Va. Code § 38.2-1201 : INSURANCE — Reciprocal Insurance — General Provisions —1201 - Definitions TEXT PDF A. As used in this title: "Reciprocal" means the aggregation of subscribers under a common name. "Reciprocal insurance" means insurance resulting from the mutual exchange of insurance contracts among persons in an unincorporated association under a common name through an attorney-in-fact having authority to obligate each person both as insured and insurer. B. As used in this chapter: "Attorney" means the person designated and authorized by subscribers as the attorney-in-fact having authority to obligate them on reciprocal insurance contracts. "Subscriber" means a person obligated under a reciprocal insurance agreement. Va. Code § 38.2-1201 1952, c. 317, § 38.1-689; 1986, c. 562. Amended by Acts 1986, § c. 562. Amended by Acts 1952, § c. 317, § 38.1-689.