{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/46.2-474.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/46.2-474.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/46.2-474.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/46.2-474.html"}],"law_id":67766,"edition_id":1,"section_id":67766,"structure_id":13280,"section_number":"46.2-474","catch_line":"Policy must contain certain agreement; additional coverage","history":"Code 1950, \u00a7 46-494; 1958, c. 541, \u00a7 46.1-506; 1989, c. 727.","full_text":"Every policy of insurance subject to the provisions of this chapter:\n\n1\n\nShall contain an agreement that the insurance is provided in accordance with the coverage defined in this chapter as respects bodily injury, death, property damage, and destruction and that it is subject to all the provisions of this chapter and of the laws of the Commonwealth relating to this kind of insurance; and2\n\nMay grant any lawful coverage in excess of or in addition to the coverage herein specified and this excess or additional coverage shall not be subject to the provisions of this chapter but shall be subject to other applicable laws of the Commonwealth.","order_by":null,"text":{"0":{"id":245466,"text":"Every policy of insurance subject to the provisions of this chapter:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":"1"},"1":{"id":245467,"text":"Shall contain an agreement that the insurance is provided in accordance with the coverage defined in this chapter as respects bodily injury, death, property damage, and destruction and that it is subject to all the provisions of this chapter and of the laws of the Commonwealth relating to this kind of insurance; and","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"prior_prefix":"","next_prefix":"2"},"2":{"id":245468,"text":"May grant any lawful coverage in excess of or in addition to the coverage herein specified and this excess or additional coverage shall not be subject to the provisions of this chapter but shall be subject to other applicable laws of the Commonwealth.","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1"}},"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}],"previous_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},"next_section":{"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},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/46.2-474\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. 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 1958, chapter 541; in 1989, chapter 727.<\/p>","references":false,"refers_to":false,"permalink":{"id":226165,"object_type":"law","relational_id":67766,"identifier":"46.2-474","token":"46.2\/II\/3\/17\/46.2-474","url":"\/46.2-474\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/46.2-474\/","token":"46.2\/II\/3\/17\/46.2-474","dublin_core":{"Title":"Policy must contain certain agreement; additional coverage","Type":"Text","Format":"text\/html","Identifier":"\u00a7 46.2-474","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Every policy of insurance subject to the provisions of this chapter:<\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Shall contain an agreement that the insurance is provided in accordance with the coverage defined in this chapter as respects bodily injury, death, property damage, and destruction and that it is subject to all the provisions of this chapter and of the laws<\/span> of the Commonwealth relating to this kind of insurance; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> May grant any lawful coverage in excess of or in addition to the coverage herein specified and this excess or additional coverage shall not be subject to the provisions of this chapter but shall be subject to other applicable laws<\/span> of the Commonwealth. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nPOLICY MUST CONTAIN CERTAIN AGREEMENT; ADDITIONAL COVERAGE (\u00a7 46.2-474)\n\nEvery policy of insurance subject to the provisions of this chapter:\n\n1. Shall contain an agreement that the insurance is provided in accordance with\nthe coverage defined in this chapter as respects bodily injury, death, property\ndamage, and destruction and that it is subject to all the provisions of this\nchapter and of the laws of the Commonwealth relating to this kind of insurance;\nand\n\n2. May grant any lawful coverage in excess of or in addition to the coverage\nherein specified and this excess or additional coverage shall not be subject to\nthe provisions of this chapter but shall be subject to other applicable laws of\nthe Commonwealth.\n\nHISTORY: Code 1950, \u00a7 46-494; 1958, c. 541, \u00a7 46.1-506; 1989, 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}}