{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/46.2-472.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/46.2-472.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/46.2-472.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/46.2-472.html"}],"law_id":54272,"edition_id":1,"section_id":54272,"structure_id":13280,"section_number":"46.2-472","catch_line":"Coverage of owner’s policy","history":"Code 1950, \u00a7 46-492; 1954, c. 378; 1958, cc. 501, 541, \u00a7 46.1-504; 1968, c. 685; 1972, c. 433; 1975, c. 382; 1978, c. 550; 1989, cc. 621, 727; 2021, Sp. Sess. I, c. 273.","full_text":"A\n\nFor all policies effective on or after January 1, 2022, but prior to January 1, 2025, every motor vehicle owner’s policy shall:1\n\nDesignate by explicit description or by appropriate reference, all motor vehicles with respect to which coverage is intended to be granted.2\n\nInsure as insured the person named and any other person using or responsible for the use of the motor vehicle or motor vehicles with the permission of the named insured.3\n\nInsure the insured or other person against loss from any liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by accident and arising out of the ownership, use, or operation of such motor vehicle or motor vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $30,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $60,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $20,000 because of injury to or destruction of property of others in any one accident.B\n\nFor all policies effective on or after January 1, 2025, every motor vehicle owner’s policy shall:1\n\nDesignate, by explicit description or appropriate reference, all motor vehicles with respect to which coverage is intended to be granted.2\n\nInsure as insured the person named and any other person using or responsible for the use of the motor vehicle or vehicles with the permission of the named insured.3\n\nInsure the insured or other person against loss from any liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by an accident and arising out of the ownership, use, or operation of such motor vehicle or vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $50,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $100,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $25,000 because of injury to or destruction of property of others in any one accident.","order_by":null,"text":{"0":{"id":199247,"text":"For all policies effective on or after January 1, 2022, but prior to January 1, 2025, every motor vehicle owner’s policy shall:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":199248,"text":"Designate by explicit description or by appropriate reference, all motor vehicles with respect to which coverage is intended to be granted.","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":199249,"text":"Insure as insured the person named and any other person using or responsible for the use of the motor vehicle or motor vehicles with the permission of the named insured.","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":199250,"text":"Insure the insured or other person against loss from any liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by accident and arising out of the ownership, use, or operation of such motor vehicle or motor vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $30,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $60,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $20,000 because of injury to or destruction of property of others in any one accident.","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"B"},"4":{"id":199251,"text":"For all policies effective on or after January 1, 2025, every motor vehicle owner’s policy shall:","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A3","next_prefix":"B1"},"5":{"id":199252,"text":"Designate, by explicit description or appropriate reference, all motor vehicles with respect to which coverage is intended to be granted.","type":"section","prefixes":["B","1"],"prefix":"1","entire_prefix":"B1","prefix_anchor":"B1","level":2,"prior_prefix":"B","next_prefix":"B2"},"6":{"id":199253,"text":"Insure as insured the person named and any other person using or responsible for the use of the motor vehicle or vehicles with the permission of the named insured.","type":"section","prefixes":["B","2"],"prefix":"2","entire_prefix":"B2","prefix_anchor":"B2","level":2,"prior_prefix":"B1","next_prefix":"B3"},"7":{"id":199254,"text":"Insure the insured or other person against loss from any liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by an accident and arising out of the ownership, use, or operation of such motor vehicle or vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $50,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $100,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $25,000 because of injury to or destruction of property of others in any one accident.","type":"section","prefixes":["B","3"],"prefix":"3","entire_prefix":"B3","prefix_anchor":"B3","level":2,"prior_prefix":"B2"}},"ancestry":[{"id":13280,"edition_id":1,"name":"Motor Vehicle Liability Insurance Policies","identifier":"17","label":"article","depth":4,"order_by":1,"parent_id":12772,"metadata":{},"date_created":"2026-06-26 03:44:34","date_modified":"2026-06-26 03:44:34","permalink":{"id":226155,"object_type":"structure","relational_id":13280,"identifier":"17","token":"46.2\/II\/3\/17","url":"\/46.2\/II\/3\/17\/","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":54272,"structure_id":13280,"section_number":"46.2-472","catch_line":"Coverage of owner's policy","url":"\/46.2-472\/","token":"46.2\/II\/3\/17\/46.2-472","metadata":false},{"id":76425,"structure_id":13280,"section_number":"46.2-473","catch_line":"Coverage of driver's policy","url":"\/46.2-473\/","token":"46.2\/II\/3\/17\/46.2-473","metadata":false},{"id":67766,"structure_id":13280,"section_number":"46.2-474","catch_line":"Policy must contain certain agreement; additional coverage","url":"\/46.2-474\/","token":"46.2\/II\/3\/17\/46.2-474","metadata":false},{"id":80360,"structure_id":13280,"section_number":"46.2-475","catch_line":"Policy must comply with law","url":"\/46.2-475\/","token":"46.2\/II\/3\/17\/46.2-475","metadata":false},{"id":84907,"structure_id":13280,"section_number":"46.2-476","catch_line":"Liability covered by workers' compensation law","url":"\/46.2-476\/","token":"46.2\/II\/3\/17\/46.2-476","metadata":false},{"id":79885,"structure_id":13280,"section_number":"46.2-477","catch_line":"When chapter applicable to policy","url":"\/46.2-477\/","token":"46.2\/II\/3\/17\/46.2-477","metadata":false},{"id":74642,"structure_id":13280,"section_number":"46.2-478","catch_line":"Several policies together meeting requirements of chapter","url":"\/46.2-478\/","token":"46.2\/II\/3\/17\/46.2-478","metadata":false},{"id":71886,"structure_id":13280,"section_number":"46.2-479","catch_line":"Provisions to which every policy shall be subject but need not contain","url":"\/46.2-479\/","token":"46.2\/II\/3\/17\/46.2-479","metadata":false},{"id":77720,"structure_id":13280,"section_number":"46.2-480","catch_line":"Reimbursement of carrier and proration of insurance","url":"\/46.2-480\/","token":"46.2\/II\/3\/17\/46.2-480","metadata":false},{"id":63275,"structure_id":13280,"section_number":"46.2-481","catch_line":"Binder or endorsement in lieu of policy","url":"\/46.2-481\/","token":"46.2\/II\/3\/17\/46.2-481","metadata":false},{"id":72339,"structure_id":13280,"section_number":"46.2-482","catch_line":"Notification of cancellation or termination of certified policy","url":"\/46.2-482\/","token":"46.2\/II\/3\/17\/46.2-482","metadata":false}],"next_section":{"id":76425,"structure_id":13280,"section_number":"46.2-473","catch_line":"Coverage of driver's policy","url":"\/46.2-473\/","token":"46.2\/II\/3\/17\/46.2-473","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/46.2-472\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 7 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 1954, chapter 378; in 1958, chapters 501 and 541; in 1968, chapter 685; in 1972, chapter 433; in 1975, chapter 382; in 1978, chapter 550; in 1989, chapters 621 and 727.<\/p>","references":[{"id":75263,"section_number":"38.2-2202","catch_line":"Required notice of optional coverage available","order_by":null,"url":"\/38.2-2202\/"},{"id":56297,"section_number":"38.2-2205","catch_line":"Liability insurance on motor vehicles; standard provisions; applicability of other valid and collectible insurance","order_by":null,"url":"\/38.2-2205\/"},{"id":76965,"section_number":"38.2-2206","catch_line":"Uninsured motorist insurance coverage","order_by":null,"url":"\/38.2-2206\/"},{"id":82691,"section_number":"46.2-100","catch_line":"Definitions","order_by":null,"url":"\/46.2-100\/"},{"id":83352,"section_number":"46.2-1531","catch_line":"Consignment vehicles; contract","order_by":null,"url":"\/46.2-1531\/"},{"id":69617,"section_number":"46.2-2143.1","catch_line":"Insurance requirement for motor carriers","order_by":null,"url":"\/46.2-2143.1\/"},{"id":80892,"section_number":"46.2-316","catch_line":"Persons convicted or found not innocent of certain offenses; requirement of proof of financial responsibility in the future for certain offenses","order_by":null,"url":"\/46.2-316\/"},{"id":80663,"section_number":"46.2-368","catch_line":"Certificate of self-insurance exempts from chapter","order_by":null,"url":"\/46.2-368\/"},{"id":57149,"section_number":"46.2-417","catch_line":"Suspension for failure to satisfy motor vehicle accident judgment; exceptions; insurance in liquidated company; insurer obligated to pay judgment","order_by":null,"url":"\/46.2-417\/"},{"id":83456,"section_number":"46.2-441","catch_line":"Nonresident may file proof of financial responsibility in the future from insurance company or other state-authorized entity providing insurance","order_by":null,"url":"\/46.2-441\/"},{"id":71761,"section_number":"46.2-453","catch_line":"Proof of financial responsibility by delivering cash or securities","order_by":null,"url":"\/46.2-453\/"},{"id":76189,"section_number":"46.2-705","catch_line":"Definitions","order_by":null,"url":"\/46.2-705\/"}],"refers_to":false,"permalink":{"id":226157,"object_type":"law","relational_id":54272,"identifier":"46.2-472","token":"46.2\/II\/3\/17\/46.2-472","url":"\/46.2-472\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/46.2-472\/","token":"46.2\/II\/3\/17\/46.2-472","dublin_core":{"Title":"Coverage of owner’s policy","Type":"Text","Format":"text\/html","Identifier":"\u00a7 46.2-472","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> For all policies effective on or after January 1, 2022, but prior to January 1, 2025, every motor vehicle<\/span> owner<\/span>’s policy shall: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Designate by explicit description or by appropriate reference, all motor vehicles<\/span> with respect to which coverage is intended to be granted. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Insure as insured<\/span> the person named and any other person using or responsible for the use of the motor vehicle<\/span> or motor vehicles<\/span> with the permission of the named insured<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Insure the insured<\/span> or other person against loss from any liability imposed by law<\/span> for damages<\/span>, including damages<\/span> for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by accident and arising out of the ownership, use, or operation of such motor vehicle<\/span> or motor vehicles<\/span> within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle<\/span>, of $30,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $60,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $20,000 because of injury to or destruction of property of others in any one accident. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> For all policies effective on or after January 1, 2025, every motor vehicle<\/span> owner<\/span>’s policy shall: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Designate, by explicit description or appropriate reference, all motor vehicles<\/span> with respect to which coverage is intended to be granted. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Insure as insured<\/span> the person named and any other person using or responsible for the use of the motor vehicle<\/span> or vehicles with the permission of the named insured<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Insure the insured<\/span> or other person against loss from any liability imposed by law<\/span> for damages<\/span>, including damages<\/span> for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by an accident and arising out of the ownership, use, or operation of such motor vehicle<\/span> or vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle<\/span>, of $50,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $100,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $25,000 because of injury to or destruction of property of others in any one accident. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nCOVERAGE OF OWNER’S POLICY (\u00a7 46.2-472)\n\nA. For all policies effective on or after January 1, 2022, but prior to January\n1, 2025, every motor vehicle owner’s policy shall:\n\n 1. Designate by explicit description or by appropriate reference, all motor\n vehicles with respect to which coverage is intended to be granted.\n\n 2. Insure as insured the person named and any other person using or\n responsible for the use of the motor vehicle or motor vehicles with the\n permission of the named insured.\n\n 3. Insure the insured or other person against loss from any liability imposed\n by law for damages, including damages for care and loss of services, because\n of bodily injury to or death of any person, and injury to or destruction of\n property caused by accident and arising out of the ownership, use, or\n operation of such motor vehicle or motor vehicles within the Commonwealth, any\n other state in the United States, or Canada, subject to a limit exclusive of\n interest and costs, with respect to each motor vehicle, of $30,000 because of\n bodily injury to or death of one person in any one accident and, subject to\n the limit for one person, to a limit of $60,000 because of bodily injury to or\n death of two or more persons in any one accident, and to a limit of $20,000\n because of injury to or destruction of property of others in any one accident.\n\nB. For all policies effective on or after January 1, 2025, every motor vehicle\nowner’s policy shall:\n\n 1. Designate, by explicit description or appropriate reference, all motor\n vehicles with respect to which coverage is intended to be granted.\n\n 2. Insure as insured the person named and any other person using or\n responsible for the use of the motor vehicle or vehicles with the permission\n of the named insured.\n\n 3. Insure the insured or other person against loss from any liability imposed\n by law for damages, including damages for care and loss of services, because\n of bodily injury to or death of any person, and injury to or destruction of\n property caused by an accident and arising out of the ownership, use, or\n operation of such motor vehicle or vehicles within the Commonwealth, any other\n state in the United States, or Canada, subject to a limit exclusive of\n interest and costs, with respect to each motor vehicle, of $50,000 because of\n bodily injury to or death of one person in any one accident and, subject to\n the limit for one person, to a limit of $100,000 because of bodily injury to\n or death of two or more persons in any one accident, and to a limit of $25,000\n because of injury to or destruction of property of others in any one accident.\n\nHISTORY: Code 1950, \u00a7 46-492; 1954, c. 378; 1958, cc. 501, 541, \u00a7 46.1-504;\n1968, c. 685; 1972, c. 433; 1975, c. 382; 1978, c. 550; 1989, cc. 621, 727;\n2021, Sp. Sess. I, c. 273.","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}}