One or more claims submitted under the comprehensive or towing coverages. A single claim by a single insured submitted under the medical expense coverage due to an accident for which the insured was neither wholly nor partially at fault One or more claims submitted under the uninsured motorists coverage of the policy where the uninsured motorist is known or there is physical evidence of contact One or more accidents or violations that occurred more than 48 months immediately preceding the upcoming anniversary date Lack of supporting business or lack of the potential for acquiring such business Lack of driving experience, or number of years driving experience Lawful occupation, including the military service
No insurer shall refuse to renew a motor vehicle insurance policy solely because of any one or more of the following factors: This section shall apply only to that portion of a policy of motor vehicle insurance providing the coverage required by §§ 38.2-2204, 38.2-2205, and 38.2-2206.Ĭ. Except as provided in subsection K, any policy with a policy period or term of less than 12 months or any policy with no fixed expiration date shall for the purpose of this section be considered as if written for successive policy periods or terms of six months from the original effective date.ī.
PUBLIC OR LIVERY CONVEYANCE MANUAL
Each renewal shall conform with the requirements of the manual rules and rating program currently filed by the insurer with the Commission. "Renewal" or "to renew" means (i) the issuance and delivery by an insurer of a policy superseding at the end of the policy period a policy previously issued and delivered by the same insurer, providing types and limits of coverage at least equal to those contained in the policy being superseded, or (ii) the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term with types and limits of coverage at least equal to those contained in the policy. The term "policy of motor vehicle insurance" or "policy" does not include (i) any policy issued through the Virginia Automobile Insurance Plan, (ii) any policy covering the operation of a garage, sales agency, repair shop, service station, or public parking place, (iii) any policy providing insurance only on an excess basis, or (iv) any other contract providing insurance to the named insured even though the contract may incidentally provide insurance on motor vehicles. Any other four-wheel motor vehicle which is not used in the occupation, profession, or business, other than farming, of the insured, or as a public or livery conveyance, or rented to others. A motor vehicle of a private passenger, station wagon, or motorcycle type that is not used commercially, rented to others, or used as a public or livery conveyance where the term "public or livery conveyance" does not include car pools, orĢ. "Policy of motor vehicle insurance" or "policy" means a policy or contract for bodily injury or property damage liability insurance issued or delivered in this Commonwealth covering liability arising from the ownership, maintenance, or use of any motor vehicle, insuring as the named insured one individual or spouses who are residents of the same household, and under which the insured vehicle designated in the policy is either:ġ. "Insurer" means any insurance company, association, or exchange licensed to transact motor vehicle insurance in the Commonwealth. "Cancellation" or "to cancel" means a termination of a policy during the policy period.
Grounds and procedure for cancellation of or refusal to renew motor vehicle insurance policies review by Commissioner.
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