{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/46.2-465.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/46.2-465.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/46.2-465.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/46.2-465.html"}],"law_id":76762,"edition_id":1,"section_id":76762,"structure_id":14333,"section_number":"46.2-465","catch_line":"Optional coverage for persons occupying insured motor vehicle and for named insured and his family","history":"1972, c. 859, \u00a7 46.1-497.1; 1973, c. 294; 1977, c. 112; 1982, c. 450; 1989, c. 727.","full_text":"Once an assigned risk policy has been issued to an insured, every insurer licensed in the Commonwealth issuing or delivering any policy or contract of bodily injury liability insurance, or of property damage liability insurance, covering liability arising from the ownership, maintenance, or use of any motor vehicle shall provide on request of the insured, on payment of premium established by law for the coverage (i) to the named insured and, while resident of the named insured’s household, the spouse and relatives of the named insured while occupying a motor vehicle or if struck by a motor vehicle while not occupying a motor vehicle; and (ii) to persons occupying the insured motor vehicle, the following health care and disability benefit for each accident:\n\n1\n\nMedical and chiropractic payments (accident insurance as defined in Article 2, § 38.2-101 et seq. of Chapter 1 of Title 38.2) coverages incurred within two years after the date of the accident, up to $2,000 per person;2\n\nIf the person is usually engaged in a remunerative occupation, an amount equal to the loss of income incurred within one year after the date of the accident resulting from injuries received in the accident up to $100 per week during the period from the first work day lost as a result of the accident up to the date on which the person is able to return to his usual occupation and for a period not to exceed fifty-two weeks or any part thereof; and3\n\nThe insured has the option of purchasing either or both of the coverages set forth in subdivisions 1 and 2 of this section.","order_by":null,"text":{"0":{"id":275665,"text":"Once an assigned risk policy has been issued to an insured, every insurer licensed in the Commonwealth issuing or delivering any policy or contract of bodily injury liability insurance, or of property damage liability insurance, covering liability arising from the ownership, maintenance, or use of any motor vehicle shall provide on request of the insured, on payment of premium established by law for the coverage (i) to the named insured and, while resident of the named insured’s household, the spouse and relatives of the named insured while occupying a motor vehicle or if struck by a motor vehicle while not occupying a motor vehicle; and (ii) to persons occupying the insured motor vehicle, the following health care and disability benefit for each accident:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":"1"},"1":{"id":275666,"text":"Medical and chiropractic payments (accident insurance as defined in Article 2, § 38.2-101 et seq. of Chapter 1 of Title 38.2) coverages incurred within two years after the date of the accident, up to $2,000 per person;","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"prior_prefix":"","next_prefix":"2"},"2":{"id":275667,"text":"If the person is usually engaged in a remunerative occupation, an amount equal to the loss of income incurred within one year after the date of the accident resulting from injuries received in the accident up to $100 per week during the period from the first work day lost as a result of the accident up to the date on which the person is able to return to his usual occupation and for a period not to exceed fifty-two weeks or any part thereof; and","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1","next_prefix":"3"},"3":{"id":275668,"text":"The insured has the option of purchasing either or both of the coverages set forth in subdivisions 1 and 2 of this section.","type":"section","prefixes":["3"],"prefix":"3","entire_prefix":"3","prefix_anchor":"3","level":1,"prior_prefix":"2"}},"ancestry":[{"id":14333,"edition_id":1,"name":"Assignment of Insurance Risks","identifier":"16","label":"article","depth":4,"order_by":1,"parent_id":12772,"metadata":{},"date_created":"2026-06-26 03:47:46","date_modified":"2026-06-26 03:47:46","permalink":{"id":226121,"object_type":"structure","relational_id":14333,"identifier":"16","token":"46.2\/II\/3\/16","url":"\/46.2\/II\/3\/16\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12772,"edition_id":1,"name":"Licensure of Drivers","identifier":"3","label":"chapter","depth":3,"order_by":1,"parent_id":12771,"metadata":{},"date_created":"2026-06-26 03:43:52","date_modified":"2026-06-26 03:43:52","permalink":{"id":225629,"object_type":"structure","relational_id":12772,"identifier":"3","token":"46.2\/II\/3","url":"\/46.2\/II\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12771,"edition_id":1,"name":"Titling, Registration and Licensure","identifier":"II","label":"subtitle","depth":2,"order_by":1,"parent_id":12770,"metadata":{},"date_created":"2026-06-26 03:43:52","date_modified":"2026-06-26 03:43:52","permalink":{"id":225627,"object_type":"structure","relational_id":12771,"identifier":"II","token":"46.2\/II","url":"\/46.2\/II\/","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":73362,"structure_id":14333,"section_number":"46.2-464","catch_line":"Application for assignment of risk to insurance carrier","url":"\/46.2-464\/","token":"46.2\/II\/3\/16\/46.2-464","metadata":false},{"id":76762,"structure_id":14333,"section_number":"46.2-465","catch_line":"Optional coverage for persons occupying insured motor vehicle and for named insured and his family","url":"\/46.2-465\/","token":"46.2\/II\/3\/16\/46.2-465","metadata":false},{"id":67947,"structure_id":14333,"section_number":"46.2-466","catch_line":"Regulations for assignment, rate classifications, and schedules","url":"\/46.2-466\/","token":"46.2\/II\/3\/16\/46.2-466","metadata":false},{"id":70808,"structure_id":14333,"section_number":"46.2-467","catch_line":"Action within power of Commission","url":"\/46.2-467\/","token":"46.2\/II\/3\/16\/46.2-467","metadata":false},{"id":84773,"structure_id":14333,"section_number":"46.2-468","catch_line":"Information filed with Commission by insurance carrier confidential","url":"\/46.2-468\/","token":"46.2\/II\/3\/16\/46.2-468","metadata":false},{"id":76393,"structure_id":14333,"section_number":"46.2-469","catch_line":"Commission not required to disclose reasons for action; liability of Commission for act or omission","url":"\/46.2-469\/","token":"46.2\/II\/3\/16\/46.2-469","metadata":false},{"id":61463,"structure_id":14333,"section_number":"46.2-470","catch_line":"Assignment of risks for nonresidents","url":"\/46.2-470\/","token":"46.2\/II\/3\/16\/46.2-470","metadata":false},{"id":55632,"structure_id":14333,"section_number":"46.2-471","catch_line":"Assignment of risks for certain carriers","url":"\/46.2-471\/","token":"46.2\/II\/3\/16\/46.2-471","metadata":false}],"previous_section":{"id":73362,"structure_id":14333,"section_number":"46.2-464","catch_line":"Application for assignment of risk to insurance carrier","url":"\/46.2-464\/","token":"46.2\/II\/3\/16\/46.2-464","metadata":false},"next_section":{"id":67947,"structure_id":14333,"section_number":"46.2-466","catch_line":"Regulations for assignment, rate classifications, and schedules","url":"\/46.2-466\/","token":"46.2\/II\/3\/16\/46.2-466","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/46.2-465\/","history_text":"

This law was first created in 1972. The record of its establishment is cataloged in chapter 859 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 1972 \u201cActs\u201d aren\u2019t available online. It has been modified 4 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 1973, chapter 294; in 1977, chapter 112; in 1982, chapter 450; in 1989, chapter 727.<\/p>","references":false,"refers_to":[{"id":72897,"section_number":"38.2-101","catch_line":"Classification of insurance","order_by":null,"url":"\/38.2-101\/"}],"permalink":{"id":226127,"object_type":"law","relational_id":76762,"identifier":"46.2-465","token":"46.2\/II\/3\/16\/46.2-465","url":"\/46.2-465\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/46.2-465\/","token":"46.2\/II\/3\/16\/46.2-465","dublin_core":{"Title":"Optional coverage for persons occupying insured motor vehicle and for named insured and his family","Type":"Text","Format":"text\/html","Identifier":"\u00a7 46.2-465","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Once an assigned risk policy has been issued to an insured<\/span>, every insurer licensed in the Commonwealth issuing or delivering any policy or contract<\/span> of bodily injury liability insurance, or of property damage liability insurance, covering liability arising from the ownership, maintenance, or use of any motor vehicle<\/span> shall provide on request of the insured<\/span>, on payment of premium established by law<\/span> for the coverage (i) to the named insured<\/span> and, while resident of the named insured<\/span>’s household, the spouse and relatives of the named insured<\/span> while occupying a motor vehicle<\/span> or if struck by a motor vehicle<\/span> while not occupying a motor vehicle<\/span>; and (ii) to persons occupying the insured<\/span> motor vehicle<\/span>, the following health care and disability benefit for each accident:<\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Medical and chiropractic payments (accident insurance as defined in Article 2, § 38.2-101<\/a> et seq. of Chapter 1 of Title 38.2) coverages incurred within two years after the date of the accident, up to $2,000 per person; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> If the person is usually engaged in a remunerative occupation, an amount equal to the loss of income incurred within one year after the date of the accident resulting from injuries received in the accident up to $100 per week during the period from the first work day lost as a result of the accident up to the date on which the person is able to return to his usual occupation and for a period not to exceed fifty-two weeks or any part thereof; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> The insured<\/span> has the option of purchasing either or both of the coverages set forth in subdivisions 1 and 2 of this section. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nOPTIONAL COVERAGE FOR PERSONS OCCUPYING INSURED MOTOR VEHICLE AND FOR NAMED\nINSURED AND HIS FAMILY (\u00a7 46.2-465)\n\nOnce an assigned risk policy has been issued to an insured, every insurer\nlicensed in the Commonwealth issuing or delivering any policy or contract of\nbodily injury liability insurance, or of property damage liability insurance,\ncovering liability arising from the ownership, maintenance, or use of any motor\nvehicle shall provide on request of the insured, on payment of premium\nestablished by law for the coverage (i) to the named insured and, while resident\nof the named insured’s household, the spouse and relatives of the named\ninsured while occupying a motor vehicle or if struck by a motor vehicle while\nnot occupying a motor vehicle; and (ii) to persons occupying the insured motor\nvehicle, the following health care and disability benefit for each accident:\n\n1. Medical and chiropractic payments (accident insurance as defined in Article\n2, § 38.2-101 et seq. of Chapter 1 of Title 38.2) coverages incurred within\ntwo years after the date of the accident, up to $2,000 per person;\n\n2. If the person is usually engaged in a remunerative occupation, an amount\nequal to the loss of income incurred within one year after the date of the\naccident resulting from injuries received in the accident up to $100 per week\nduring the period from the first work day lost as a result of the accident up to\nthe date on which the person is able to return to his usual occupation and for a\nperiod not to exceed fifty-two weeks or any part thereof; and\n\n3. The insured has the option of purchasing either or both of the coverages set\nforth in subdivisions 1 and 2 of this section.\n\nHISTORY: 1972, c. 859, \u00a7 46.1-497.1; 1973, c. 294; 1977, c. 112; 1982, c. 450;\n1989, c. 727.","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}}