Va. Code » Title 38.2. Insurance » Chapter 3. Provisions Relating to Insurance Policies and Contracts
Virginia Code

Va. Code Ann. § 38.2-318 (2026)

Validity of noncomplying forms

✓ current as of May 2026
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A. Any insurance policy or form containing any condition or provision that is not in compliance with this title shall be valid, but shall be construed and applied in accordance with the conditions and provisions required by this title.

B. As used in this section, "form" means any contract, rider, endorsement, amendment, certificate, or application or other instrument providing, modifying, or eliminating insurance coverage.

1952, c. 317, § 38.1-343; 1986, c. 562.

Notes of Decisions
Cited in 9 cases, 1988–2016 · leading case: State Farm Mut. Auto. Ins. v. Major, 389 S.E.2d 307 (Va. 1990).
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State Farm Mut. Auto. Ins. v. Major, 389 S.E.2d 307 (Va. 1990). · cites it 4× “1 The guardian argued, and the trial court agreed, that because of the provisions of Code § 38.2-318(A), 2 State *377 Farm’s medical payment limitation was superseded by Code § 38.”
Hill v. State Farm Mut. Auto. Ins., 375 S.E.2d 727 (Va. 1989). · cites it 2× “1-343 (now revised and recodified as Code § 38.2-318) take effect only where an insurer seeks, by policy language, to narrow, avoid, vary or restrict the coverage the legislature has required.”
State Farm Mut. Auto. Ins. v. Seay, 373 S.E.2d 910 (Va. 1988). · cites it 2× “1981) (now Code § 38.2-318). 1 In pertinent part, Code § 38.”
Virginia Farm Bureau Mut. Ins. v. Jerrell, 373 S.E.2d 913 (Va. 1988). · cites it 2× “1981) (now Code § 38.2-318). 4 'In pertinent part, Code § 38.”
Virginia Farm Bureau Mut. Ins. v. Jerrell, 373 S.E.2d 913 (Va. 1988). · cites it 2× “1981) (now Code § 38.2-318). [4] In pertinent part, Code § 38.”
Collins v. UNUM Life Ins. Co. of Am., 185 F. Supp. 3d 860 (E.D. Va. 2016). · cites it 3× “” Va. Code § 38.2-318(A). The precise application of this provision in the instant suit is complicated because of the standard of review.”
Millers Cas. Ins. v. Avis Rent-A-Car Sys., Inc., 48 Va. Cir. 577 (Norfolk Cir. Ct. 1996). · cites it 3× “Avis also contends that the rental agreement specifically limits UIM coverage to $25,000.”
Interstate Van Lines, Inc. v. Artis, 24 Va. Cir. 164 (Richmond County Cir. Ct. 1991). · cites it 2× “The superseding provisions of Code Section 38.2-318 accordingly are not triggered in this case, and the policy definition applies.”
Hooker v. State Farm Mut. Ins., 14 Va. Cir. 305 (Richmond County Cir. Ct. 1989). “1-343 (Now § 38.2-318 (1976)) mandates the broader coverage and the defendant’s attempt at limitation, even though approved by the State Corporation Commission, cannot supersede the statutory requirement.”
— Va. Code Ann. § 38.2-318(A) — 2 cases
State Farm Mut. Auto. Ins. v. Major, 389 S.E.2d 307 (Va. 1990). “1 The guardian argued, and the trial court agreed, that because of the provisions of Code § 38.2-318(A), 2 State *377 Farm’s medical payment limitation was superseded by Code § 38.”
Collins v. UNUM Life Ins. Co. of Am., 185 F. Supp. 3d 860 (E.D. Va. 2016). “” Va. Code § 38.2-318(A). The precise application of this provision in the instant suit is complicated because of the standard of review.”
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