Jones v. STATE FARM MUT. AUTO. INS. CO.

*646OPINION BY Justice G. STEVEN AGEE.

The sole issue in this appeal is whether territorial restrictions on coverage for medical expenses under certain insurance policies violate Code § 38.2-2201(A)(1).

I. BACKGROUND AND PROCEEDINGS BELOW

Frank Jones, Kathy Jones, Joanne Bangle, James R. Greer, Henry Hankins, and Patricia Hankins ("plaintiffs") were involved in a motor vehicle accident in St. Maarten in the Netherlands Antilles where all sustained physical injuries. The plaintiffs incurred significant medical expenses both in St. Maarten and in the United States. They were covered by their…