","url":"\/46.2-2143.2\/","token":"46.2\/V\/21\/2\/46.2-2143.2","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/46.2-2143.1\/","history_text":"

This law was first created in 2012. The record of its establishment is cataloged in chapter 638<\/a> 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. It has been modified 2 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 2017, chapters 790<\/a> and 815<\/a>; in 2023, chapter 242<\/a>.<\/p>","references":[{"id":68493,"section_number":"46.2-2101","catch_line":"Exemptions from chapter","order_by":null,"url":"\/46.2-2101\/"},{"id":69236,"section_number":"46.2-2143","catch_line":"Surety bonds, insurance, letter of credit or securities required prior to issuance of registration","order_by":null,"url":"\/46.2-2143\/"},{"id":54571,"section_number":"46.2-2143.2","catch_line":"Special insurance provisions for certain carriers","order_by":null,"url":"\/46.2-2143.2\/"}],"refers_to":[{"id":68493,"section_number":"46.2-2101","catch_line":"Exemptions from chapter","order_by":null,"url":"\/46.2-2101\/"},{"id":54272,"section_number":"46.2-472","catch_line":"Coverage of owner's policy","order_by":null,"url":"\/46.2-472\/"}],"permalink":{"id":232693,"object_type":"law","relational_id":69617,"identifier":"46.2-2143.1","token":"46.2\/V\/21\/2\/46.2-2143.1","url":"\/46.2-2143.1\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/46.2-2143.1\/","token":"46.2\/V\/21\/2\/46.2-2143.1","dublin_core":{"Title":"Insurance requirement for motor carriers","Type":"Text","Format":"text\/html","Identifier":"\u00a7 46.2-2143.1","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> All motor carriers<\/span> shall keep in force at all times insurance, a bond<\/span>, or bonds<\/span> in an amount required by this section. However, motor carriers<\/span> exempt under subdivision 6 of § 46.2-2101<\/a> shall only be required to keep in force insurance, a bond<\/span>, or bonds<\/span> in the amount required by this section that provide primary coverage (i) when the motor carrier<\/span> or person<\/span> acting on behalf of the motor carrier<\/span> is available to transport property for compensation and (ii) from the time the motor carrier<\/span> or a person<\/span> acting for or on behalf of the motor carrier<\/span> accepts the request to transport property and the vehicle<\/span> is en route to pick up the property until the time the property has been removed from the vehicle<\/span> and delivered to its final destination. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> The minimum public liability financial responsibility<\/span> requirements for motor carriers<\/span> operating in intrastate<\/span> commerce shall be based on the gross vehicle<\/span> weight rating of the vehicle<\/span> as follows: for vehicles<\/span> with a gross vehicle<\/span> weight rating in excess of 10,000 pounds, the minimum requirement is $750,000; for vehicles<\/span> with a gross vehicle<\/span> weight rating in excess of 7,500 pounds but not in excess of 10,000 pounds, the minimum requirement is $300,000; and for passenger cars<\/span>, motorcycles<\/span>, autocycles<\/span>, and vehicles<\/span> with a gross vehicle<\/span> weight rating of 7,500 pounds or less, the minimum requirement for clause (i) of subsection A is the financial responsibility<\/span> requirements set forth in § 46.2-472<\/a> and for clause (ii) of subsection A is $100,000 per person<\/span> and $300,000 per incident for death and bodily injury and at least $50,000 for property damage. The minimum insurance for motor carriers<\/span> operating in interstate<\/span> commerce shall equal the minimum required by federal law<\/span>, rule, or regulation. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> Notwithstanding subsection B, the minimum public financial responsibility<\/span> requirements for household goods carriers<\/span><\/span> required to obtain a certificate of fitness<\/span> pursuant to this chapter shall be $750,000. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

D.<\/span> The minimum cargo insurance required for motor carriers<\/span> operating in intrastate<\/span> commerce shall be $50,000. Motor carriers<\/span> not engaged in the transportation<\/span> of household goods and those solely operating passenger cars<\/span>, motorcycles<\/span>, autocycles<\/span>, and vehicles<\/span> with a gross vehicle<\/span> weight rating of 7,500 pounds or less shall not be required to file any cargo insurance, bond<\/span>, or bonds<\/span> for cargo liability. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nINSURANCE REQUIREMENT FOR MOTOR CARRIERS (\u00a7 46.2-2143.1)\n\nA. All motor carriers shall keep in force at all times insurance, a bond, or\nbonds in an amount required by this section. However, motor carriers exempt\nunder subdivision 6 of § 46.2-2101 shall only be required to keep in force\ninsurance, a bond, or bonds in the amount required by this section that provide\nprimary coverage (i) when the motor carrier or person acting on behalf of the\nmotor carrier is available to transport property for compensation and (ii) from\nthe time the motor carrier or a person acting for or on behalf of the motor\ncarrier accepts the request to transport property and the vehicle is en route to\npick up the property until the time the property has been removed from the\nvehicle and delivered to its final destination.\n\nB. The minimum public liability financial responsibility requirements for motor\ncarriers operating in intrastate commerce shall be based on the gross vehicle\nweight rating of the vehicle as follows: for vehicles with a gross vehicle\nweight rating in excess of 10,000 pounds, the minimum requirement is $750,000;\nfor vehicles with a gross vehicle weight rating in excess of 7,500 pounds but\nnot in excess of 10,000 pounds, the minimum requirement is $300,000; and for\npassenger cars, motorcycles, autocycles, and vehicles with a gross vehicle\nweight rating of 7,500 pounds or less, the minimum requirement for clause (i) of\nsubsection A is the financial responsibility requirements set forth in §\n46.2-472 and for clause (ii) of subsection A is $100,000 per person and $300,000\nper incident for death and bodily injury and at least $50,000 for property\ndamage. The minimum insurance for motor carriers operating in interstate\ncommerce shall equal the minimum required by federal law, rule, or regulation.\n\nC. Notwithstanding subsection B, the minimum public financial responsibility\nrequirements for household goods carriers required to obtain a certificate of\nfitness pursuant to this chapter shall be $750,000.\n\nD. The minimum cargo insurance required for motor carriers operating in\nintrastate commerce shall be $50,000. Motor carriers not engaged in the\ntransportation of household goods and those solely operating passenger cars,\nmotorcycles, autocycles, and vehicles with a gross vehicle weight rating of\n7,500 pounds or less shall not be required to file any cargo insurance, bond, or\nbonds for cargo liability.\n\nHISTORY: 2012, c. 638; 2017, cc. 790, 815; 2023, c. 242.","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}}