SB594 • 2026

Motor vehicle insurance; unauthorized addition of insured drivers prohibited.

An Act to amend the Code of Virginia by adding in Chapter 22 of Title 38.2 a section numbered 38.2-2235, relating to motor vehicle insurance; unauthorized addition of insured drivers prohibited.

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor: DeSteph
Last action: 2026-04-13
Official status: Acts of Assembly Chapter
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Motor vehicle insurance; unauthorized addition of insured drivers prohibited.

What This Bill Does

Motor vehicle insurance; unauthorized addition of insured drivers prohibited.
Prohibits an insurance carrier authorized to issue motor vehicle liability insurance policies from automatically adding any person to the list of persons insured under a motor vehicle owner's policy or to the household of a named insured for purposes of such policy based solely on certain information enumerated in the bill.

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-04-13 Governor
Approved by Governor-Chapter 898 (effective 7/1/2026)
2026-04-13 Governor
Acts of Assembly Chapter text (CHAP0898)
2026-04-13 Governor
Acts of Assembly Chapter text (CHAP0898)
2026-03-12 Senate
Fiscal Impact Statement from State Corporation Commission (SB594)
2026-03-10 Senate
Enrolled Bill communicated to Governor on March 10, 2026
2026-03-10 Governor
Governor's Action Deadline 11:59 p.m., April 13, 2026
2026-03-09 House
Signed by Speaker
2026-03-09 Senate
Signed by President
2026-03-09 Senate
Enrolled
2026-03-09 Senate
Bill text as passed Senate and House (SB594ER)
2026-03-03 House
Read third time
2026-03-03 House
Passed by temporarily
2026-03-03 House
Passed House Block Vote (97-Y 0-N 0-A)
2026-03-03 Commerce and Labor
Fiscal Impact Statement from State Corporation Commission (SB594)
2026-03-02 House
Read second time
2026-02-26 Labor and Commerce
Reported from Labor and Commerce (21-Y 0-N)
2026-02-24 Subcommittee #1
Subcommittee recommends reporting (8-Y 0-N)
2026-02-20 House
Placed on Calendar
2026-02-20 Labor and Commerce
Referred to Committee on Labor and Commerce
2026-02-20 Subcommittee #1
Assigned HCL sub: Subcommittee #1
2026-02-20 House
Read first time
2026-02-16 Senate
Read second time
2026-02-16 Senate
Engrossed by Senate - committee substitute Block Vote (Voice Vote)
2026-02-16 Senate
Rules suspended
2026-02-16 Senate
Blank Action
2026-02-16 Commerce and Labor
Commerce and Labor Substitute agreed to
2026-02-16 Senate
Engrossed by Senate Block Vote (Voice Vote)
2026-02-16 Senate
Constitutional reading dispensed Block Vote (on 3rd reading) (39-Y 0-N 0-A)
2026-02-16 Senate
Read third time and passed Senate Block Vote (39-Y 0-N 0-A)
2026-02-13 Senate
Rules suspended
2026-02-13 Senate
Passed by for the day
2026-02-13 Commerce and Labor
Committee substitute printed 26107848D-S1
2026-02-13 Senate
Constitutional reading dispensed Block Vote (on 1st reading) (35-Y 0-N 0-A)
2026-02-12 Commerce and Labor
Reported from Commerce and Labor with substitute (15-Y 0-N)
2026-02-12 Senate
Senate committee offered
2026-02-08 Senate
Fiscal Impact Statement from State Corporation Commission (SB594)
2026-01-29 Transportation
Rereferred from Transportation to Commerce and Labor (14-Y 0-N)
2026-01-14 Senate
Prefiled and ordered printed; Offered 01-14-2026 26101203D
2026-01-14 Transportation
Referred to Committee on Transportation

Official Summary Text

Motor vehicle insurance; unauthorized addition of insured drivers prohibited.
Prohibits an insurance carrier authorized to issue motor vehicle liability insurance policies from automatically adding any person to the list of persons insured under a motor vehicle owner's policy or to the household of a named insured for purposes of such policy based solely on certain information enumerated in the bill.

Current Bill Text

Read the full stored bill text

An Act to amend the Code of Virginia by adding in Chapter 22 of Title 38.2 a section numbered
38.2-2235
, relating to motor vehicle insurance; unauthorized addition of insured drivers prohibited.
Be it enacted by the General Assembly of Virginia:
1. That the Code of Virginia is amended by adding in Chapter 22 of Title 38.2 a section numbered
38.2-2235
as follows:
§
38.2-2235
. Unauthorized addition of insured drivers prohibited.
A. No insurance carrier authorized to issue policies as provided in this chapter shall add any person to the list of persons insured under a policy of motor vehicle insurance, as defined in §
38.2-2212
, or to the household of a named insured for purposes of such policy based solely on information obtained from external sources, including a residential search, an address matching database, public records, a credit report, or any other third-party data source, or the carrier's belief that such person resides at the same address as the named insured.
B. No provision of subsection A shall apply if (i) notice of the proposed change is provided to the named insured in writing or electronically no less than 45 calendar days prior to the effective date of the change and (ii) the named insured fails to provide to the carrier, at any time prior to the effective date of the change, evidence that such person does not reside in the household of the named insured, including a valid Virginia driver's license issued within the preceding six months, recent utility bills dated within the preceding 60 days, a mortgage coupon or statement dated within the preceding 60 days, or a rental insurance coverage summary dated within the preceding 60 days displaying a current residential street address. An individual may additionally complete a verification interview with the carrier to provide evidence that the individual does not reside in the household of the named insured.
2. That the provisions of this act shall apply to any policy of motor vehicle insurance entered into, amended, or renewed on or after January 1, 2027.