{"law_id":"766162","section_number":"38.2-2107","catch_line":"Commission may establish guidelines for filing readable fire insurance policy forms","history":"1977, c. 255, \u00a7 38.1-367.1; 1979, c. 176; 1986, c. 562; 2003, c. 930; 2013, c. 12.","order_by":null,"metadata":false,"court_decisions":{"0":{"name":" .\u202f.\u202f. James O. Powell Gwen J. Powell v. United States Fidelity and .\u202f.\u202f. ","case_number":"94-1595","citation":"88 F.3d 271","date":"1996-07-02","url":"https:\/\/www.courtlistener.com\/opinion\/721329\/james-o-powell-gwen-j-powell-v-united-states-fidelity-and-guaranty\/","abstract":" .\u202f.\u202f. ] policies.--Except as provided in &#167; 38.2-2107, each policy shall contain the following .\u202f.\u202f. ","court_html":"Court of Appeals for the Fourth Circuit"},"1":{"name":"Zaeno Intern., Inc. v. State Farm Fire and Cas.","case_number":"CIV.A. 01-507-A","citation":"152 F. Supp. 2d 882","date":"2001-08-09","url":"https:\/\/www.courtlistener.com\/opinion\/2482883\/zaeno-intern-inc-v-state-farm-fire-and-cas\/","abstract":" .\u202f.\u202f. approved ... prior to issuance.\" Va.Code \u00a7 38.2-2107. The Virginia standard insurance policy form, .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"},"2":{"name":"Stone v. CERTAIN UNDERWRITERS AT LLOYDS LONDON","case_number":"CIV.A. 02-1768-A","citation":"258 F. Supp. 2d 436","date":"2003-04-21","url":"https:\/\/www.courtlistener.com\/opinion\/2480334\/stone-v-certain-underwriters-at-lloyds-london\/","abstract":" .\u202f.\u202f. policies.[7]See Va.Code \u00a7 38.2-2105. Under Va.Code \u00a7 38.2-2107, a fire insurance policy&#39;s .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"},"3":{"name":"Whitaker v. Nationwide Mut. Fire Ins. Co.","case_number":"Civ.A. 2:99CV994","citation":"115 F. Supp. 2d 612","date":"1999-09-19","url":"https:\/\/www.courtlistener.com\/opinion\/2580284\/whitaker-v-nationwide-mut-fire-ins-co\/","abstract":" .\u202f.\u202f. drafters of Virginia Code Sections 38.2-2105 and 38.2-2107. See Coker v. State Farm Fire &amp; .\u202f.\u202f. ","court_html":"District Court, E.D. Virginia"},"4":{"name":"Allstate v. Ploutis","case_number":"141536","citation":null,"date":"2015-09-17","url":"https:\/\/www.courtlistener.com\/opinion\/3150558\/allstate-v-ploutis\/","abstract":" .\u202f.\u202f. Commission prior to .\u202f.\u202f. ","court_html":"<abbr title=\"Supreme Court of Virginia\">SCV<\/abbr>"},"5":{"name":"Allstate v. Ploutis","case_number":"141536","citation":null,"date":"2015-09-17","url":"https:\/\/www.courtlistener.com\/opinion\/2959685\/allstate-v-ploutis\/","abstract":" .\u202f.\u202f. Commission prior to .\u202f.\u202f. ","court_html":"<abbr title=\"Supreme Court of Virginia\">SCV<\/abbr>"},"6":{"name":"Powell v. U S Fidelity Insur","case_number":"94-1595","citation":null,"date":"1996-07-02","url":"https:\/\/www.courtlistener.com\/opinion\/2966457\/powell-v-u-s-fidelity-insur\/","abstract":" .\u202f.\u202f. Commission prior to issuance.\" Va. Code Ann.\u00a7 38.2-2107.1 The Vir- .\u202f.\u202f. ","court_html":"Court of Appeals for the Fourth Circuit"},"7":{"name":"Allstate Insurance Company v. Charity","case_number":"970671","citation":null,"date":"1998-01-09","url":"https:\/\/www.courtlistener.com\/opinion\/1059971\/allstate-insurance-company-v-charity\/","abstract":" .\u202f.\u202f.  does not require a different result. Section 38.2- .\u202f.\u202f. ","court_html":"<abbr title=\"Supreme Court of Virginia\">SCV<\/abbr>"}},"official_url":"http:\/\/law.lis.virginia.gov\/vacode\/38.2-2107\/","refers_to":false,"url":"\/38.2-2107\/","token":"38.2\/21\/38.2-2107","structure":{"1":{"id":"849","name":"Fire Insurance Policies","identifier":"21","label":"chapter","url":"\/38.2\/21\/"},"2":{"id":"7","name":"Insurance","identifier":"38.2","label":"title","url":"\/38.2\/"}},"referred_to_by":false,"edition_id":"11","section_id":"766162","structure_id":"849","full_text":"A The Commission may establish guidelines for the filing of simplified and readable policies of insurance. An insurer may issue a simplified and readable policy of insurance that deviates in language from the standard policy form provided for in \u00a7\u00a7 38.2-2104, 38.2-2105, and 38.2-2106 if the deviating policy form is (i) in no respect less favorable to the insured than the standard policy form, and is (ii) approved by the Commission prior to issuance.\r\rB Notwithstanding the pro rata liability provision included in \u00a7 38.2-2105, such simplified and readable policies or endorsements may be issued to apply on an excess basis if such provisions are clearly stated in the policy form or endorsement.\r\r","text":{"0":{"id":"2469002","text":"The Commission may establish guidelines for the filing of simplified and readable policies of insurance. An insurer may issue a simplified and readable policy of insurance that deviates in language from the standard policy form provided for in \u00a7\u00a7 38.2-2104, 38.2-2105, and 38.2-2106 if the deviating policy form is (i) in no respect less favorable to the insured than the standard policy form, and is (ii) approved by the Commission prior to issuance.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1},"1":{"id":"2469003","text":"Notwithstanding the pro rata liability provision included in \u00a7 38.2-2105, such simplified and readable policies or endorsements may be issued to apply on an excess basis if such provisions are clearly stated in the policy form or endorsement.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1}},"ancestry":{"1":{"id":"849","name":"Fire Insurance Policies","identifier":"21","label":"chapter","url":"\/38.2\/21\/"},"2":{"id":"7","name":"Insurance","identifier":"38.2","label":"title","url":"\/38.2\/"}},"structure_contents":{"0":{"id":"766377","structure_id":"849","section_number":"38.2-2100","catch_line":"Application of chapter","url":"\/38.2-2100\/","token":"38.2\/21\/38.2-2100"},"1":{"id":"787887","structure_id":"849","section_number":"38.2-2101","catch_line":"Policies shall conform to provisions of this chapter","url":"\/38.2-2101\/","token":"38.2\/21\/38.2-2101"},"2":{"id":"765651","structure_id":"849","section_number":"38.2-2102","catch_line":"Excluding loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination","url":"\/38.2-2102\/","token":"38.2\/21\/38.2-2102"},"3":{"id":"768331","structure_id":"849","section_number":"38.2-2103","catch_line":"Information to be printed on policy","url":"\/38.2-2103\/","token":"38.2\/21\/38.2-2103"},"4":{"id":"766162","structure_id":"849","section_number":"38.2-2107","catch_line":"Commission may establish guidelines for filing readable fire insurance policy forms","url":"\/38.2-2107\/","token":"38.2\/21\/38.2-2107"},"5":{"id":"796497","structure_id":"849","section_number":"38.2-2108","catch_line":"Standards for content of fire insurance policies","url":"\/38.2-2108\/","token":"38.2\/21\/38.2-2108"},"6":{"id":"771408","structure_id":"849","section_number":"38.2-2109","catch_line":"Execution of policies","url":"\/38.2-2109\/","token":"38.2\/21\/38.2-2109"},"7":{"id":"767565","structure_id":"849","section_number":"38.2-2110","catch_line":"Other matter permitted in the policy","url":"\/38.2-2110\/","token":"38.2\/21\/38.2-2110"},"8":{"id":"792030","structure_id":"849","section_number":"38.2-2111","catch_line":"Special regulations to be added to policy","url":"\/38.2-2111\/","token":"38.2\/21\/38.2-2111"},"9":{"id":"780725","structure_id":"849","section_number":"38.2-2112","catch_line":"Temporary insurance contracts; duration; what deemed to include","url":"\/38.2-2112\/","token":"38.2\/21\/38.2-2112"},"10":{"id":"775586","structure_id":"849","section_number":"38.2-2113","catch_line":"Mailing or electronic delivery of notice of cancellation or refusal to renew","url":"\/38.2-2113\/","token":"38.2\/21\/38.2-2113"},"11":{"id":"784991","structure_id":"849","section_number":"38.2-2114","catch_line":"Grounds and procedure for termination of policy; contents of notice; review by Commissioner; exceptions; immunity from liability","url":"\/38.2-2114\/","token":"38.2\/21\/38.2-2114"},"12":{"id":"765821","structure_id":"849","section_number":"38.2-2114.1","catch_line":"Powers of Commission; replacement policies","url":"\/38.2-2114.1\/","token":"38.2\/21\/38.2-2114.1"},"13":{"id":"770743","structure_id":"849","section_number":"38.2-2115","catch_line":"Discrimination in issuance of fire insurance","url":"\/38.2-2115\/","token":"38.2\/21\/38.2-2115"},"14":{"id":"789653","structure_id":"849","section_number":"38.2-2116","catch_line":"Policies issued by two or more insurers","url":"\/38.2-2116\/","token":"38.2\/21\/38.2-2116"},"15":{"id":"775880","structure_id":"849","section_number":"38.2-2117","catch_line":"Approval of forms or provisions for additional coverage","url":"\/38.2-2117\/","token":"38.2\/21\/38.2-2117"},"16":{"id":"778268","structure_id":"849","section_number":"38.2-2118","catch_line":"(Applicable to new or renewal policies issued on or after January 1, 2017) Required statement on insurance policies for owner-occupied dwellings","url":"\/38.2-2118\/","token":"38.2\/21\/38.2-2118"},"17":{"id":"766195","structure_id":"849","section_number":"38.2-2118","catch_line":"(Applicable to new or renewal policies issued before January 1, 2017) Required statement on insurance policies for owner-occupied dwellings","url":"\/38.2-2118\/","token":"38.2\/21\/38.2-2118"},"18":{"id":"793490","structure_id":"849","section_number":"38.2-2119","catch_line":"(Applicable to new or renewal policies issued on or after January 1, 2017) Approval of forms or provisions for certain risks","url":"\/38.2-2119\/","token":"38.2\/21\/38.2-2119"},"19":{"id":"793796","structure_id":"849","section_number":"38.2-2119","catch_line":"(Applicable to new or renewal policies issued before January 1, 2017) Approval of forms or provisions for certain risks","url":"\/38.2-2119\/","token":"38.2\/21\/38.2-2119"},"20":{"id":"780075","structure_id":"849","section_number":"38.2-2120","catch_line":"(Applicable to new or renewal policies issued on or after January 1, 2017) Optional coverage to be offered with homeowner's policy","url":"\/38.2-2120\/","token":"38.2\/21\/38.2-2120"},"21":{"id":"782742","structure_id":"849","section_number":"38.2-2120","catch_line":"(Applicable to new or renewal policies issued before January 1, 2017) Optional coverage to be offered with homeowner's policy","url":"\/38.2-2120\/","token":"38.2\/21\/38.2-2120"},"22":{"id":"777510","structure_id":"849","section_number":"38.2-2121","catch_line":"When courts may appoint umpires","url":"\/38.2-2121\/","token":"38.2\/21\/38.2-2121"},"23":{"id":"778858","structure_id":"849","section_number":"38.2-2122","catch_line":"Appraisers and umpire to be citizens of Virginia; oath to be taken","url":"\/38.2-2122\/","token":"38.2\/21\/38.2-2122"},"24":{"id":"788307","structure_id":"849","section_number":"38.2-2123","catch_line":"Chapter not applicable to certain mutual insurers","url":"\/38.2-2123\/","token":"38.2\/21\/38.2-2123"},"25":{"id":"781690","structure_id":"849","section_number":"38.2-2124","catch_line":"Optional coverage to be offered with fire insurance policy","url":"\/38.2-2124\/","token":"38.2\/21\/38.2-2124"},"26":{"id":"774966","structure_id":"849","section_number":"38.2-2125","catch_line":"Notice regarding flood exclusion","url":"\/38.2-2125\/","token":"38.2\/21\/38.2-2125"},"27":{"id":"784198","structure_id":"849","section_number":"38.2-2126","catch_line":"Insurance credit score disclosure; use of credit information","url":"\/38.2-2126\/","token":"38.2\/21\/38.2-2126"},"28":{"id":"783482","structure_id":"849","section_number":"38.2-2127","catch_line":"Notice of change in deductible","url":"\/38.2-2127\/","token":"38.2\/21\/38.2-2127"},"29":{"id":"773150","structure_id":"849","section_number":"38.2-2128","catch_line":"Certain exclusions permitted","url":"\/38.2-2128\/","token":"38.2\/21\/38.2-2128"},"30":{"id":"786768","structure_id":"849","section_number":"38.2-2129","catch_line":"Notice regarding earthquake exclusion","url":"\/38.2-2129\/","token":"38.2\/21\/38.2-2129"},"31":{"id":"775830","structure_id":"849","section_number":"38.2-2130","catch_line":"Coverage for volunteer fire department costs","url":"\/38.2-2130\/","token":"38.2\/21\/38.2-2130"}},"previous_section":{"id":"768331","structure_id":"849","section_number":"38.2-2103","catch_line":"Information to be printed on policy","url":"\/38.2-2103\/","token":"38.2\/21\/38.2-2103"},"next_section":{"id":"796497","structure_id":"849","section_number":"38.2-2108","catch_line":"Standards for content of fire insurance policies","url":"\/38.2-2108\/","token":"38.2\/21\/38.2-2108"},"references":false,"formats":{"txt":"\/38.2-2107.txt","json":"\/38.2-2107.json","xml":"\/38.2-2107.xml"},"dublin_core":{"Title":"Commission may establish guidelines for filing readable fire insurance policy forms","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2107","Relation":"Code of Virginia"},"plain_text":"                                 CODE OF VIRGINIA\n\nCOMMISSION MAY ESTABLISH GUIDELINES FOR FILING READABLE FIRE INSURANCE POLICY\nFORMS (\u00a7 38.2-2107)\n\nA. The Commission may establish guidelines for the filing of simplified and\nreadable policies of insurance. An insurer may issue a simplified and readable\npolicy of insurance that deviates in language from the standard policy form\nprovided for in \u00a7\u00a7 38.2-2104, 38.2-2105, and 38.2-2106 if the deviating policy\nform is (i) in no respect less favorable to the insured than the standard policy\nform, and is (ii) approved by the Commission prior to issuance.\n\nB. Notwithstanding the pro rata liability provision included in \u00a7 38.2-2105,\nsuch simplified and readable policies or endorsements may be issued to apply on\nan excess basis if such provisions are clearly stated in the policy form or\nendorsement.\n\nHISTORY: 1977, c. 255, \u00a7 38.1-367.1; 1979, c. 176; 1986, c. 562; 2003, c. 930;\n2013, c. 12."}