Any policy may provide:
1. That the insured, or any other person covered by the policy, shall reimburse the insurance carrier for payments made on account of any accident, claim, or suit involving a breach of the terms, provisions, or conditions of the policy; or
2. For proration of the insurance with other applicable valid and collectible insurance.
Code 1950, § 46-499; 1958, c. 541, § 46.1-512; 1989, c. 727.