{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-1808.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-1808.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-1808.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-1808.html"}],"law_id":361545,"edition_id":2,"section_id":361545,"structure_id":51690,"section_number":"38.2-1808","catch_line":"All agreements to be expressed in contract","history":"Code 1950, \u00a7 38.1-294; 1952, c. 317; 1979, c. 513, \u00a7 38.1-327.8; 1986, c. 562; 1987, c. 521.","full_text":"No agent shall make any contract of insurance or agreement with respect to the insurance that is not plainly expressed in the policy or contract issued.\n\n","order_by":null,"text":{"0":{"id":1345790,"text":"No agent shall make any contract of insurance or agreement with respect to the insurance that is not plainly expressed in the policy or contract issued.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":51690,"edition_id":2,"name":"Definitions and General Provisions","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":51689,"metadata":{"child_laws":17,"child_structures":0},"date_created":"2026-08-02 02:46:32","date_modified":"2026-08-02 12:33:04","permalink":{"id":1439415,"object_type":"structure","relational_id":51690,"identifier":"1","token":"38.2\/18\/1","url":"\/38.2\/18\/1\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51689,"edition_id":2,"name":"Insurance Agents","identifier":"18","label":"chapter","depth":2,"order_by":18,"parent_id":51644,"metadata":{"child_laws":126,"child_structures":14},"date_created":"2026-08-02 02:46:32","date_modified":"2026-08-02 12:33:04","permalink":{"id":1439413,"object_type":"structure","relational_id":51689,"identifier":"18","token":"38.2\/18","url":"\/38.2\/18\/","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":361537,"structure_id":51690,"section_number":"38.2-1800","catch_line":"Definitions","url":"\/38.2-1800\/","token":"38.2\/18\/1\/38.2-1800","metadata":false},{"id":361536,"structure_id":51690,"section_number":"38.2-1800.1","catch_line":"Proof of residency","url":"\/38.2-1800.1\/","token":"38.2\/18\/1\/38.2-1800.1","metadata":false},{"id":361538,"structure_id":51690,"section_number":"38.2-1801","catch_line":"Person soliciting insurance deemed agent of insurer; prohibition against misrepresenting agency relationship","url":"\/38.2-1801\/","token":"38.2\/18\/1\/38.2-1801","metadata":false},{"id":361539,"structure_id":51690,"section_number":"38.2-1802","catch_line":"Acting as agent for unlicensed insurer prohibited; penalties","url":"\/38.2-1802\/","token":"38.2\/18\/1\/38.2-1802","metadata":false},{"id":361540,"structure_id":51690,"section_number":"38.2-1803","catch_line":"Repealed","url":"\/38.2-1803\/","token":"38.2\/18\/1\/38.2-1803","metadata":false},{"id":361541,"structure_id":51690,"section_number":"38.2-1804","catch_line":"Blank forms","url":"\/38.2-1804\/","token":"38.2\/18\/1\/38.2-1804","metadata":false},{"id":361542,"structure_id":51690,"section_number":"38.2-1805","catch_line":"Acceptance by insurance agents of premiums in arrears; how advance premiums recorded","url":"\/38.2-1805\/","token":"38.2\/18\/1\/38.2-1805","metadata":false},{"id":361543,"structure_id":51690,"section_number":"38.2-1806","catch_line":"Interest with respect to credit extended or money lent for premiums on certain policies","url":"\/38.2-1806\/","token":"38.2\/18\/1\/38.2-1806","metadata":false},{"id":361544,"structure_id":51690,"section_number":"38.2-1807","catch_line":"Repealed","url":"\/38.2-1807\/","token":"38.2\/18\/1\/38.2-1807","metadata":false},{"id":361545,"structure_id":51690,"section_number":"38.2-1808","catch_line":"All agreements to be expressed in contract","url":"\/38.2-1808\/","token":"38.2\/18\/1\/38.2-1808","metadata":false},{"id":361546,"structure_id":51690,"section_number":"38.2-1809","catch_line":"Power of Commission to investigate affairs of persons engaged in insurance business; penalties for refusal to permit investigation","url":"\/38.2-1809\/","token":"38.2\/18\/1\/38.2-1809","metadata":false},{"id":361547,"structure_id":51690,"section_number":"38.2-1810","catch_line":"Report of acts deemed larceny under \u00a7 18.2-111; privileged communications; attorney for the Commonwealth to be informed","url":"\/38.2-1810\/","token":"38.2\/18\/1\/38.2-1810","metadata":false},{"id":361548,"structure_id":51690,"section_number":"38.2-1811","catch_line":"Repealed","url":"\/38.2-1811\/","token":"38.2\/18\/1\/38.2-1811","metadata":false},{"id":361551,"structure_id":51690,"section_number":"38.2-1812","catch_line":"Payment and sharing of commissions","url":"\/38.2-1812\/","token":"38.2\/18\/1\/38.2-1812","metadata":false},{"id":361549,"structure_id":51690,"section_number":"38.2-1812.1","catch_line":"Placement of insurance for public bodies","url":"\/38.2-1812.1\/","token":"38.2\/18\/1\/38.2-1812.1","metadata":false},{"id":361550,"structure_id":51690,"section_number":"38.2-1812.2","catch_line":"Administrative charges in excess of premium prohibited; exceptions","url":"\/38.2-1812.2\/","token":"38.2\/18\/1\/38.2-1812.2","metadata":false},{"id":361552,"structure_id":51690,"section_number":"38.2-1813","catch_line":"Reporting and accounting for premiums","url":"\/38.2-1813\/","token":"38.2\/18\/1\/38.2-1813","metadata":false}],"previous_section":{"id":361544,"structure_id":51690,"section_number":"38.2-1807","catch_line":"Repealed","url":"\/38.2-1807\/","token":"38.2\/18\/1\/38.2-1807","metadata":false},"next_section":{"id":361546,"structure_id":51690,"section_number":"38.2-1809","catch_line":"Power of Commission to investigate affairs of persons engaged in insurance business; penalties for refusal to permit investigation","url":"\/38.2-1809\/","token":"38.2\/18\/1\/38.2-1809","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-1808\/","history_text":"<p>The record of this law\u2019s original creation isn\u2019t available online. It has been modified 4 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 1952, chapter 317; in 1979, chapter 513; in 1986, chapter 562; in 1987, chapter 521.<\/p>","references":false,"refers_to":false,"permalink":{"id":1439453,"object_type":"law","relational_id":361545,"identifier":"38.2-1808","token":"38.2\/18\/1\/38.2-1808","url":"\/38.2-1808\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-1808\/","token":"38.2\/18\/1\/38.2-1808","dublin_core":{"Title":"All agreements to be expressed in contract","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-1808","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>No agent shall make any <span class=\"dictionary\">contract<\/span> of <span class=\"dictionary\">insurance<\/span> or agreement with respect to the <span class=\"dictionary\">insurance<\/span> that is not plainly expressed in the policy or <span class=\"dictionary\">contract<\/span> issued.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nALL AGREEMENTS TO BE EXPRESSED IN CONTRACT (\u00a7 38.2-1808)\n\nNo agent shall make any contract of insurance or agreement with respect to the\ninsurance that is not plainly expressed in the policy or contract issued.\n\nHISTORY: Code 1950, \u00a7 38.1-294; 1952, c. 317; 1979, c. 513, \u00a7 38.1-327.8;\n1986, c. 562; 1987, c. 521.","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"}}