                                 CODE OF VIRGINIA

REQUIRED NOTICE OF OPTIONAL COVERAGE AVAILABLE (§ 38.2-2202)

A. 1. No new policy for insurance covering liability arising out of the
ownership, maintenance, or use of any motor vehicle shall be issued or delivered
in the Commonwealth unless there is enclosed with the policy, in boldface type,
the following statement:
			&#8220;IMPORTANT NOTICE:			IN ADDITION TO THE MINIMUM INSURANCE REQUIRED BY
LAW, YOU MAY PURCHASE ADDITIONAL INSURANCE COVERAGE FOR THE NAMED INSURED AND
FOR HIS RELATIVES WHO ARE MEMBERS OF HIS HOUSEHOLD WHILE IN OR UPON, ENTERING OR
ALIGHTING FROM A MOTOR VEHICLE, OR THROUGH BEING STRUCK BY A MOTOR VEHICLE WHILE
NOT OCCUPYING A MOTOR VEHICLE, AND FOR OCCUPANTS OF THE INSURED MOTOR VEHICLE.
THE FOLLOWING HEALTH CARE AND DISABILITY BENEFITS ARE AVAILABLE FOR EACH
ACCIDENT:

   a. PAYMENT OF UP TO $2,000 PER PERSON FOR ALL REASONABLE AND NECESSARY
   EXPENSES FOR MEDICAL, CHIROPRACTIC, HOSPITAL, DENTAL, SURGICAL, PROSTHETIC AND
   REHABILITATION SERVICES, SERVICES PROVIDED BY AN EMERGENCY MEDICAL SERVICES
   VEHICLE AS DEFINED IN &#xA7; 32.1-111.1 OF THE CODE OF VIRGINIA , AND FUNERAL
   EXPENSES RESULTING FROM THE ACCIDENT AND INCURRED WITHIN THREE YEARS AFTER THE
   DATE OF THE ACCIDENT. HOWEVER, IF YOU DO NOT PURCHASE THE $2,000 LIMIT OF
   COVERAGE, YOU AND THE COMPANY MAY AGREE TO ANY OTHER LIMIT; AND;

   b. AN AMOUNT EQUAL TO THE LOSS OF INCOME UP TO $100 PER WEEK IF THE INJURED
   PERSON IS ENGAGED IN AN OCCUPATION FOR WHICH HE RECEIVES COMPENSATION, FROM
   THE FIRST WORKDAY LOST AS A RESULT OF THE ACCIDENT UP TO THE DATE THE PERSON
   IS ABLE TO RETURN TO HIS USUAL OCCUPATION. SUCH PAYMENTS ARE LIMITED TO A
   PERIOD EXTENDING ONE YEAR FROM THE DATE OF THE ACCIDENT.
   				IF YOU DESIRE TO PURCHASE EITHER OR BOTH OF THESE COVERAGES AT AN
   ADDITIONAL PREMIUM, YOU MAY DO SO BY CONTACTING THE AGENT OR COMPANY THAT
   ISSUED YOUR POLICY.&#8221;

      2. The insurer issuing the policy shall inform the insured by any reasonable
      means of communication of the approximate premium for the additional
      coverage.

B. No new policy of insurance covering liability arising out of the ownership,
maintenance, or use of any motor vehicle shall be issued or delivered in the
Commonwealth unless the following statement, printed in boldface type, is
enclosed with the policy:
			&#8220;IMPORTANT NOTICE:			YOU ARE ENTITLED TO PURCHASE
UNINSURED/UNDERINSURED COVERAGE LIMITS EQUAL TO THE LIABILITY LIMITS ON YOUR
MOTOR VEHICLE POLICY. HOWEVER, ANY ONE NAMED INSURED HAS THE RIGHT TO REDUCE THE
LIMITS OF THE UNINSURED/UNDERINSURED MOTORIST COVERAGE TO LESS THAN THE
LIABILITY LIMITS ON THE POLICY BUT NO LOWER THAN THE FINANCIAL RESPONSIBILITY
LIMITS REQUIRED BY &#xA7; 46.2-472 OF THE CODE OF VIRGINIA. THE INSURER MAY
REQUIRE THAT A REQUEST TO REDUCE COVERAGE BE IN WRITING. ONCE ANY ONE NAMED
INSURED REDUCES THE POLICY LIMITS FOR UNINSURED/UNDERINSURED MOTORIST COVERAGE
BELOW THE POLICY&#8217;S LIABILITY LIMITS, THAT ELECTION IS BINDING ON ALL
INSUREDS ON THE POLICY. LATER, IF YOU DESIRE TO INCREASE YOUR LIMITS, YOU MUST
MAKE A SPECIFIC REQUEST TO YOUR INSURER. YOU MAY WANT TO PUT THIS REQUEST IN
WRITING.			BEFORE REDUCING THE LIMITS OF THE UNINSURED/UNDERINSURED MOTORIST
COVERAGE, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT
PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO
THE ACTIONS OF AN UNINSURED/UNDERINSURED MOTORIST.&#8221;

C. No policy of insurance covering liability arising out of the ownership,
maintenance, or use of any motor vehicle shall be issued, delivered, or renewed
after July 1, 2025, in the Commonwealth unless the following statement, printed
in boldface type, is enclosed with the policy:
			&#8220;IMPORTANT NOTICE:			YOUR INSURANCE IS REQUIRED TO PROVIDE UNDERINSURED
MOTORIST COVERAGE THAT PAYS ANY DAMAGES DUE TO AN INSURED IN ADDITION TO ANY
BODILY INJURY OR PROPERTY DAMAGE LIABILITY THAT IS APPLICABLE TO THE
INSURED&#8217;S DAMAGES. YOU MAY CHOOSE TO CHANGE THE WAY YOUR UNDERINSURED
MOTORIST COVERAGE IS CALCULATED. DEPENDING ON THE CHANGE, YOU MAY REDUCE THE
AMOUNT OF COVERAGE YOU HAVE AND YOUR PREMIUM MAY CHANGE. CONTACT YOUR AGENT OR
INSURER FOR ADDITIONAL INFORMATION.			ANY REQUEST TO CHANGE HOW YOUR
UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST BE IN WRITING. ONCE ANY NAMED
INSURED CHOOSES TO MAKE SUCH A CHANGE IN THE UNDERINSURED MOTORIST COVERAGE,
THAT CHANGE IS BINDING ON ALL INSUREDS ON THE POLICY. ANY LATER CHANGES YOU MAY
WISH TO MAKE TO HOW YOUR UNDERINSURED MOTORIST COVERAGE IS CALCULATED MUST ALSO
BE IN WRITING.			BEFORE CHANGING HOW YOUR UNDERINSURED MOTORIST COVERAGE IS
CALCULATED, YOU SHOULD CAREFULLY CONSIDER THAT THIS COVERAGE PROVIDES IMPORTANT
PROTECTION IN THE EVENT YOU ARE INJURED OR YOUR MOTOR VEHICLE IS DAMAGED DUE TO
THE ACTIONS OF AN UNDERINSURED MOTORIST.&#8221;

HISTORY: 1974, c. 607, § 38.1-380.2; 1977, c. 112; 1981, c. 245; 1982, cc. 450,
642; 1986, c. 562; 1987, c. 429; 1989, c. 243; 1992, c. 230; 2001, c. 564; 2015,
cc. 502, 503; 2016, c. 558; 2022, c. 308; 2025, c. 331.