Code of Virginia - Title 38.2 Insurance - Chapter 3 Provisions Relating To Insurance Policies And Contracts

38.2-300 Scope of chapter
This chapter shall apply to all classes of insurance except: 1. Ocean marine insurance other than private pleasure vessels; 2. Life insurance policies and accident ...

38.2-301 Insurable interest required; life, accident and sickness insurance
A. Any individual of lawful age may take out an insurance contract upon himself for the benefit of any person. No person shall knowingly procure ...

38.2-302 Life, accident and sickness insurance; application required
A. No contract of insurance upon a person shall be made or effectuated unless at the time of the making of the contract the individual ...

38.2-303 Insurable interest required; property insurance
A. No insurance contract on property or on any interest therein or arising therefrom shall be enforceable except for the benefit of persons having an ...

38.2-304 Contracts of temporary insurance; duration; what deemed to include
A. Oral or written binders or other temporary insurance contracts may be made and used for a period not exceeding sixty days pending the issuance ...

38.2-305 Contents of policies
A. Each insurance policy or contract shall specify: 1. The names of the parties to the contract; 2. The subject of the insurance; 3. The ...

38.2-306 Additional contents
A policy or contract may contain additional provisions that are not substantially in conflict with this title and that: 1. Are required to be inserted ...

38.2-307 Charter and bylaw provisions in policies
No policy shall contain any provision purporting to make any portion of the charter, bylaws or other organic law of the insurer, however designated, a ...

38.2-308 Contingent liability provisions in policies issued by certain mutual insurers
Except in the case of nonassessable policies, the contingent liability of each member of a mutual insurer, other than a life insurer, shall be clearly ...

38.2-309 When answers or statements of applicant do not bar recovery on policy
All statements, declarations and descriptions in any application for an insurance policy or for the reinstatement of an insurance policy shall be deemed representations and ...

38.2-310 All fees, charges, etc., to be stated in policy
A. All fees, charges, premiums or other consideration charged for the insurance or for the procurement of insurance shall be stated in the policy except ...

38.2-311 Type size in which conditions and restrictions to be printed
Except as otherwise provided in this title, no restriction, condition or provision in or endorsed on any insurance policy shall be valid unless the condition ...

38.2-312 Provisions limiting jurisdiction, or requiring construction of contracts by law of other states, pr...
No insurance contract delivered or issued for delivery in this Commonwealth and covering subjects which are located or residing in this Commonwealth, or which are ...

38.2-313 Where certain contracts deemed made
All insurance contracts on or with respect to the ownership, maintenance or use of property in this Commonwealth shall be deemed to have been made ...

38.2-314 Limitation of action and proof of loss
No provision in any insurance policy shall be valid if it limits the time within which an action may be brought to less than one ...

38.2-315 Intervening breach
If any breach of warranty or condition in any insurance contract covering property located in this Commonwealth occurs prior to a loss under the contract, ...

38.2-316 Policy forms to be filed with Commission; notice of approval or disapproval; exceptions
A. No policy of life insurance, industrial life insurance, variable life insurance, modified guaranteed life insurance, group life insurance, accident and sickness insurance, or group ...

38.2-317 Delivery and use of certain policies and endorsements
A. No insurance policy or endorsement of the kind to which Chapter 19 (§ 38.2-1900 et seq.) of this title applies shall be delivered or ...

38.2-318 Validity of noncomplying forms
A. Any insurance policy or form containing any condition or provision that is not in compliance with this title shall be valid, but shall be ...

38.2-319 Validity of contracts in violation of law
Any insurance contract made in violation of the laws of this Commonwealth may be enforced against the insurer. (Code 1950, §§ 38-32, 38-223; 1952, c. ...

38.2-320 Insurer to furnish forms for proof of loss
Whenever notice of any loss or damage has been given to the insurer or its agent, the insurer shall, upon written request, deliver to the ...

38.2-321 Payment discharges insurer
A. An insurer shall be fully discharged from all claims under a life insurance policy, accident and sickness insurance policy, or annuity contract: 1. When ...

38.2-322 Standardized claims forms
A. No accident and sickness insurer, health maintenance organization, health services plan, or optometric services plan licensed in the Commonwealth shall refuse to accept, as ...

38.2-323 Countersignature requirements prohibited
No insurance policy shall contain any provision that deems the policy to be invalid due to the absence of the signature or countersignature of an ...

38.2-324 Disclosure of property damage information
Nothing in this title shall prohibit an insurer or its agent from disclosing information obtained from policyholders or other persons regarding claims or reports of ...