{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/65.2-813.1.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/65.2-813.1.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/65.2-813.1.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/65.2-813.1.html"}],"law_id":376681,"edition_id":2,"section_id":376681,"structure_id":53551,"section_number":"65.2-813.1","catch_line":"Insurers offering policies with deductibles","history":"1995, c. 237.","full_text":"Every insurer against liability arising under this title offering and making available policies in which the insured pays a deductible, without regard to amount and including such policies with deductibles of $1,000 or less, shall provide in such policies that (i) the insurer shall pay all of the deductible amount applicable to a compensable claim under this title to the person or provider entitled thereto, (ii) the insurer shall then obtain reimbursement from the policyholder for the applicable deductible amount, and (iii) failure to reimburse deductible amounts by the policyholder to the insurer will result in the cancellation of the deductible endorsement.\n\n","order_by":null,"text":{"0":{"id":1406520,"text":"Every insurer against liability arising under this title offering and making available policies in which the insured pays a deductible, without regard to amount and including such policies with deductibles of $1,000 or less, shall provide in such policies that (i) the insurer shall pay all of the deductible amount applicable to a compensable claim under this title to the person or provider entitled thereto, (ii) the insurer shall then obtain reimbursement from the policyholder for the applicable deductible amount, and (iii) failure to reimburse deductible amounts by the policyholder to the insurer will result in the cancellation of the deductible endorsement.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":53551,"edition_id":2,"name":"Insurance and Self-Insurance","identifier":"8","label":"chapter","depth":2,"order_by":8,"parent_id":53539,"metadata":{"child_laws":29,"child_structures":0},"date_created":"2026-08-02 03:18:18","date_modified":"2026-08-02 12:37:27","permalink":{"id":1503661,"object_type":"structure","relational_id":53551,"identifier":"8","token":"65.2\/8","url":"\/65.2\/8\/","edition_id":2,"permalink":0,"preferred":1}},{"id":53539,"edition_id":2,"name":"Workers' Compensation","identifier":"65.2","label":"title","depth":1,"order_by":138,"parent_id":null,"metadata":{"child_laws":163,"child_structures":13},"date_created":"2026-08-02 03:18:04","date_modified":"2026-08-02 12:37:26","permalink":{"id":1503117,"object_type":"structure","relational_id":53539,"identifier":"65.2","token":"65.2","url":"\/65.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":376667,"structure_id":53551,"section_number":"65.2-800","catch_line":"Duty to insure payment of compensation; effect of insurance","url":"\/65.2-800\/","token":"65.2\/8\/65.2-800","metadata":false},{"id":376668,"structure_id":53551,"section_number":"65.2-801","catch_line":"Insurance or proof of financial ability to pay required","url":"\/65.2-801\/","token":"65.2\/8\/65.2-801","metadata":false},{"id":376669,"structure_id":53551,"section_number":"65.2-802","catch_line":"Requirements for licensure as group self-insurance association; annual assessment","url":"\/65.2-802\/","token":"65.2\/8\/65.2-802","metadata":false},{"id":376671,"structure_id":53551,"section_number":"65.2-803","catch_line":"Administrator and service company affiliation prohibited; exception","url":"\/65.2-803\/","token":"65.2\/8\/65.2-803","metadata":false},{"id":376670,"structure_id":53551,"section_number":"65.2-803.1","catch_line":"Requirements for registration as professional employer organization; annual assessment","url":"\/65.2-803.1\/","token":"65.2\/8\/65.2-803.1","metadata":false},{"id":376672,"structure_id":53551,"section_number":"65.2-804","catch_line":"Evidence of compliance with title; notices of cancellation of insurance","url":"\/65.2-804\/","token":"65.2\/8\/65.2-804","metadata":false},{"id":376673,"structure_id":53551,"section_number":"65.2-805","catch_line":"Civil penalty for violation of \u00a7\u00a7 65.2-800, 65.2-803.1, and 65.2-804","url":"\/65.2-805\/","token":"65.2\/8\/65.2-805","metadata":false},{"id":376674,"structure_id":53551,"section_number":"65.2-806","catch_line":"Criminal penalties","url":"\/65.2-806\/","token":"65.2\/8\/65.2-806","metadata":false},{"id":376675,"structure_id":53551,"section_number":"65.2-807","catch_line":"Cost of insurance may not be deducted from wages","url":"\/65.2-807\/","token":"65.2\/8\/65.2-807","metadata":false},{"id":376676,"structure_id":53551,"section_number":"65.2-808","catch_line":"Self-insurance certificate","url":"\/65.2-808\/","token":"65.2\/8\/65.2-808","metadata":false},{"id":376677,"structure_id":53551,"section_number":"65.2-809","catch_line":"Constructive notice to, jurisdiction of, and awards, etc., binding upon insurer","url":"\/65.2-809\/","token":"65.2\/8\/65.2-809","metadata":false},{"id":376678,"structure_id":53551,"section_number":"65.2-810","catch_line":"How formal notice may be given","url":"\/65.2-810\/","token":"65.2\/8\/65.2-810","metadata":false},{"id":376679,"structure_id":53551,"section_number":"65.2-811","catch_line":"Liability of insurer","url":"\/65.2-811\/","token":"65.2\/8\/65.2-811","metadata":false},{"id":376680,"structure_id":53551,"section_number":"65.2-812","catch_line":"Subrogation of insurance carrier to employer's rights; compromise","url":"\/65.2-812\/","token":"65.2\/8\/65.2-812","metadata":false},{"id":376683,"structure_id":53551,"section_number":"65.2-813","catch_line":"Insurance deemed subject to title; approval of forms","url":"\/65.2-813\/","token":"65.2\/8\/65.2-813","metadata":false},{"id":376681,"structure_id":53551,"section_number":"65.2-813.1","catch_line":"Insurers offering policies with deductibles","url":"\/65.2-813.1\/","token":"65.2\/8\/65.2-813.1","metadata":false},{"id":376682,"structure_id":53551,"section_number":"65.2-813.2","catch_line":"Premium discounts; drug-free workplace programs","url":"\/65.2-813.2\/","token":"65.2\/8\/65.2-813.2","metadata":false},{"id":376684,"structure_id":53551,"section_number":"65.2-814","catch_line":"Insurer to furnish written evidence of coverage on request","url":"\/65.2-814\/","token":"65.2\/8\/65.2-814","metadata":false},{"id":376685,"structure_id":53551,"section_number":"65.2-815","catch_line":"Group self-insurance association required to furnish written evidence of membership","url":"\/65.2-815\/","token":"65.2\/8\/65.2-815","metadata":false},{"id":376686,"structure_id":53551,"section_number":"65.2-816","catch_line":"Title not applicable to boiler, etc., insurance","url":"\/65.2-816\/","token":"65.2\/8\/65.2-816","metadata":false},{"id":376687,"structure_id":53551,"section_number":"65.2-817","catch_line":"Rates; cooperation between State Corporation Commission and Workers' Compensation Commission","url":"\/65.2-817\/","token":"65.2\/8\/65.2-817","metadata":false},{"id":376688,"structure_id":53551,"section_number":"65.2-818","catch_line":"Minimum standards of service for insurers","url":"\/65.2-818\/","token":"65.2\/8\/65.2-818","metadata":false},{"id":376689,"structure_id":53551,"section_number":"65.2-819","catch_line":"Penalty for violation of certain provisions","url":"\/65.2-819\/","token":"65.2\/8\/65.2-819","metadata":false},{"id":376690,"structure_id":53551,"section_number":"65.2-820","catch_line":"Application to State Corporation Commission for assignment of risk; insurer assigned risk to issue policy","url":"\/65.2-820\/","token":"65.2\/8\/65.2-820","metadata":false},{"id":376692,"structure_id":53551,"section_number":"65.2-821","catch_line":"State Corporation Commission to make rules and regulations, and establish rating schedules and rates","url":"\/65.2-821\/","token":"65.2\/8\/65.2-821","metadata":false},{"id":376691,"structure_id":53551,"section_number":"65.2-821.1","catch_line":"Payment and reimbursement practices; prohibitions","url":"\/65.2-821.1\/","token":"65.2\/8\/65.2-821.1","metadata":false},{"id":376693,"structure_id":53551,"section_number":"65.2-822","catch_line":"Action by State Corporation Commission upon application","url":"\/65.2-822\/","token":"65.2\/8\/65.2-822","metadata":false},{"id":376694,"structure_id":53551,"section_number":"65.2-823","catch_line":"Information filed with State Corporation Commission by insurance carrier to be confidential; exception","url":"\/65.2-823\/","token":"65.2\/8\/65.2-823","metadata":false},{"id":376695,"structure_id":53551,"section_number":"65.2-824","catch_line":"Disclosures not required of State Corporation Commission; liability for acts or omissions","url":"\/65.2-824\/","token":"65.2\/8\/65.2-824","metadata":false}],"previous_section":{"id":376683,"structure_id":53551,"section_number":"65.2-813","catch_line":"Insurance deemed subject to title; approval of forms","url":"\/65.2-813\/","token":"65.2\/8\/65.2-813","metadata":false},"next_section":{"id":376682,"structure_id":53551,"section_number":"65.2-813.2","catch_line":"Premium discounts; drug-free workplace programs","url":"\/65.2-813.2\/","token":"65.2\/8\/65.2-813.2","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/65.2-813.1\/","history_text":"<p>This law was first created in 1995. The record of its establishment is cataloged in chapter <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?951+ful+CHAP0237\">237<\/a> 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.<\/p>","references":false,"refers_to":false,"permalink":{"id":1503723,"object_type":"law","relational_id":376681,"identifier":"65.2-813.1","token":"65.2\/8\/65.2-813.1","url":"\/65.2-813.1\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/65.2-813.1\/","token":"65.2\/8\/65.2-813.1","dublin_core":{"Title":"Insurers offering policies with deductibles","Type":"Text","Format":"text\/html","Identifier":"\u00a7 65.2-813.1","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>Every insurer against liability arising under this title offering and making available policies in which the insured pays a deductible, without regard to amount and including such policies with deductibles of $1,000 or less, shall provide in such policies that (i) the insurer shall pay all of the deductible amount applicable to a compensable claim under this title to the person or provider entitled thereto, (ii) the insurer shall then obtain reimbursement from the policyholder for the applicable deductible amount, and (iii) failure to reimburse deductible amounts by the policyholder to the insurer will result in the cancellation of the deductible endorsement.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nINSURERS OFFERING POLICIES WITH DEDUCTIBLES (\u00a7 65.2-813.1)\n\nEvery insurer against liability arising under this title offering and making\navailable policies in which the insured pays a deductible, without regard to\namount and including such policies with deductibles of $1,000 or less, shall\nprovide in such policies that (i) the insurer shall pay all of the deductible\namount applicable to a compensable claim under this title to the person or\nprovider entitled thereto, (ii) the insurer shall then obtain reimbursement from\nthe policyholder for the applicable deductible amount, and (iii) failure to\nreimburse deductible amounts by the policyholder to the insurer will result in\nthe cancellation of the deductible endorsement.\n\nHISTORY: 1995, c. 237.","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"}}