{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/46.2-479.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/46.2-479.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/46.2-479.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/46.2-479.html"}],"law_id":365748,"edition_id":2,"section_id":365748,"structure_id":52166,"section_number":"46.2-479","catch_line":"Provisions to which every policy shall be subject but need not contain","history":"Code 1950, \u00a7 46-498; 1958, c. 541, \u00a7 46.1-511; 1989, c. 727.","full_text":"Every policy shall be subject to the following provisions which need not be contained therein:\n\n1\n\nThe liability of any insurance carrier to the insured under a policy becomes absolute when loss or damage covered by the policy occurs and the satisfaction by the insured of a judgment for the loss or damage shall not be a condition precedent to the right or duty of the carrier to make payment on account of the loss or damage;\n\n2\n\nNo policy shall be cancelled or annulled, as respects any loss or damage, by any agreement between the carrier and the insured after the insured has become responsible for the loss or damage and any attempted cancellation or annulment shall be void;\n\n3\n\nIf the death of the insured occurs after the insured has become liable, during the policy period, for loss or damage covered by the policy, the policy shall not be terminated by the death with respect to the liability and the insurance carrier shall be liable hereunder as though death had not occurred;\n\n4\n\nOn the recovery of a judgment against any person for loss or damage, if the person or the decedent he represents was at the accrual of the cause of action insured against the liability under the policy, the judgment creditor shall be entitled to have the insurance money applied to the satisfaction of the judgment;\n\n5\n\nIf the death, insolvency, or bankruptcy of the insured occurs within the policy period, the policy during the unexpired portion of the period shall cover the legal representatives of the insured; and\n\n6\n\nNo statement made by the insured or on his behalf and no violation of the terms of the policy shall operate to defeat or avoid the policy so as to bar recovery within the limits provided in this chapter.\n\n","order_by":null,"text":{"0":{"id":1362661,"text":"Every policy shall be subject to the following provisions which need not be contained therein:","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1,"next_prefix":"1"},"1":{"id":1362662,"text":"The liability of any insurance carrier to the insured under a policy becomes absolute when loss or damage covered by the policy occurs and the satisfaction by the insured of a judgment for the loss or damage shall not be a condition precedent to the right or duty of the carrier to make payment on account of the loss or damage;","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"prior_prefix":"","next_prefix":"2"},"2":{"id":1362663,"text":"No policy shall be cancelled or annulled, as respects any loss or damage, by any agreement between the carrier and the insured after the insured has become responsible for the loss or damage and any attempted cancellation or annulment shall be void;","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1","next_prefix":"3"},"3":{"id":1362664,"text":"If the death of the insured occurs after the insured has become liable, during the policy period, for loss or damage covered by the policy, the policy shall not be terminated by the death with respect to the liability and the insurance carrier shall be liable hereunder as though death had not occurred;","type":"section","prefixes":["3"],"prefix":"3","entire_prefix":"3","prefix_anchor":"3","level":1,"prior_prefix":"2","next_prefix":"4"},"4":{"id":1362665,"text":"On the recovery of a judgment against any person for loss or damage, if the person or the decedent he represents was at the accrual of the cause of action insured against the liability under the policy, the judgment creditor shall be entitled to have the insurance money applied to the satisfaction of the judgment;","type":"section","prefixes":["4"],"prefix":"4","entire_prefix":"4","prefix_anchor":"4","level":1,"prior_prefix":"3","next_prefix":"5"},"5":{"id":1362666,"text":"If the death, insolvency, or bankruptcy of the insured occurs within the policy period, the policy during the unexpired portion of the period shall cover the legal representatives of the insured; and","type":"section","prefixes":["5"],"prefix":"5","entire_prefix":"5","prefix_anchor":"5","level":1,"prior_prefix":"4","next_prefix":"6"},"6":{"id":1362667,"text":"No statement made by the insured or on his behalf and no violation of the terms of the policy shall operate to defeat or avoid the policy so as to bar recovery within the limits provided in this chapter.","type":"section","prefixes":["6"],"prefix":"6","entire_prefix":"6","prefix_anchor":"6","level":1,"prior_prefix":"5"}},"ancestry":[{"id":52166,"edition_id":2,"name":"Motor Vehicle Liability Insurance Policies","identifier":"17","label":"article","depth":4,"order_by":16,"parent_id":52148,"metadata":{"child_laws":11,"child_structures":0},"date_created":"2026-08-02 02:54:42","date_modified":"2026-08-02 12:34:05","permalink":{"id":1453157,"object_type":"structure","relational_id":52166,"identifier":"17","token":"46.2\/II\/3\/17","url":"\/46.2\/II\/3\/17\/","edition_id":2,"permalink":0,"preferred":1}},{"id":52148,"edition_id":2,"name":"Licensure of Drivers","identifier":"3","label":"chapter","depth":3,"order_by":1,"parent_id":52147,"metadata":{"child_laws":313,"child_structures":20},"date_created":"2026-08-02 02:54:13","date_modified":"2026-08-02 12:34:03","permalink":{"id":1452631,"object_type":"structure","relational_id":52148,"identifier":"3","token":"46.2\/II\/3","url":"\/46.2\/II\/3\/","edition_id":2,"permalink":0,"preferred":1}},{"id":52147,"edition_id":2,"name":"Titling, Registration and Licensure","identifier":"II","label":"subtitle","depth":2,"order_by":2,"parent_id":52048,"metadata":{"child_laws":724,"child_structures":36},"date_created":"2026-08-02 02:54:13","date_modified":"2026-08-02 12:34:03","permalink":{"id":1452629,"object_type":"structure","relational_id":52147,"identifier":"II","token":"46.2\/II","url":"\/46.2\/II\/","edition_id":2,"permalink":0,"preferred":1}},{"id":52048,"edition_id":2,"name":"Motor Vehicles","identifier":"46.2","label":"title","depth":1,"order_by":101,"parent_id":null,"metadata":{"child_laws":1830,"child_structures":157},"date_created":"2026-08-02 02:52:29","date_modified":"2026-08-02 12:34:02","permalink":{"id":1452291,"object_type":"structure","relational_id":52048,"identifier":"46.2","token":"46.2","url":"\/46.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":365741,"structure_id":52166,"section_number":"46.2-472","catch_line":"Coverage of owner's policy","url":"\/46.2-472\/","token":"46.2\/II\/3\/17\/46.2-472","metadata":false},{"id":365742,"structure_id":52166,"section_number":"46.2-473","catch_line":"Coverage of driver's policy","url":"\/46.2-473\/","token":"46.2\/II\/3\/17\/46.2-473","metadata":false},{"id":365743,"structure_id":52166,"section_number":"46.2-474","catch_line":"Policy must contain certain agreement; additional coverage","url":"\/46.2-474\/","token":"46.2\/II\/3\/17\/46.2-474","metadata":false},{"id":365744,"structure_id":52166,"section_number":"46.2-475","catch_line":"Policy must comply with law","url":"\/46.2-475\/","token":"46.2\/II\/3\/17\/46.2-475","metadata":false},{"id":365745,"structure_id":52166,"section_number":"46.2-476","catch_line":"Liability covered by workers' compensation law","url":"\/46.2-476\/","token":"46.2\/II\/3\/17\/46.2-476","metadata":false},{"id":365746,"structure_id":52166,"section_number":"46.2-477","catch_line":"When chapter applicable to policy","url":"\/46.2-477\/","token":"46.2\/II\/3\/17\/46.2-477","metadata":false},{"id":365747,"structure_id":52166,"section_number":"46.2-478","catch_line":"Several policies together meeting requirements of chapter","url":"\/46.2-478\/","token":"46.2\/II\/3\/17\/46.2-478","metadata":false},{"id":365748,"structure_id":52166,"section_number":"46.2-479","catch_line":"Provisions to which every policy shall be subject but need not contain","url":"\/46.2-479\/","token":"46.2\/II\/3\/17\/46.2-479","metadata":false},{"id":365749,"structure_id":52166,"section_number":"46.2-480","catch_line":"Reimbursement of carrier and proration of insurance","url":"\/46.2-480\/","token":"46.2\/II\/3\/17\/46.2-480","metadata":false},{"id":365750,"structure_id":52166,"section_number":"46.2-481","catch_line":"Binder or endorsement in lieu of policy","url":"\/46.2-481\/","token":"46.2\/II\/3\/17\/46.2-481","metadata":false},{"id":365751,"structure_id":52166,"section_number":"46.2-482","catch_line":"Notification of cancellation or termination of certified policy","url":"\/46.2-482\/","token":"46.2\/II\/3\/17\/46.2-482","metadata":false}],"previous_section":{"id":365747,"structure_id":52166,"section_number":"46.2-478","catch_line":"Several policies together meeting requirements of chapter","url":"\/46.2-478\/","token":"46.2\/II\/3\/17\/46.2-478","metadata":false},"next_section":{"id":365749,"structure_id":52166,"section_number":"46.2-480","catch_line":"Reimbursement of carrier and proration of insurance","url":"\/46.2-480\/","token":"46.2\/II\/3\/17\/46.2-480","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/46.2-479\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 2 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 1958, chapter 541; in 1989, chapter 727.<\/p>","references":false,"refers_to":false,"permalink":{"id":1453187,"object_type":"law","relational_id":365748,"identifier":"46.2-479","token":"46.2\/II\/3\/17\/46.2-479","url":"\/46.2-479\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/46.2-479\/","token":"46.2\/II\/3\/17\/46.2-479","dublin_core":{"Title":"Provisions to which every policy shall be subject but need not contain","Type":"Text","Format":"text\/html","Identifier":"\u00a7 46.2-479","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

Every policy shall be subject to the following provisions which need not be contained therein:<\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> The liability of any insurance carrier to the insured<\/span> under a policy becomes absolute when loss or damage covered by the policy occurs and the satisfaction by the insured<\/span> of a judgment<\/span> for the loss or damage shall not be a condition precedent<\/span> to the right or duty of the carrier to make payment on account of the loss or damage; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> No policy shall be cancelled or annulled, as respects any loss or damage, by any agreement between the carrier and the insured<\/span> after the insured<\/span> has become responsible for the loss or damage and any attempted cancellation<\/span> or annulment<\/span> shall be void; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> If the death of the insured<\/span> occurs after the insured<\/span> has become liable, during the policy period, for loss or damage covered by the policy, the policy shall not be terminated by the death with respect to the liability and the insurance carrier shall be liable hereunder as though death had not occurred; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> On the recovery of a judgment against any person for loss or damage, if the person or the decedent he represents was at the accrual of the cause of action<\/span> insured<\/span> against the liability under the policy, the judgment creditor<\/span> shall be entitled to have the insurance money applied to the satisfaction of the judgment; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> If the death, insolvency, or bankruptcy<\/span> of the insured<\/span> occurs within the policy period, the policy during the unexpired portion of the period shall cover the legal representatives of the insured<\/span>; and <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> No statement made by the insured<\/span> or on his behalf and no violation of the terms of the policy shall operate to defeat or avoid the policy so as to bar recovery within the limits provided in this chapter. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nPROVISIONS TO WHICH EVERY POLICY SHALL BE SUBJECT BUT NEED NOT CONTAIN (\u00a7\n46.2-479)\n\nEvery policy shall be subject to the following provisions which need not be\ncontained therein:\n\n1. The liability of any insurance carrier to the insured under a policy becomes\nabsolute when loss or damage covered by the policy occurs and the satisfaction\nby the insured of a judgment for the loss or damage shall not be a condition\nprecedent to the right or duty of the carrier to make payment on account of the\nloss or damage;\n\n2. No policy shall be cancelled or annulled, as respects any loss or damage, by\nany agreement between the carrier and the insured after the insured has become\nresponsible for the loss or damage and any attempted cancellation or annulment\nshall be void;\n\n3. If the death of the insured occurs after the insured has become liable,\nduring the policy period, for loss or damage covered by the policy, the policy\nshall not be terminated by the death with respect to the liability and the\ninsurance carrier shall be liable hereunder as though death had not occurred;\n\n4. On the recovery of a judgment against any person for loss or damage, if the\nperson or the decedent he represents was at the accrual of the cause of action\ninsured against the liability under the policy, the judgment creditor shall be\nentitled to have the insurance money applied to the satisfaction of the\njudgment;\n\n5. If the death, insolvency, or bankruptcy of the insured occurs within the\npolicy period, the policy during the unexpired portion of the period shall cover\nthe legal representatives of the insured; and\n\n6. No statement made by the insured or on his behalf and no violation of the\nterms of the policy shall operate to defeat or avoid the policy so as to bar\nrecovery within the limits provided in this chapter.\n\nHISTORY: Code 1950, \u00a7 46-498; 1958, c. 541, \u00a7 46.1-511; 1989, c. 727.","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"}}