                                 CODE OF VIRGINIA

REQUIRED NOTICE OF OPTIONAL COVERAGE AVAILABLE (§ 38.2-2202)

A. 1. No new policy for insurance covering liability arising out of the
ownership, maintenance, or use of any motor vehicle shall be issued or delivered
in the Commonwealth unless there is enclosed with the policy, in boldface type,
the following statement:
			&#8220;IMPORTANT NOTICE:
			IN ADDITION TO THE MINIMUM INSURANCE REQUIRED BY LAW, YOU MAY PURCHASE
ADDITIONAL INSURANCE COVERAGE FOR THE NAMED INSURED AND FOR HIS RELATIVES WHO
ARE MEMBERS OF HIS HOUSEHOLD WHILE IN OR UPON, ENTERING OR ALIGHTING FROM A
MOTOR VEHICLE, OR THROUGH BEING STRUCK BY A MOTOR VEHICLE WHILE NOT OCCUPYING A
MOTOR VEHICLE, AND FOR OCCUPANTS OF THE INSURED MOTOR VEHICLE. THE FOLLOWING
HEALTH CARE AND DISABILITY BENEFITS ARE AVAILABLE FOR EACH ACCIDENT:

   a. PAYMENT OF UP TO $2,000 PER PERSON FOR ALL REASONABLE AND NECESSARY
   EXPENSES FOR MEDICAL, CHIROPRACTIC, HOSPITAL, DENTAL, SURGICAL, PROSTHETIC AND
   REHABILITATION SERVICES, SERVICES PROVIDED BY AN EMERGENCY MEDICAL SERVICES
   VEHICLE AS DEFINED IN &#xA7; 32.1-111.1 OF THE CODE OF VIRGINIA , AND FUNERAL
   EXPENSES RESULTING FROM THE ACCIDENT AND INCURRED WITHIN THREE YEARS AFTER THE
   DATE OF THE ACCIDENT. HOWEVER, IF YOU DO NOT PURCHASE THE $2,000 LIMIT OF
   COVERAGE, YOU AND THE COMPANY MAY AGREE TO ANY OTHER LIMIT; AND;

   b. AN AMOUNT EQUAL TO THE LOSS OF INCOME UP TO $100 PER WEEK IF THE INJURED
   PERSON IS ENGAGED IN AN OCCUPATION FOR WHICH HE RECEIVES COMPENSATION, FROM
   THE FIRST WORKDAY LOST AS A RESULT OF THE ACCIDENT UP TO THE DATE THE PERSON
   IS ABLE TO RETURN TO HIS USUAL OCCUPATION. SUCH PAYMENTS ARE LIMITED TO A
   PERIOD EXTENDING ONE YEAR FROM THE DATE OF THE ACCIDENT.
   				IF YOU DESIRE TO PURCHASE EITHER OR BOTH OF THESE COVERAGES AT AN
   ADDITIONAL PREMIUM, YOU MAY DO SO BY CONTACTING THE AGENT OR COMPANY THAT
   ISSUED YOUR POLICY.&#8221;

      2. The insurer issuing the policy shall inform the insured by any reasonable
      means of communication of the approximate premium for the additional
      coverage.

B. No new policy of insurance covering liability arising out of the ownership,
maintenance, or use of any motor vehicle shall be issued or delivered in the
Commonwealth unless the following statement, printed in boldface type, is
enclosed with the policy:
			&#8220;IMPORTANT NOTICE:
			YOU ARE ENTITLED TO PURCHASE UNINSURED/UNDERINSURED COVERAGE LIMITS EQUAL TO
THE LIABILITY LIMITS ON YOUR MOTOR VEHICLE POLICY. HOWEVER, ANY ONE NAMED
INSURED HAS THE RIGHT TO REDUCE THE LIMITS OF THE UNINSURED/UNDERINSURED
MOTORIST COVERAGE TO LESS THAN THE LIABILITY LIMITS ON THE POLICY BUT NO LOWER
THAN THE FINANCIAL RESPONSIBILITY LIMITS REQUIRED BY &#xA7; 46.2-472 OF THE CODE
OF VIRGINIA. THE INSURER MAY REQUIRE THAT A REQUEST TO REDUCE COVERAGE BE IN
WRITING. ONCE ANY ONE NAMED INSURED REDUCES THE POLICY LIMITS FOR
UNINSURED/UNDERINSURED MOTORIST COVERAGE BELOW THE POLICY&#8217;S LIABILITY
LIMITS, THAT ELECTION IS BINDING ON ALL INSUREDS ON THE POLICY. LATER, IF YOU
DESIRE TO INCREASE YOUR LIMITS, YOU MUST MAKE A SPECIFIC REQUEST TO YOUR
INSURER. YOU MAY WANT TO PUT THIS REQUEST IN WRITING.
			BEFORE REDUCING THE LIMITS OF THE UNINSURED/UNDERINSURED MOTORIST COVERAGE,
YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION
IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS
OF AN UNINSURED/UNDERINSURED MOTORIST.&#8221;

C. No policy of insurance covering liability arising out of the ownership,
maintenance, or use of any motor vehicle shall be issued, delivered, or renewed
after July 1, 2025, in the Commonwealth unless the following statement, printed
in boldface type, is enclosed with the policy:
			&#8220;IMPORTANT NOTICE:
			YOUR INSURANCE IS REQUIRED TO PROVIDE UNDERINSURED MOTORIST COVERAGE THAT
PAYS ANY DAMAGES DUE TO AN INSURED IN ADDITION TO ANY BODILY INJURY OR PROPERTY
DAMAGE LIABILITY THAT IS APPLICABLE TO THE INSURED&#8217;S DAMAGES. YOU MAY
CHOOSE TO CHANGE THE WAY YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED.
DEPENDING ON THE CHANGE, YOU MAY REDUCE THE AMOUNT OF COVERAGE YOU HAVE AND YOUR
PREMIUM MAY CHANGE. CONTACT YOUR AGENT OR INSURER FOR ADDITIONAL INFORMATION.
			ANY REQUEST TO CHANGE HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED
MUST BE IN WRITING. ONCE ANY NAMED INSURED CHOOSES TO MAKE SUCH A CHANGE IN THE
UNDERINSURED MOTORIST COVERAGE, THAT CHANGE IS BINDING ON ALL INSUREDS ON THE
POLICY. ANY LATER CHANGES YOU MAY WISH TO MAKE TO HOW YOUR UNDERINSURED MOTORIST
COVERAGE IS CALCULATED MUST ALSO BE IN WRITING.
			BEFORE CHANGING HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED, YOU
SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT PROTECTION IN
THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO THE ACTIONS OF
AN UNDERINSURED MOTORIST.&#8221;

HISTORY: 1974, c. 607, § 38.1-380.2; 1977, c. 112; 1981, c. 245; 1982, cc. 450,
642; 1986, c. 562; 1987, c. 429; 1989, c. 243; 1992, c. 230; 2001, c. 564; 2015,
cc. 502, 503; 2016, c. 558; 2022, c. 308; 2025, c. 331.