{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/46.2-2143.2.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/46.2-2143.2.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/46.2-2143.2.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/46.2-2143.2.html"}],"law_id":54571,"edition_id":1,"section_id":54571,"structure_id":13603,"section_number":"46.2-2143.2","catch_line":"Special insurance provisions for certain carriers","history":"2017, cc. 790, 815.","full_text":"A\n\nThe provisions of this section shall apply only to motor carriers exempt under subdivision 6 of § 46.2-2101 and insurance policies maintained by such carriers pursuant to this article.B\n\nInsurance coverage for motor carriers shall be primary, and the requirements of \u00a7 46.2-2143.1 may be satisfied by any of the following:1\n\nInsurance maintained by the motor carrier;2\n\nInsurance maintained by another person on behalf of the motor carrier; or3\n\nAny combination of subdivisions 1 and 2.C\n\nA motor carrier may meet its obligation under subsection B of § 46.2-2143.1 through a policy obtained by a person other than the carrier under subdivision B 2 or 3 only if the motor carrier verifies that the policy is maintained by such other person.D\n\nInsurers providing coverage under subsection B of § 46.2-2143.1 shall have the exclusive duty to defend any liability claim, including any claim against a motor carrier or person acting for or on behalf of the motor carrier, arising from an accident occurring within the time period specified in subsection A of § 46.2-2143.1. Insurers of the personal automobile insurance policy of neither a person acting for or on behalf of the motor carrier nor the vehicle’s owner shall have the duty to defend or indemnify the activities of a person acting for or on behalf of a motor carrier in connection with the motor carrier unless such policy expressly provides otherwise for the period of time to which subsection A of § 46.2-2143.1 is applicable or the policy contains an amendment or endorsement to provide that coverage.E\n\nCoverage under a motor carrier’s insurance policy shall not be dependent on a personal automobile policy’s first denying a claim, nor shall a personal automobile insurance policy be required to first deny a claim.F\n\nNothing in this section shall be construed to require a personal automobile insurance policy to provide primary or excess coverage. The personal automobile insurance policy of neither a person acting for or on behalf of the motor carrier nor the vehicle’s owner shall provide coverage for activities in connection with the motor carrier to such person acting for or on behalf of the motor carrier, the vehicle owner, or any third party unless such policy expressly provides otherwise for the period of time to which subsection A of § 46.2-2143.1 is applicable or the policy contains an amendment or endorsement to provide that coverage.G\n\nIn every instance where motor carrier insurance maintained by a person other than the motor carrier to fulfill the insurance obligations of subsection B of § 46.2-2143.1 has lapsed or ceased to exist, the motor carrier shall provide the coverage required by that subsection beginning with the first dollar of a claim.H\n\nThis section shall not limit the liability of a motor carrier arising out of an accident involving a person acting for or on behalf of the carrier in any action for damages against a motor carrier for an amount above the required insurance coverage.I\n\nAny person, or an attorney acting on his behalf, who suffers a loss in an automobile accident with a reasonable belief that the accident involves a vehicle operated by a person acting for or on behalf of a motor carrier and who provides the motor carrier with the date, approximate time, and location of the accident, the name of the vehicle operator, if available, and the accident report, if available, may request in writing from the motor carrier information relating to the insurance coverage and the company providing the coverage. The motor carrier shall respond electronically or in writing within 30 days. The motor carrier’s response shall contain the following information: (i) whether, at the approximate time of the accident, the vehicle was being operated for or on behalf of the motor carrier; (ii) the name of the insurance carrier providing primary coverage; and (iii) the identity and last known address of the vehicle operator.J\n\nAny insurance required by subsection B of § 46.2-2143.1 may be placed with an insurer that has been admitted in Virginia or with an insurer providing surplus lines insurance as defined in § 38.2-4805.2.K\n\nAny insurance policy required by subsection B of § 46.2-2143.1 shall satisfy the financial responsibility requirement for a motor vehicle under § 46.2-706 during the period such vehicle is being operated for or on behalf of a motor carrier.L\n\nIf a vehicle operated by a person acting for or on behalf of a motor carrier is insured under a personal automobile insurance policy that does not exclude coverage, then such policy shall provide primary coverage and an insurance policy maintained by the motor carrier under § 46.2-2143.1 shall provide excess coverage up to at least the limits required by § 46.2-2143.1.M\n\nIn a claims coverage investigation, a motor carrier and its insurer shall cooperate with insurers involved in the claims coverage investigation to facilitate the exchange of information, including the date and time of any accident involving a vehicle operated for or on behalf of the motor carrier and the precise times that the vehicle was being operated for or on behalf of the motor carrier.","order_by":null,"text":{"0":{"id":200379,"text":"The provisions of this section shall apply only to motor carriers exempt under subdivision 6 of § 46.2-2101 and insurance policies maintained by such carriers pursuant to this article.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":200380,"text":"Insurance coverage for motor carriers shall be primary, and the requirements of \u00a7 46.2-2143.1 may be satisfied by any of the following:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"B1"},"2":{"id":200381,"text":"Insurance maintained by the motor carrier;","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"3":{"id":200382,"text":"Insurance maintained by another person on behalf of the motor carrier; or","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1","next_prefix":"B3"},"4":{"id":200383,"text":"Any combination of subdivisions 1 and 2.","type":"section","prefixes":["B","3"],"prefix":"3","entire_prefix":"B3","prefix_anchor":"B3","level":2,"prior_prefix":"B2","next_prefix":"C"},"5":{"id":200384,"text":"A motor carrier may meet its obligation under subsection B of § 46.2-2143.1 through a policy obtained by a person other than the carrier under subdivision B 2 or 3 only if the motor carrier verifies that the policy is maintained by such other person.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B3","next_prefix":"D"},"6":{"id":200385,"text":"Insurers providing coverage under subsection B of § 46.2-2143.1 shall have the exclusive duty to defend any liability claim, including any claim against a motor carrier or person acting for or on behalf of the motor carrier, arising from an accident occurring within the time period specified in subsection A of § 46.2-2143.1. Insurers of the personal automobile insurance policy of neither a person acting for or on behalf of the motor carrier nor the vehicle’s owner shall have the duty to defend or indemnify the activities of a person acting for or on behalf of a motor carrier in connection with the motor carrier unless such policy expressly provides otherwise for the period of time to which subsection A of § 46.2-2143.1 is applicable or the policy contains an amendment or endorsement to provide that coverage.","type":"section","prefixes":["D"],"prefix":"D","entire_prefix":"D","prefix_anchor":"D","level":1,"prior_prefix":"C","next_prefix":"E"},"7":{"id":200386,"text":"Coverage under a motor carrier’s insurance policy shall not be dependent on a personal automobile policy’s first denying a claim, nor shall a personal automobile insurance policy be required to first deny a claim.","type":"section","prefixes":["E"],"prefix":"E","entire_prefix":"E","prefix_anchor":"E","level":1,"prior_prefix":"D","next_prefix":"F"},"8":{"id":200387,"text":"Nothing in this section shall be construed to require a personal automobile insurance policy to provide primary or excess coverage. The personal automobile insurance policy of neither a person acting for or on behalf of the motor carrier nor the vehicle’s owner shall provide coverage for activities in connection with the motor carrier to such person acting for or on behalf of the motor carrier, the vehicle owner, or any third party unless such policy expressly provides otherwise for the period of time to which subsection A of § 46.2-2143.1 is applicable or the policy contains an amendment or endorsement to provide that coverage.","type":"section","prefixes":["F"],"prefix":"F","entire_prefix":"F","prefix_anchor":"F","level":1,"prior_prefix":"E","next_prefix":"G"},"9":{"id":200388,"text":"In every instance where motor carrier insurance maintained by a person other than the motor carrier to fulfill the insurance obligations of subsection B of § 46.2-2143.1 has lapsed or ceased to exist, the motor carrier shall provide the coverage required by that subsection beginning with the first dollar of a claim.","type":"section","prefixes":["G"],"prefix":"G","entire_prefix":"G","prefix_anchor":"G","level":1,"prior_prefix":"F","next_prefix":"H"},"10":{"id":200389,"text":"This section shall not limit the liability of a motor carrier arising out of an accident involving a person acting for or on behalf of the carrier in any action for damages against a motor carrier for an amount above the required insurance coverage.","type":"section","prefixes":["H"],"prefix":"H","entire_prefix":"H","prefix_anchor":"H","level":1,"prior_prefix":"G","next_prefix":"I"},"11":{"id":200390,"text":"Any person, or an attorney acting on his behalf, who suffers a loss in an automobile accident with a reasonable belief that the accident involves a vehicle operated by a person acting for or on behalf of a motor carrier and who provides the motor carrier with the date, approximate time, and location of the accident, the name of the vehicle operator, if available, and the accident report, if available, may request in writing from the motor carrier information relating to the insurance coverage and the company providing the coverage. The motor carrier shall respond electronically or in writing within 30 days. The motor carrier’s response shall contain the following information: (i) whether, at the approximate time of the accident, the vehicle was being operated for or on behalf of the motor carrier; (ii) the name of the insurance carrier providing primary coverage; and (iii) the identity and last known address of the vehicle operator.","type":"section","prefixes":["I"],"prefix":"I","entire_prefix":"I","prefix_anchor":"I","level":1,"prior_prefix":"H","next_prefix":"J"},"12":{"id":200391,"text":"Any insurance required by subsection B of § 46.2-2143.1 may be placed with an insurer that has been admitted in Virginia or with an insurer providing surplus lines insurance as defined in § 38.2-4805.2.","type":"section","prefixes":["J"],"prefix":"J","entire_prefix":"J","prefix_anchor":"J","level":1,"prior_prefix":"I","next_prefix":"K"},"13":{"id":200392,"text":"Any insurance policy required by subsection B of § 46.2-2143.1 shall satisfy the financial responsibility requirement for a motor vehicle under § 46.2-706 during the period such vehicle is being operated for or on behalf of a motor carrier.","type":"section","prefixes":["K"],"prefix":"K","entire_prefix":"K","prefix_anchor":"K","level":1,"prior_prefix":"J","next_prefix":"L"},"14":{"id":200393,"text":"If a vehicle operated by a person acting for or on behalf of a motor carrier is insured under a personal automobile insurance policy that does not exclude coverage, then such policy shall provide primary coverage and an insurance policy maintained by the motor carrier under § 46.2-2143.1 shall provide excess coverage up to at least the limits required by § 46.2-2143.1.","type":"section","prefixes":["L"],"prefix":"L","entire_prefix":"L","prefix_anchor":"L","level":1,"prior_prefix":"K","next_prefix":"M"},"15":{"id":200394,"text":"In a claims coverage investigation, a motor carrier and its insurer shall cooperate with insurers involved in the claims coverage investigation to facilitate the exchange of information, including the date and time of any accident involving a vehicle operated for or on behalf of the motor carrier and the precise times that the vehicle was being operated for or on behalf of the motor carrier.","type":"section","prefixes":["M"],"prefix":"M","entire_prefix":"M","prefix_anchor":"M","level":1,"prior_prefix":"L"}},"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":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},"next_section":{"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},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/46.2-2143.2\/","history_text":"

This law was first created in 2017. The record of its establishment is cataloged in chapters 790<\/a> and 815<\/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.<\/p>","references":false,"refers_to":[{"id":68493,"section_number":"46.2-2101","catch_line":"Exemptions from chapter","order_by":null,"url":"\/46.2-2101\/"},{"id":69617,"section_number":"46.2-2143.1","catch_line":"Insurance requirement for motor carriers","order_by":null,"url":"\/46.2-2143.1\/"},{"id":81183,"section_number":"46.2-706","catch_line":"Proof of insurance required of applicants for registration of motor vehicles; verification of insurance; suspension of driver's license, registration certificates, and license plates for certain violations","order_by":null,"url":"\/46.2-706\/"}],"permalink":{"id":232697,"object_type":"law","relational_id":54571,"identifier":"46.2-2143.2","token":"46.2\/V\/21\/2\/46.2-2143.2","url":"\/46.2-2143.2\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/46.2-2143.2\/","token":"46.2\/V\/21\/2\/46.2-2143.2","dublin_core":{"Title":"Special insurance provisions for certain carriers","Type":"Text","Format":"text\/html","Identifier":"\u00a7 46.2-2143.2","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> The provisions of this section shall apply only to motor carriers<\/span> exempt under subdivision 6 of § 46.2-2101<\/a> and insurance policies maintained by such carriers pursuant to this article. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> Insurance coverage for motor carriers<\/span> shall be primary, and the requirements of \u00a7 46.2-2143.1<\/a> may be satisfied by any of the following: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Insurance maintained by the motor carrier<\/span>; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Insurance maintained by another person<\/span> on behalf of the motor carrier<\/span>; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Any combination of subdivisions 1 and 2. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> A motor carrier<\/span> may meet its obligation under subsection B of § 46.2-2143.1<\/a> through a policy obtained by a person<\/span> other than the carrier under subdivision B 2 or 3 only if the motor carrier<\/span> verifies that the policy is maintained by such other person<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

D.<\/span> Insurers providing coverage under subsection B of § 46.2-2143.1<\/a> shall have the exclusive duty to defend any liability claim, including any claim against a motor carrier<\/span> or person<\/span> acting for or on behalf of the motor carrier<\/span>, arising from an accident occurring within the time period specified in subsection A of § 46.2-2143.1<\/a>. Insurers of the personal automobile insurance policy of neither a person<\/span> acting for or on behalf of the motor carrier<\/span> nor the vehicle<\/span>’s owner<\/span> shall have the duty to defend or indemnify the activities of a person<\/span> acting for or on behalf of a motor carrier<\/span> in connection with the motor carrier<\/span> unless such policy expressly provides otherwise for the period of time to which subsection A of § 46.2-2143.1<\/a> is applicable or the policy contains an amendment or endorsement to provide that coverage. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

E.<\/span> Coverage under a motor carrier<\/span>’s insurance policy shall not be dependent on a personal automobile policy’s first denying a claim, nor shall a personal automobile insurance policy be required to first deny a claim. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

F.<\/span> Nothing in this section shall be construed to require a personal automobile insurance policy to provide primary or excess coverage. The personal automobile insurance policy of neither a person<\/span> acting for or on behalf of the motor carrier<\/span> nor the vehicle<\/span>’s owner<\/span> shall provide coverage for activities in connection with the motor carrier<\/span> to such person<\/span> acting for or on behalf of the motor carrier<\/span>, the vehicle<\/span> owner<\/span>, or any third party<\/span> unless such policy expressly provides otherwise for the period of time to which subsection A of § 46.2-2143.1<\/a> is applicable or the policy contains an amendment or endorsement to provide that coverage. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

G.<\/span> In every instance where motor carrier<\/span> insurance maintained by a person<\/span> other than the motor carrier<\/span> to fulfill the insurance obligations of subsection B of § 46.2-2143.1<\/a> has lapsed or ceased to exist, the motor carrier<\/span> shall provide the coverage required by that subsection beginning with the first dollar of a claim. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

H.<\/span> This section shall not limit the liability of a motor carrier<\/span> arising out of an accident involving a person<\/span> acting for or on behalf of the carrier in any action for damages<\/span> against a motor carrier<\/span> for an amount above the required insurance coverage. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

I.<\/span> Any person<\/span>, or an attorney acting on his behalf, who suffers a loss in an automobile accident with a reasonable belief that the accident involves a vehicle<\/span> operated by a person<\/span> acting for or on behalf of a motor carrier<\/span> and who provides the motor carrier<\/span> with the date, approximate time, and location of the accident, the name of the vehicle<\/span> operator<\/span>, if available, and the accident report, if available, may request in writing from the motor carrier<\/span> information relating to the insurance coverage and the company providing the coverage. The motor carrier<\/span> shall respond electronically or in writing within 30 days. The motor carrier<\/span>’s response shall contain the following information: (i) whether, at the approximate time of the accident, the vehicle<\/span> was being operated for or on behalf of the motor carrier<\/span>; (ii) the name of the insurance carrier providing primary coverage; and (iii) the identity and last known address of the vehicle<\/span> operator<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

J.<\/span> Any insurance required by subsection B of § 46.2-2143.1<\/a> may be placed with an insurer that has been admitted in Virginia or with an insurer providing surplus lines insurance as defined in § 38.2-4805.2<\/a>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

K.<\/span> Any insurance policy required by subsection B of § 46.2-2143.1<\/a> shall satisfy the financial responsibility<\/span> requirement for a motor vehicle<\/span> under § 46.2-706<\/a> during the period such vehicle is being operated for or on behalf of a motor carrier<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

L.<\/span> If a vehicle operated by a person<\/span> acting for or on behalf of a motor carrier<\/span> is insured under a personal automobile insurance policy that does not exclude coverage, then such policy shall provide primary coverage and an insurance policy maintained by the motor carrier<\/span> under § 46.2-2143.1<\/a> shall provide excess coverage up to at least the limits required by § 46.2-2143.1<\/a>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

M.<\/span> In a claims coverage investigation, a motor carrier<\/span> and its insurer shall cooperate with insurers involved in the claims coverage investigation to facilitate the exchange of information, including the date and time of any accident involving a vehicle operated for or on behalf of the motor carrier<\/span> and the precise times that the vehicle was being operated for or on behalf of the motor carrier<\/span>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nSPECIAL INSURANCE PROVISIONS FOR CERTAIN CARRIERS (\u00a7 46.2-2143.2)\n\nA. The provisions of this section shall apply only to motor carriers exempt\nunder subdivision 6 of § 46.2-2101 and insurance policies maintained by\nsuch carriers pursuant to this article.\n\nB. Insurance coverage for motor carriers shall be primary, and the requirements\nof \u00a7 46.2-2143.1 may be satisfied by any of the following:\n\n 1. Insurance maintained by the motor carrier;\n\n 2. Insurance maintained by another person on behalf of the motor carrier; or\n\n 3. Any combination of subdivisions 1 and 2.\n\nC. A motor carrier may meet its obligation under subsection B of §\n46.2-2143.1 through a policy obtained by a person other than the carrier under\nsubdivision B 2 or 3 only if the motor carrier verifies that the policy is\nmaintained by such other person.\n\nD. Insurers providing coverage under subsection B of § 46.2-2143.1 shall\nhave the exclusive duty to defend any liability claim, including any claim\nagainst a motor carrier or person acting for or on behalf of the motor carrier,\narising from an accident occurring within the time period specified in\nsubsection A of § 46.2-2143.1. Insurers of the personal automobile\ninsurance policy of neither a person acting for or on behalf of the motor\ncarrier nor the vehicle’s owner shall have the duty to defend or indemnify\nthe activities of a person acting for or on behalf of a motor carrier in\nconnection with the motor carrier unless such policy expressly provides\notherwise for the period of time to which subsection A of § 46.2-2143.1 is\napplicable or the policy contains an amendment or endorsement to provide that\ncoverage.\n\nE. Coverage under a motor carrier’s insurance policy shall not be\ndependent on a personal automobile policy’s first denying a claim, nor\nshall a personal automobile insurance policy be required to first deny a claim.\n\nF. Nothing in this section shall be construed to require a personal automobile\ninsurance policy to provide primary or excess coverage. The personal automobile\ninsurance policy of neither a person acting for or on behalf of the motor\ncarrier nor the vehicle’s owner shall provide coverage for activities in\nconnection with the motor carrier to such person acting for or on behalf of the\nmotor carrier, the vehicle owner, or any third party unless such policy\nexpressly provides otherwise for the period of time to which subsection A of\n§ 46.2-2143.1 is applicable or the policy contains an amendment or\nendorsement to provide that coverage.\n\nG. In every instance where motor carrier insurance maintained by a person other\nthan the motor carrier to fulfill the insurance obligations of subsection B of\n§ 46.2-2143.1 has lapsed or ceased to exist, the motor carrier shall\nprovide the coverage required by that subsection beginning with the first dollar\nof a claim.\n\nH. This section shall not limit the liability of a motor carrier arising out of\nan accident involving a person acting for or on behalf of the carrier in any\naction for damages against a motor carrier for an amount above the required\ninsurance coverage.\n\nI. Any person, or an attorney acting on his behalf, who suffers a loss in an\nautomobile accident with a reasonable belief that the accident involves a\nvehicle operated by a person acting for or on behalf of a motor carrier and who\nprovides the motor carrier with the date, approximate time, and location of the\naccident, the name of the vehicle operator, if available, and the accident\nreport, if available, may request in writing from the motor carrier information\nrelating to the insurance coverage and the company providing the coverage. The\nmotor carrier shall respond electronically or in writing within 30 days. The\nmotor carrier’s response shall contain the following information: (i)\nwhether, at the approximate time of the accident, the vehicle was being operated\nfor or on behalf of the motor carrier; (ii) the name of the insurance carrier\nproviding primary coverage; and (iii) the identity and last known address of the\nvehicle operator.\n\nJ. Any insurance required by subsection B of § 46.2-2143.1 may be placed\nwith an insurer that has been admitted in Virginia or with an insurer providing\nsurplus lines insurance as defined in § 38.2-4805.2.\n\nK. Any insurance policy required by subsection B of § 46.2-2143.1 shall\nsatisfy the financial responsibility requirement for a motor vehicle under\n§ 46.2-706 during the period such vehicle is being operated for or on\nbehalf of a motor carrier.\n\nL. If a vehicle operated by a person acting for or on behalf of a motor carrier\nis insured under a personal automobile insurance policy that does not exclude\ncoverage, then such policy shall provide primary coverage and an insurance\npolicy maintained by the motor carrier under § 46.2-2143.1 shall provide\nexcess coverage up to at least the limits required by § 46.2-2143.1.\n\nM. In a claims coverage investigation, a motor carrier and its insurer shall\ncooperate with insurers involved in the claims coverage investigation to\nfacilitate the exchange of information, including the date and time of any\naccident involving a vehicle operated for or on behalf of the motor carrier and\nthe precise times that the vehicle was being operated for or on behalf of the\nmotor carrier.\n\nHISTORY: 2017, cc. 790, 815.","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}}