VIRGINIA AUTO INSURANCE GUIDE

Virginia Duty to Defend, Reservations of Rights & Liability Coverage Defense

This guide will address the liability insurer’s defense obligations in Virginia, including the duty to defend, reservation-of-rights practice, conflicts between insured and insurer, declaratory coverage disputes, and the relationship between defense duties and indemnity obligations.

Publication review note — September 17, 2026. Verify current policy language and controlling Virginia duty-to-defend authority before publication.