{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-2220.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-2220.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-2220.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-2220.html"}],"law_id":361814,"edition_id":2,"section_id":361814,"structure_id":51712,"section_number":"38.2-2220","catch_line":"Use of form after adoption","history":"Code 1950, \u00a7\u00a7 38-240, 38-551; 1952, c. 317, \u00a7 38.1-384; 1981, c. 172; 1986, c. 562.","full_text":"Except as provided in \u00a7 38.2-2223, after any standard form is adopted by the Commission, no insurer shall use any form covering substantially the same provisions contained in the standard form unless it is in the precise language of the form filed and adopted by the Commission.\n\n","order_by":null,"text":{"0":{"id":1347091,"text":"Except as provided in \u00a7 38.2-2223, after any standard form is adopted by the Commission, no insurer shall use any form covering substantially the same provisions contained in the standard form unless it is in the precise language of the form filed and adopted by the Commission.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":51712,"edition_id":2,"name":"Liability Insurance Policies","identifier":"22","label":"chapter","depth":2,"order_by":22,"parent_id":51644,"metadata":{"child_laws":41,"child_structures":0},"date_created":"2026-08-02 02:47:01","date_modified":"2026-08-02 12:33:06","permalink":{"id":1440547,"object_type":"structure","relational_id":51712,"identifier":"22","token":"38.2\/22","url":"\/38.2\/22\/","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":361785,"structure_id":51712,"section_number":"38.2-2200","catch_line":"Required provisions as to insolvency or bankruptcy, and as to when action maintained against insurer","url":"\/38.2-2200\/","token":"38.2\/22\/38.2-2200","metadata":false},{"id":361786,"structure_id":51712,"section_number":"38.2-2201","catch_line":"Provisions for payment of medical expense and loss of income benefits; assignment of certain benefits","url":"\/38.2-2201\/","token":"38.2\/22\/38.2-2201","metadata":false},{"id":361787,"structure_id":51712,"section_number":"38.2-2202","catch_line":"Required notice of optional coverage available","url":"\/38.2-2202\/","token":"38.2\/22\/38.2-2202","metadata":false},{"id":361788,"structure_id":51712,"section_number":"38.2-2203","catch_line":"Policy providing for reimbursement for services that may be performed by certain practitioners other than physicians","url":"\/38.2-2203\/","token":"38.2\/22\/38.2-2203","metadata":false},{"id":361789,"structure_id":51712,"section_number":"38.2-2204","catch_line":"Liability insurance on motor vehicles, aircraft, and watercraft; standard provisions; \"omnibus clause.\"","url":"\/38.2-2204\/","token":"38.2\/22\/38.2-2204","metadata":false},{"id":361791,"structure_id":51712,"section_number":"38.2-2205","catch_line":"Liability insurance on motor vehicles; standard provisions; applicability of other valid and collectible insurance","url":"\/38.2-2205\/","token":"38.2\/22\/38.2-2205","metadata":false},{"id":361790,"structure_id":51712,"section_number":"38.2-2205.1","catch_line":"Suspension of liability coverage at insured's request","url":"\/38.2-2205.1\/","token":"38.2\/22\/38.2-2205.1","metadata":false},{"id":361792,"structure_id":51712,"section_number":"38.2-2206","catch_line":"Uninsured motorist insurance coverage","url":"\/38.2-2206\/","token":"38.2\/22\/38.2-2206","metadata":false},{"id":361793,"structure_id":51712,"section_number":"38.2-2207","catch_line":"No policy to exclude coverage to employee","url":"\/38.2-2207\/","token":"38.2\/22\/38.2-2207","metadata":false},{"id":361794,"structure_id":51712,"section_number":"38.2-2208","catch_line":"Notices of cancellation of or refusal to renew motor vehicle insurance policies","url":"\/38.2-2208\/","token":"38.2\/22\/38.2-2208","metadata":false},{"id":361795,"structure_id":51712,"section_number":"38.2-2209","catch_line":"Motor vehicle liability medical benefit insurer not to retain right of subrogation to recover from third party","url":"\/38.2-2209\/","token":"38.2\/22\/38.2-2209","metadata":false},{"id":361800,"structure_id":51712,"section_number":"38.2-2210","catch_line":"Warning concerning cancellation to appear on application for motor vehicle liability insurance; reason for cancellation or nonrenewal required on application","url":"\/38.2-2210\/","token":"38.2\/22\/38.2-2210","metadata":false},{"id":361801,"structure_id":51712,"section_number":"38.2-2211","catch_line":"Motor vehicle liability insurer not to receive credit for other medical expense insurance","url":"\/38.2-2211\/","token":"38.2\/22\/38.2-2211","metadata":false},{"id":361803,"structure_id":51712,"section_number":"38.2-2212","catch_line":"Grounds and procedure for cancellation of or refusal to renew motor vehicle insurance policies; review by Commissioner","url":"\/38.2-2212\/","token":"38.2\/22\/38.2-2212","metadata":false},{"id":361802,"structure_id":51712,"section_number":"38.2-2212.1","catch_line":"Powers of Commission; replacement policies","url":"\/38.2-2212.1\/","token":"38.2\/22\/38.2-2212.1","metadata":false},{"id":361805,"structure_id":51712,"section_number":"38.2-2213","catch_line":"Discrimination in issuance of motor vehicle insurance","url":"\/38.2-2213\/","token":"38.2\/22\/38.2-2213","metadata":false},{"id":361804,"structure_id":51712,"section_number":"38.2-2213.1","catch_line":"Certain action prohibited when motor vehicle owner fails to allow access to recorded data from recording device","url":"\/38.2-2213.1\/","token":"38.2\/22\/38.2-2213.1","metadata":false},{"id":361806,"structure_id":51712,"section_number":"38.2-2214","catch_line":"Statement defining rate classifications to be provided by insurer to insured","url":"\/38.2-2214\/","token":"38.2\/22\/38.2-2214","metadata":false},{"id":361807,"structure_id":51712,"section_number":"38.2-2215","catch_line":"Failure to issue or failure to renew motor vehicle liability insurance on the basis of a motor vehicle's age prohibited","url":"\/38.2-2215\/","token":"38.2\/22\/38.2-2215","metadata":false},{"id":361808,"structure_id":51712,"section_number":"38.2-2216","catch_line":"Medical benefit offset against liability or uninsured motorist coverage prohibited","url":"\/38.2-2216\/","token":"38.2\/22\/38.2-2216","metadata":false},{"id":361810,"structure_id":51712,"section_number":"38.2-2217","catch_line":"Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics","url":"\/38.2-2217\/","token":"38.2\/22\/38.2-2217","metadata":false},{"id":361809,"structure_id":51712,"section_number":"38.2-2217.1","catch_line":"Insurers required to renew motor vehicle liability coverage for vanpools; exceptions","url":"\/38.2-2217.1\/","token":"38.2\/22\/38.2-2217.1","metadata":false},{"id":361811,"structure_id":51712,"section_number":"38.2-2218","catch_line":"Adoption of standard forms for motor vehicle insurance","url":"\/38.2-2218\/","token":"38.2\/22\/38.2-2218","metadata":false},{"id":361812,"structure_id":51712,"section_number":"38.2-2219","catch_line":"Hearing on objections to the form","url":"\/38.2-2219\/","token":"38.2\/22\/38.2-2219","metadata":false},{"id":361814,"structure_id":51712,"section_number":"38.2-2220","catch_line":"Use of form after adoption","url":"\/38.2-2220\/","token":"38.2\/22\/38.2-2220","metadata":false},{"id":361815,"structure_id":51712,"section_number":"38.2-2221","catch_line":"Amendment of standard form","url":"\/38.2-2221\/","token":"38.2\/22\/38.2-2221","metadata":false},{"id":361816,"structure_id":51712,"section_number":"38.2-2222","catch_line":"Withdrawal of form","url":"\/38.2-2222\/","token":"38.2\/22\/38.2-2222","metadata":false},{"id":361817,"structure_id":51712,"section_number":"38.2-2223","catch_line":"Variations of, or additions to, form","url":"\/38.2-2223\/","token":"38.2\/22\/38.2-2223","metadata":false},{"id":361818,"structure_id":51712,"section_number":"38.2-2224","catch_line":"Commission to establish guidelines for filing readable motor vehicle insurance policy forms","url":"\/38.2-2224\/","token":"38.2\/22\/38.2-2224","metadata":false},{"id":361819,"structure_id":51712,"section_number":"38.2-2225","catch_line":"Sending copies of orders to companies affected","url":"\/38.2-2225\/","token":"38.2\/22\/38.2-2225","metadata":false},{"id":361821,"structure_id":51712,"section_number":"38.2-2226","catch_line":"Insurer to give notice to claimant of intention to rely on certain defenses and of execution of nonwaiver of rights agreement","url":"\/38.2-2226\/","token":"38.2\/22\/38.2-2226","metadata":{"court_decisions":{"0":{"name":"Gateway Residences at Exch., LLC v. Ill. Union Ins. Co.","case_number":"18-1491","citation":"917 F.3d 269","date":"2019-02-28","url":"https:\/\/www.courtlistener.com\/opinion\/4595213\/gateway-residences-at-exch-llc-v-ill-union-ins-co\/","abstract":" .\u202f.\u202f. DIAZ, Circuit Judge: .\u202f.\u202f. ","court_html":"Court of Appeals for the Fourth Circuit"},"1":{"name":"Dabney v. Augusta Mut. Ins. Co.","case_number":"100841","citation":"710 S.E.2d 726","date":"2011-06-09","url":"https:\/\/www.courtlistener.com\/opinion\/1058023\/dabney-v-augusta-mut-ins-co\/","abstract":" .\u202f.\u202f. 710 S.E.2d 726 (2011) .\u202f.\u202f. ","court_html":"<abbr title=\"Supreme Court of Virginia\">SCV<\/abbr>"},"2":{"name":" .\u202f.\u202f. Mark Morrel Ruth Morrel v. Nationwide Mutual Fire Insurance .\u202f.\u202f. ","case_number":"98-1963","citation":"188 F.3d 218","date":"1999-08-16","url":"https:\/\/www.courtlistener.com\/opinion\/765753\/mark-morrel-ruth-morrel-v-nationwide-mutual-fire-insurance-company\/","abstract":" .\u202f.\u202f. Affirmed by published opinion. Judge KING wrote the opinion, in which Judge WILKINS and Judge .\u202f.\u202f. ","court_html":"Court of Appeals for the Fourth Circuit"},"3":{"name":"Morrel v. Nationwide Mutual","case_number":"98-1963","citation":null,"date":"1999-08-16","url":"https:\/\/www.courtlistener.com\/opinion\/2967065\/morrel-v-nationwide-mutual\/","abstract":" .\u202f.\u202f. PUBLISHED .\u202f.\u202f. ","court_html":"Court of Appeals for the Fourth Circuit"},"4":{"name":"Vermont Mutual Insurance v. Everette","case_number":"Action 4:94cv00090","citation":"875 F. Supp. 1181","date":"1995-02-09","url":"https:\/\/www.courtlistener.com\/opinion\/1394945\/vermont-mutual-insurance-v-everette\/","abstract":" .\u202f.\u202f. 875 F.Supp. 1181 (1995) .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"},"5":{"name":"State Auto Property & Casualty Insurance v. Gorsuch","case_number":"1:03CV00128","citation":"323 F. Supp. 2d 746","date":"2004-07-08","url":"https:\/\/www.courtlistener.com\/opinion\/2492771\/state-auto-property-casualty-insurance-v-gorsuch\/","abstract":" .\u202f.\u202f. 323 F.Supp.2d 746 (2004) .\u202f.\u202f. ","court_html":"District Court, W.D. Virginia"},"6":{"name":" .\u202f.\u202f. The Aetna Casualty and Surety Company v. Samantha Leigh-Mae .\u202f.\u202f. ","case_number":"94-1597","citation":"52 F.3d 320","date":"1995-04-25","url":"https:\/\/www.courtlistener.com\/opinion\/693735\/the-aetna-casualty-and-surety-company-v-samantha-l\/","abstract":" .\u202f.\u202f. 52 F.3d 320NOTICE: Fourth Circuit I.O.P. 36.6 states that citation of unpublished dispositions is .\u202f.\u202f. ","court_html":"Court of Appeals for the Fourth Circuit"},"7":{"name":"U.S. Specialty Insurance v. Skymaster of Virginia, Inc.","case_number":"2:00CV39","citation":"123 F. Supp. 2d 995","date":"2000-12-11","url":"https:\/\/www.courtlistener.com\/opinion\/2479909\/us-specialty-insurance-v-skymaster-of-virginia-inc\/","abstract":" .\u202f.\u202f. 123 F.Supp.2d 995 (2000) .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"},"8":{"name":"State Farm Fire and Cas. Co. v. Scott","case_number":"Record No. 860185","citation":"372 S.E.2d 383","date":"1988-09-23","url":"https:\/\/www.courtlistener.com\/opinion\/1365034\/state-farm-fire-and-cas-co-v-scott\/","abstract":" .\u202f.\u202f. 372 S.E.2d 383 (1988) .\u202f.\u202f. ","court_html":"<abbr title=\"Supreme Court of Virginia\">SCV<\/abbr>"},"9":{"name":"Gordon v. Liberty Mutual Insurance","case_number":"Civ. A. 87-27-N","citation":"675 F. Supp. 321","date":"1987-10-30","url":"https:\/\/www.courtlistener.com\/opinion\/1638466\/gordon-v-liberty-mutual-insurance\/","abstract":" .\u202f.\u202f. 675 F.Supp. 321 (1987) .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"}}}},{"id":361820,"structure_id":51712,"section_number":"38.2-2226.1","catch_line":"Insurer to give notice of settlement of claim","url":"\/38.2-2226.1\/","token":"38.2\/22\/38.2-2226.1","metadata":{"court_decisions":""}},{"id":361822,"structure_id":51712,"section_number":"38.2-2227","catch_line":"Aircraft liability policy not to deny coverage for violation of federal or civil regulations, etc.; permitted exclusions or conditions","url":"\/38.2-2227\/","token":"38.2\/22\/38.2-2227","metadata":false},{"id":361824,"structure_id":51712,"section_number":"38.2-2228","catch_line":"Repealed","url":"\/38.2-2228\/","token":"38.2\/22\/38.2-2228","metadata":false},{"id":361823,"structure_id":51712,"section_number":"38.2-2228.2","catch_line":"Certain medical malpractice claims to be reported to the Commission","url":"\/38.2-2228.2\/","token":"38.2\/22\/38.2-2228.2","metadata":false},{"id":361825,"structure_id":51712,"section_number":"38.2-2229","catch_line":"Claims-made liability insurance","url":"\/38.2-2229\/","token":"38.2\/22\/38.2-2229","metadata":false},{"id":361827,"structure_id":51712,"section_number":"38.2-2230","catch_line":"Mandatory offer of rental reimbursement coverage","url":"\/38.2-2230\/","token":"38.2\/22\/38.2-2230","metadata":false},{"id":361828,"structure_id":51712,"section_number":"38.2-2231","catch_line":"Physical damage arbitration between insurers; alternate forums","url":"\/38.2-2231\/","token":"38.2\/22\/38.2-2231","metadata":false},{"id":361829,"structure_id":51712,"section_number":"38.2-2232","catch_line":"Liability insurance on private pleasure watercraft; optional coverage","url":"\/38.2-2232\/","token":"38.2\/22\/38.2-2232","metadata":false},{"id":361830,"structure_id":51712,"section_number":"38.2-2233","catch_line":"Installment payments of motor vehicle insurance","url":"\/38.2-2233\/","token":"38.2\/22\/38.2-2233","metadata":false},{"id":361831,"structure_id":51712,"section_number":"38.2-2234","catch_line":"Insurance credit score disclosure; use of credit information","url":"\/38.2-2234\/","token":"38.2\/22\/38.2-2234","metadata":false}],"previous_section":{"id":361812,"structure_id":51712,"section_number":"38.2-2219","catch_line":"Hearing on objections to the form","url":"\/38.2-2219\/","token":"38.2\/22\/38.2-2219","metadata":false},"next_section":{"id":361815,"structure_id":51712,"section_number":"38.2-2221","catch_line":"Amendment of standard form","url":"\/38.2-2221\/","token":"38.2\/22\/38.2-2221","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-2220\/","history_text":"<p>The record of this law\u2019s original creation isn\u2019t available online. It has been modified 3 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 1981, chapter 172; in 1986, chapter 562.<\/p>","references":false,"refers_to":[{"id":361817,"section_number":"38.2-2223","catch_line":"Variations of, or additions to, form","order_by":null,"url":"\/38.2-2223\/"}],"permalink":{"id":1440645,"object_type":"law","relational_id":361814,"identifier":"38.2-2220","token":"38.2\/22\/38.2-2220","url":"\/38.2-2220\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-2220\/","token":"38.2\/22\/38.2-2220","dublin_core":{"Title":"Use of form after adoption","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2220","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>Except as provided in \u00a7&nbsp;<a class=\"law\" title=\"Variations of, or additions to, form\" href=\"\/38.2-2223\/\">38.2-2223<\/a>, after any standard form is adopted by the <span class=\"dictionary\">Commission<\/span>, no <span class=\"dictionary\">insurer<\/span> shall use any form covering substantially the same provisions contained in the standard form unless it is in the precise language of the form filed and adopted by the <span class=\"dictionary\">Commission<\/span>.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nUSE OF FORM AFTER ADOPTION (\u00a7 38.2-2220)\n\nExcept as provided in \u00a7 38.2-2223, after any standard form is adopted by the\nCommission, no insurer shall use any form covering substantially the same\nprovisions contained in the standard form unless it is in the precise language\nof the form filed and adopted by the Commission.\n\nHISTORY: Code 1950, \u00a7\u00a7 38-240, 38-551; 1952, c. 317, \u00a7 38.1-384; 1981, c.\n172; 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"}}