{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-1214.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-1214.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-1214.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-1214.html"}],"law_id":361247,"edition_id":2,"section_id":361247,"structure_id":51660,"section_number":"38.2-1214","catch_line":"Savings returned to subscribers","history":"1952, c. 317, \u00a7 38.1-704; 1986, c. 562.","full_text":"A reciprocal may return to its subscribers any savings or credits accruing to their accounts. Any such distribution shall not unfairly discriminate between classes of risks or policies, or between subscribers. However, the distribution may vary for classes of subscribers based upon the experience of those classes.\n\n","order_by":null,"text":{"0":{"id":1344171,"text":"A reciprocal may return to its subscribers any savings or credits accruing to their accounts. Any such distribution shall not unfairly discriminate between classes of risks or policies, or between subscribers. However, the distribution may vary for classes of subscribers based upon the experience of those classes.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":51660,"edition_id":2,"name":"General Provisions","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":51659,"metadata":{"child_laws":19,"child_structures":0},"date_created":"2026-08-02 02:45:46","date_modified":"2026-08-02 12:33:00","permalink":{"id":1438217,"object_type":"structure","relational_id":51660,"identifier":"1","token":"38.2\/12\/1","url":"\/38.2\/12\/1\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51659,"edition_id":2,"name":"Reciprocal Insurance","identifier":"12","label":"chapter","depth":2,"order_by":12,"parent_id":51644,"metadata":{"child_laws":32,"child_structures":2},"date_created":"2026-08-02 02:45:46","date_modified":"2026-08-02 12:32:59","permalink":{"id":1438215,"object_type":"structure","relational_id":51659,"identifier":"12","token":"38.2\/12","url":"\/38.2\/12\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51644,"edition_id":2,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":88,"parent_id":null,"metadata":{"child_laws":1890,"child_structures":173},"date_created":"2026-08-02 02:45:30","date_modified":"2026-08-02 12:32:55","permalink":{"id":1437663,"object_type":"structure","relational_id":51644,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":361232,"structure_id":51660,"section_number":"38.2-1200","catch_line":"Scope of chapter","url":"\/38.2-1200\/","token":"38.2\/12\/1\/38.2-1200","metadata":false},{"id":361233,"structure_id":51660,"section_number":"38.2-1201","catch_line":"Definitions","url":"\/38.2-1201\/","token":"38.2\/12\/1\/38.2-1201","metadata":false},{"id":361234,"structure_id":51660,"section_number":"38.2-1202","catch_line":"Insuring power of reciprocals","url":"\/38.2-1202\/","token":"38.2\/12\/1\/38.2-1202","metadata":false},{"id":361235,"structure_id":51660,"section_number":"38.2-1203","catch_line":"What laws applicable to reciprocals; compliance with \u00a7 38.2-208","url":"\/38.2-1203\/","token":"38.2\/12\/1\/38.2-1203","metadata":false},{"id":361236,"structure_id":51660,"section_number":"38.2-1204","catch_line":"Power to enter into reciprocal insurance contracts","url":"\/38.2-1204\/","token":"38.2\/12\/1\/38.2-1204","metadata":false},{"id":361237,"structure_id":51660,"section_number":"38.2-1205","catch_line":"Name","url":"\/38.2-1205\/","token":"38.2\/12\/1\/38.2-1205","metadata":false},{"id":361238,"structure_id":51660,"section_number":"38.2-1206","catch_line":"License required of reciprocals; surplus","url":"\/38.2-1206\/","token":"38.2\/12\/1\/38.2-1206","metadata":false},{"id":361239,"structure_id":51660,"section_number":"38.2-1207","catch_line":"Exceptions as to reciprocals licensed and operating","url":"\/38.2-1207\/","token":"38.2\/12\/1\/38.2-1207","metadata":false},{"id":361240,"structure_id":51660,"section_number":"38.2-1208","catch_line":"Additional requirements, foreign and alien reciprocals","url":"\/38.2-1208\/","token":"38.2\/12\/1\/38.2-1208","metadata":false},{"id":361241,"structure_id":51660,"section_number":"38.2-1209","catch_line":"Residence and office of attorney of foreign and alien reciprocals","url":"\/38.2-1209\/","token":"38.2\/12\/1\/38.2-1209","metadata":false},{"id":361243,"structure_id":51660,"section_number":"38.2-1210","catch_line":"Contracts executed by attorney","url":"\/38.2-1210\/","token":"38.2\/12\/1\/38.2-1210","metadata":false},{"id":361244,"structure_id":51660,"section_number":"38.2-1211","catch_line":"License required of agent","url":"\/38.2-1211\/","token":"38.2\/12\/1\/38.2-1211","metadata":false},{"id":361245,"structure_id":51660,"section_number":"38.2-1212","catch_line":"Subscribers' liability","url":"\/38.2-1212\/","token":"38.2\/12\/1\/38.2-1212","metadata":false},{"id":361246,"structure_id":51660,"section_number":"38.2-1213","catch_line":"Nonassessable policies","url":"\/38.2-1213\/","token":"38.2\/12\/1\/38.2-1213","metadata":false},{"id":361247,"structure_id":51660,"section_number":"38.2-1214","catch_line":"Savings returned to subscribers","url":"\/38.2-1214\/","token":"38.2\/12\/1\/38.2-1214","metadata":false},{"id":361248,"structure_id":51660,"section_number":"38.2-1215","catch_line":"Reserves","url":"\/38.2-1215\/","token":"38.2\/12\/1\/38.2-1215","metadata":false},{"id":361249,"structure_id":51660,"section_number":"38.2-1216","catch_line":"Clerk of Commission to be appointed agent for service of process; procedure thereafter","url":"\/38.2-1216\/","token":"38.2\/12\/1\/38.2-1216","metadata":false},{"id":361250,"structure_id":51660,"section_number":"38.2-1217","catch_line":"Reciprocal may be sued as such; where action or suit may be brought; upon whom service of process had","url":"\/38.2-1217\/","token":"38.2\/12\/1\/38.2-1217","metadata":{"court_decisions":""}},{"id":361251,"structure_id":51660,"section_number":"38.2-1218","catch_line":"Effect of judgment against reciprocal","url":"\/38.2-1218\/","token":"38.2\/12\/1\/38.2-1218","metadata":false}],"previous_section":{"id":361246,"structure_id":51660,"section_number":"38.2-1213","catch_line":"Nonassessable policies","url":"\/38.2-1213\/","token":"38.2\/12\/1\/38.2-1213","metadata":false},"next_section":{"id":361248,"structure_id":51660,"section_number":"38.2-1215","catch_line":"Reserves","url":"\/38.2-1215\/","token":"38.2\/12\/1\/38.2-1215","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-1214\/","history_text":"<p>This law was first created in 1952. The record of its establishment is cataloged in chapter 317 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 1952 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. 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. That modification is as follows: in 1986, chapter 562.<\/p>","references":false,"refers_to":false,"permalink":{"id":1438275,"object_type":"law","relational_id":361247,"identifier":"38.2-1214","token":"38.2\/12\/1\/38.2-1214","url":"\/38.2-1214\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-1214\/","token":"38.2\/12\/1\/38.2-1214","dublin_core":{"Title":"Savings returned to subscribers","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-1214","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>A reciprocal may return to its subscribers any savings or credits accruing to their accounts. Any such distribution shall not unfairly discriminate between classes of risks or policies, or between subscribers. However, the distribution may vary for classes of subscribers based upon the experience of those classes.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nSAVINGS RETURNED TO SUBSCRIBERS (\u00a7 38.2-1214)\n\nA reciprocal may return to its subscribers any savings or credits accruing to\ntheir accounts. Any such distribution shall not unfairly discriminate between\nclasses of risks or policies, or between subscribers. However, the distribution\nmay vary for classes of subscribers based upon the experience of those classes.\n\nHISTORY: 1952, c. 317, \u00a7 38.1-704; 1986, c. 562.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}