California Insurance Code
(Last Updated August 2008)

California Insurance Code Section 1
This act shall be known as the Insurance Code.
California Insurance Code Section 2
The provisions of this code in so far as they are substantially the same as existing statutory provisions relating to the same subject matter shall...
California Insurance Code Section 3
All persons who, at the time this code goes into effect, hold office under any of the acts repealed by this code, which offices are continued by this
California Insurance Code Section 4
No action or proceeding commenced before this code takes effect, and no right accrued, is affected by the provisions of this code, but all procedure...
California Insurance Code Section 5
Unless the context otherwise requires, the general provisions hereinafter set forth shall govern the construction of this code.
California Insurance Code Section 6
Division, part, chapter, article, and section headings contained herein shall not be deemed to govern, limit, modify or in any manner affect the...
California Insurance Code Section 7
Whenever, by the provisions of this code, a power is granted to a public officer or a duty imposed upon such an officer, the power may be exercised...
California Insurance Code Section 8
Writing includes any form of recorded message capable of comprehension by ordinary visual means. Whenever any notice, report, statement or record is
California Insurance Code Section 9
Whenever any reference is made to any portion of this code or of any other law of this State, such reference shall apply to all amendments and...
California Insurance Code Section 10
"Section" means a section of this code unless some other statute is specifically mentioned and "subdivision" or "subsection" means a subdivision or...
California Insurance Code Section 11
The present tense includes the past and future tenses; and the future, the present.
California Insurance Code Section 12
The masculine gender includes the feminine and neuter.
California Insurance Code Section 13
The singular number includes the plural, and the plural the singular.
California Insurance Code Section 14
"County" includes "city and county."
California Insurance Code Section 15
"City" includes "city and county."
California Insurance Code Section 16
As used in this code the word "shall" is mandatory and the word "may" is permissive, unless otherwise apparent from the context.
California Insurance Code Section 17
"Oath" includes affirmation.
California Insurance Code Section 18
"Signature" or "subscription" includes mark when the signer or subscriber can not write, such signer's or subscriber's name being written near the...
California Insurance Code Section 19
"Person" means any person, association, organization, partnership, business trust, limited liability company, or corporation.
California Insurance Code Section 20
"Commissioner" means the Insurance Commissioner of this State.
California Insurance Code Section 20.5
Whenever in this code the terms "State Industrial Accident Commission" or "Industrial Accident Commission" or "commission," relating to the said...
California Insurance Code Section 21
"Division," and "department," in reference to the government of this state, mean the Department of Insurance of this state.
California Insurance Code Section 21.5
(a) "Administrative law bureau" or "administrative hearing bureau" means the unit within the Department of Insurance that provides administrative...
California Insurance Code Section 22
Insurance is a contract whereby one undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event.
California Insurance Code Section 23
The person who undertakes to indemnify another by insurance is the insurer, and the person indemnified is the insured.
California Insurance Code Section 24
"Admitted," in relation to a person, means entitled to transact insurance business in this state, having complied with the laws imposing conditions...
California Insurance Code Section 25
"Nonadmitted," in relation to a person, means not entitled to transact insurance business in this State, whether by reason of failure to comply with...
California Insurance Code Section 26
"Domestic" means organized under the laws of this State, whether or not admitted.
California Insurance Code Section 27
"Foreign" means not organized under the laws of this State, whether or not admitted.
California Insurance Code Section 28
"State" means the State of California, unless applied to the different parts of the United States. In the latter case, it includes the District of...
California Insurance Code Section 29
"Mortgage" includes a trust deed, "mortgagor" includes a trustor under such trust deed, "mortgagee" includes a beneficiary under such trust deed, or...
California Insurance Code Section 30
"Resident" means residing in this State, "nonresident" means not residing in this State.
California Insurance Code Section 31
"Insurance agent" means a person authorized, by and on behalf of an insurer, to transact all classes of insurance other than life insurance. An...
California Insurance Code Section 32
(a) A life licensee is a person authorized to act as a life agent on behalf of a life insurer or a disability insurer to transact any of the...
California Insurance Code Section 32.5
"Life and disability insurance analyst" means a person who, for a fee or compensation of any kind, paid by or derived from any person or source other
California Insurance Code Section 33
"Insurance broker" means a person who, for compensation and on behalf of another person, transacts insurance other than life with, but not on behalf...
California Insurance Code Section 33.5
"Fire and casualty broker-agent" means a person licensed pursuant to Section 1625.
California Insurance Code Section 34
"Insurance solicitor" means a natural person employed to aid a fire and casualty broker-agent acting as an insurance agent or insurance broker in...
California Insurance Code Section 35
"Transact" as applied to insurance includes any of the following: (a) Solicitation. (b) Negotiations preliminary to execution. (c) Execution
California Insurance Code Section 36
"Paid-in capital" or "capital paid-in" means: (a) In the case of a foreign mutual insurer not issuing or having outstanding capital stock, the...
California Insurance Code Section 37
Provisions of this code relating to a particular class of insurance or a particular type of insurer prevail over provisions relating to insurance in...
California Insurance Code Section 38
Unless expressly otherwise provided, any notice required to be given to any person by any provision of this code may be given by mailing notice,...
California Insurance Code Section 39
If any provision of this code, or the application thereof to any person or circumstance, is held invalid, the remainder of the code, or the...
California Insurance Code Section 40
The existence of insurers formed prior to the date this code takes effect shall not be affected by the enactment of this code nor by any repeal of...
California Insurance Code Section 41
All insurance in this State is governed by the provisions of this code.
California Insurance Code Section 42
The designation of insurance coverage as "group" in any code or law of this State other than this code does not authorize its representation as a...
California Insurance Code Section 44
Any person who willfully and knowingly makes, circulates, or transmits to another any false written or printed statement for the purpose of damaging...
California Insurance Code Section 45
(a) "Electronic funds transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, that...
California Insurance Code Section 46
The Legislature hereby declares its intent that the term "workmen's compensation" shall hereafter also be known as "workers' compensation." In...
California Insurance Code Section 47
"Surplus line broker" means a person licensed under Section 1765 and authorized to do business under Chapter 6 (commencing with Section 1760) of Part
California Insurance Code Section 48
A "surplus line broker certificate" means a certificate issued by a surplus line broker to an insurance purchaser as evidence of the placement of...
California Insurance Code Section 100
Insurance in this state is divided into the following classes: (1) Life (2) Fire (3) Marine (4) Title (5) Surety (6) Disability
California Insurance Code Section 101
Life insurance includes insurance upon the lives of persons or appertaining thereto, and the granting, purchasing, or disposing of annuities.
California Insurance Code Section 102
Fire insurance includes: (a) Insurance against loss by fire, lightning, windstorm, tornado, or earthquake. (b) Insurance against loss of, or...
California Insurance Code Section 103
Marine insurance includes insurance against any and all kinds of loss of or damage to: (a) Vessels, craft, aircraft, cars, automobiles and...
California Insurance Code Section 104
Title insurance means insuring, guaranteeing or indemnifying owners of real or personal property or the holders of liens or encumbrances thereon or...
California Insurance Code Section 105
Surety insurance includes: (a) The guaranteeing of behavior of persons and the guaranteeing of performance of contracts (including executing or...
California Insurance Code Section 106
(a) Disability insurance includes insurance appertaining to injury, disablement or death resulting to the insured from accidents, and appertaining to
California Insurance Code Section 107
Plate glass insurance includes insurance against breakage of glass.
California Insurance Code Section 108
Liability insurance includes: (a) Insurance against loss resulting from liability for injury, fatal or nonfatal, suffered by any natural person,...
California Insurance Code Section 108.1
Insurers admitted to transact liability insurance are also deemed to be admitted to transact workers' compensation insurance for the purpose of...
California Insurance Code Section 109
Workmen's compensation insurance includes insurance against loss from liability imposed by law upon employers to compensate employees and their...
California Insurance Code Section 110
Common carrier liability insurance includes insurance against loss resulting from liability of a common carrier for accident or injury, fatal or...
California Insurance Code Section 111
Boiler and machinery insurance includes insurance against loss of property and liability for damage to persons or property from explosion of, or...
California Insurance Code Section 112
Burglary insurance includes: (a) Insurance against loss by burglary or theft or both. (b) Insurance against loss of, or destruction of, or...
California Insurance Code Section 113
Credit insurance includes insurance of persons engaged in business against loss by reason of extending credit to those dealing with them, and...
California Insurance Code Section 114
Sprinkler insurance includes insurance against loss through damage by water to goods or premises arising from the breakage or leakage of sprinklers,...
California Insurance Code Section 115
Team and vehicle insurance includes insurance against loss through damage or legal liability for damage, to property caused by the use of teams or...
California Insurance Code Section 116
(a) Automobile insurance includes insurance of automobile owners, users, dealers, or others having insurable interests therein, against hazards...
California Insurance Code Section 116.5
An express warranty warranting a motor vehicle lubricant, treatment, fluid, or additive that covers incidental or consequential damage resulting from
California Insurance Code Section 116.6
(a) Notwithstanding Section 116, a warranty issued by the warrantor of a vehicle protection product shall constitute an express warranty, as defined...
California Insurance Code Section 117
Mortgage insurance includes the guaranteeing of the payment of the principal, interest and other sums agreed to be paid under the terms of any note...
California Insurance Code Section 118
Aircraft insurance includes insurance of aircraft owners, users, dealers or others having insurable interests therein, against loss through hazards...
California Insurance Code Section 119
Mortgage guaranty insurance includes insurance against financial loss by reason of the nonpayment of principal, interest and other sums agreed to be...
California Insurance Code Section 119.5
Insolvency insurance includes insurance against loss arising from the failure of an insolvent insurer to discharge its obligations under its...
California Insurance Code Section 119.6
Legal insurance includes the assumption of a contractual obligation to reimburse the insured against all or a portion of his fees, costs, and...
California Insurance Code Section 120
Miscellaneous insurance includes insurance against loss from damage done, directly or indirectly by lightning, windstorm, tornado, earthquake or...
California Insurance Code Section 121
Except as otherwise stated, the enumeration in this chapter of the kinds of insurance in a particular class does not limit any such kind to any one...
California Insurance Code Section 122
(a) An insurer admitted for all the classes of insurance defined in Sections 102, 107, 108, 112 and 120 is authorized, in addition to the...
California Insurance Code Section 123
An insurer admitted to transact liability insurance may extend such insurance on noncommercial or farm risks to include insurance of the legal...
California Insurance Code Section 124
"Financial guaranty insurance" means that insurance as defined by Section 12100.
California Insurance Code Section 124.5
"Homeowners' insurance" means insurance covering the risks described in subdivision (a) of Section 675.
California Insurance Code Section 125
This chapter shall be known and may be cited as the California Risk Retention Act of 1991.
California Insurance Code Section 126
The Legislature finds and declares that the provisions of this chapter are for the purpose of providing a means for a bona fide for-profit or...
California Insurance Code Section 127
Unless the context otherwise requires, the general provisions hereinafter set forth shall govern the application of this chapter and supersede any...
California Insurance Code Section 128
The purposes of this chapter are as follows: (a) To regulate the formation and operation of risk retention groups and purchasing groups in this...
California Insurance Code Section 130
The following definitions govern this chapter: (a) "Commissioner" means the Insurance Commissioner of this state or the commissioner, director, or
California Insurance Code Section 131
(a) An entity seeking to be licensed in this state as a risk retention group shall be organized under the laws of this state and licensed as a...
California Insurance Code Section 132
Risk retention groups chartered, incorporated, or licensed in states other than this state and seeking to do business as a risk retention group in...
California Insurance Code Section 133
(a) No risk retention group shall be required or permitted to join or contribute financially to any insurance insolvency guaranty fund, or similar...
California Insurance Code Section 134
(a) A purchasing group that intends to do business in this state shall, prior to doing business, furnish to the commissioner notice, which shall do...
California Insurance Code Section 135
(a) No purchasing group may offer insurance policy coverage prohibited by Section 533.5 or declared invalid by the Supreme Court of California. ...
California Insurance Code Section 136
The powers authorized by this chapter shall only be exercised to the extent these powers are not preempted by the Product Liability Risk Retention...
California Insurance Code Section 137
(a) No person, firm, association, or corporation shall act or aid in any manner in soliciting, negotiating, or procuring liability insurance in this...
California Insurance Code Section 138
There shall be no civil liability on the part of any agent or broker who places liability insurance coverage on behalf of any risk retention group...
California Insurance Code Section 140
The commissioner may order a purchasing group or risk retention group to cease and desist from the solicitation or sale of insurance by, or the...
California Insurance Code Section 150
Any person capable of making a contract may be an insurer, subject to the restrictions imposed by this code.
California Insurance Code Section 151
Any person except a public enemy may be insured.
California Insurance Code Section 170
Unless the policy otherwise provides, if a mortgagor of property effects insurance in his own name providing that the loss shall be payable to the...
California Insurance Code Section 171
In case of such a provision or assignment, any act of the mortgagor, prior to the loss and which would otherwise avoid the insurance, will have the...
California Insurance Code Section 172
If an insurer assents to the transfer of insurance from a mortgagor to a mortgagee, and, at the time of the assent, imposes further obligations on...
California Insurance Code Section 250
Except as provided in this article, any contingent or unknown event, whether past or future, which may damnify a person having an insurable interest,
California Insurance Code Section 251
A lottery or its outcome shall not be insured against.
California Insurance Code Section 252
A policy executed by way of gaming or wagering, is void.
California Insurance Code Section 253
On and after January 1, 1986, no insurer shall issue or amend contracts of insurance in this state to provide coverage for the payment of any damages
California Insurance Code Section 280
If the insured has no insurable interest, the contract is void.
California Insurance Code Section 281
Every interest in property, or any relation thereto, or liability in respect thereof, of such a nature that a contemplated peril might directly...
California Insurance Code Section 282
An insurable interest in property may consist in: 1. An existing interest; 2. An inchoate interest founded on an existing interest; or, 3....
California Insurance Code Section 283
A mere contingent or expectant interest in anything, not founded on an actual right to the thing, nor upon any valid contract for it, is not...
California Insurance Code Section 284
Except in the case of a property held by the insured as a carrier or depositary, the measure of an insurable interest in property is the extent to...
California Insurance Code Section 285
A carrier or depositary of any kind has an insurable interest in a thing held by him as such, to the extent of its value.
California Insurance Code Section 286
An interest in property insured must exist when the insurance takes effect, and when the loss occurs, but need not exist in the meantime; and...
California Insurance Code Section 287
Every stipulation in a policy of insurance for the payment of loss whether the person insured has or has not any interest in the property insured, or
California Insurance Code Section 300
Except in the cases specified in the next four sections, and in the cases of life and disability insurance, a change of interest in any part of a...
California Insurance Code Section 301
A change of interest in a subject insured, after the occurrence of an injury which results in a loss, does not affect the right of the insured to...
California Insurance Code Section 302
A change of interest in one or more of several distinct subjects, separately insured by one policy, does not avoid the insurance as to the others.
California Insurance Code Section 303
A change of interest by will or succession, on the death of the insured, does not avoid insurance; and his interest in the insurance passes to the...
California Insurance Code Section 304
In the case of partners, joint owners, or owners in common, who are jointly insured, a transfer of interest by one to another thereof does not avoid...
California Insurance Code Section 305
The mere transfer of subject matter insured does not transfer the insurance, but suspends it until the same person becomes the owner of both the...
California Insurance Code Section 330
Neglect to communicate that which a party knows, and ought to communicate, is concealment.
California Insurance Code Section 331
Concealment, whether intentional or unintentional, entitles the injured party to rescind insurance.
California Insurance Code Section 332
Each party to a contract of insurance shall communicate to the other, in good faith, all facts within his knowledge which are or which he believes to
California Insurance Code Section 333
Neither party to a contract of insurance is bound to communicate information of the matters following, except in answer to the inquiries of the...
California Insurance Code Section 334
Materiality is to be determined not by the event, but solely by the probable and reasonable influence of the facts upon the party to whom the...
California Insurance Code Section 335
Each party to a contract of insurance is bound to know: (a) All the general causes which are open to his inquiry equally with that of the other,...
California Insurance Code Section 336
The right to information of material facts may be waived, either (a) by the terms of insurance or (b) by neglect to make inquiries as to such facts,...
California Insurance Code Section 337
Information of the nature or amount of the interest of one insured need not be communicated unless in answer to an inquiry, except as prescribed by...
California Insurance Code Section 338
An intentional and fraudulent omission, on the part of one insured, to communicate information of matters proving or tending to prove the falsity of...
California Insurance Code Section 339
Neither party to a contract of insurance is bound to communicate, even upon inquiry, information of his own judgment upon the matters in question.
California Insurance Code Section 350
A representation may be oral or written.
California Insurance Code Section 351
A representation may be made at the time of, or before, issuance of the policy.
California Insurance Code Section 352
The language of a representation is to be interpreted by the same rules as contracts in general.
California Insurance Code Section 353
A representation as to the future is a promise, unless it is merely a statement of a belief or an expectation.
California Insurance Code Section 354
A representation cannot qualify an express provision in a contract of insurance; but it may qualify an implied warranty.
California Insurance Code Section 355
A representation may be altered or withdrawn before the insurance is effected, but not afterwards.
California Insurance Code Section 356
The completion of the contract of insurance is the time to which a representation must be presumed to refer.
California Insurance Code Section 357
When an insured has no personal knowledge of a fact, he may nevertheless repeat information which he has upon the subject, and which he believes to...
California Insurance Code Section 358
A representation is false when the facts fail to correspond with its assertions or stipulations.
California Insurance Code Section 359
If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the...
California Insurance Code Section 360
The materiality of a representation is determined by the same rule as the materiality of a concealment.
California Insurance Code Section 361
The provisions of this chapter apply as well to a modification of a contract of insurance as to its original formation.
California Insurance Code Section 380
The written instrument, in which a contract of insurance is set forth, is the policy.
California Insurance Code Section 381
A policy shall specify: (a) The parties between whom the contract is made. (b) The property or life insured. (c) The interest of the insured
California Insurance Code Section 381.1
(a) The information described in subdivision (b) shall be provided to the policyholder at the time of application for, or issuance of, a policy of...
California Insurance Code Section 381.2
When a policy includes coverage for loss or damage to a specific item of personal property of the insured, which item is separately listed and...
California Insurance Code Section 381.5
(a) Every policy issued, amended, delivered, or renewed in this state shall provide coverage for the registered domestic partner of an insured or...
California Insurance Code Section 382
Covering notes may be issued to bind insurance temporarily pending the issuance of the policy. Within 90 days after issue of a covering note a...
California Insurance Code Section 382.5
A binder which is issued in accordance with this section shall be deemed an insurance policy for the purpose of proving that the insured has the...
California Insurance Code Section 383
It is a misdemeanor: (a) For any insurer, or any agent of any insurer, to issue a policy in violation of the requirements of subdivision (f) of...
California Insurance Code Section 383.5
"Document," as used in this section, means a policy or a certificate evidencing insurance under a master policy. The policy or certificate shall...
California Insurance Code Section 383.6
The phrase "motor vehicle" or "motor vehicles" as used in Section 383.5 includes, but is not limited to: (a) Trailers, house trailers,...
California Insurance Code Section 384
(a) A certificate of insurance or verification of insurance provided as evidence of insurance in lieu of an actual copy of the insurance policy shall
California Insurance Code Section 386
All policies issued by incorporated insurers shall be subscribed by the president or vice president, or chairman, or chief executive officer, or, in...
California Insurance Code Section 387
When the name of the person intended to be insured is specified in a policy, it can be applied only to his own interest.
California Insurance Code Section 388
When an insurance contract is executed with an agent or trustee as the insured, the fact that his principal or beneficiary is the real party in...
California Insurance Code Section 389
To render an insurance effected by one partner or part-owner applicable to the interest of his copartners, or of other part-owners, it is necessary...
California Insurance Code Section 390
When the description of the insured in a policy is so general that it may comprehend any person or any class of persons, only he who can show that it
California Insurance Code Section 391
A policy may be so framed that it will inure to the benefit of whomsoever, during the continuance of the risk, becomes the owner of the interest...
California Insurance Code Section 392
Any exception from the risk generally covered by a policy of insurance which insures property for the period of time when such property is under the...
California Insurance Code Section 394
(a) The commissioner may approve insurance policies and associated materials in languages other than English if the following conditions are met: ...
California Insurance Code Section 395
After a covered loss, an insurer shall provide, free of charge, a complete copy of the insured's current insurance policy or certificate within 30...
California Insurance Code Section 410
A policy is either open or valued.
California Insurance Code Section 411
An open policy is one in which the value of the subject matter is not agreed upon, but is left to be ascertained in case of loss.
California Insurance Code Section 412
A valued policy is one which expresses on its face an agreement that the thing insured shall be valued at a specified sum.
California Insurance Code Section 413
A running policy is one which contemplates successive insurances, and which provides that the object of the policy may be from time to time defined,...
California Insurance Code Section 430
The policies issued by every insurer shall be entitled by its own name or a name approved by the commissioner under Section 881 or 882, printed on...
California Insurance Code Section 440
A warranty is either express or implied.
California Insurance Code Section 441
A statement in a policy of a matter relating to the person or thing insured, or to the risk, as a fact, is an express warranty thereof.
California Insurance Code Section 442
A particular form of words is not necessary to create a warranty.
California Insurance Code Section 443
Every express warranty made at or before the execution of a policy shall be contained in the policy itself, or in another instrument signed by the...
California Insurance Code Section 444
A warranty may relate to the past, the present, the future, or to any or all of these.
California Insurance Code Section 445
A statement in a policy, which imports that there is an intention to do or not to do a thing which materially affects the risk, is a warranty that...
California Insurance Code Section 446
When, before the time arrives for the performance of a warranty relating to the future, a loss insured against happens, or performance becomes...
California Insurance Code Section 447
The violation of a material warranty or other material provision of a policy, on the part of either party thereto, entitles the other to rescind.
California Insurance Code Section 448
Unless the policy declares that a violation of specified provisions thereof shall avoid it, the breach of an immaterial provision does not avoid the...
California Insurance Code Section 449
A breach of warranty without fraud merely exonerates an insurer from the time that it occurs, or where the warranty is broken in its inception,...
California Insurance Code Section 460
On and after January 1, 1972, every printed form of an insurance contract, including every policy, endorsement, rider, or any amendment thereof...
California Insurance Code Section 480
An insurer is entitled to payment of the premium as soon as the subject matter insured is exposed to the peril insured against.
California Insurance Code Section 481
(a) Unless the insurance contract otherwise provides, a person insured is entitled to a return of premium if the policy is canceled, rejected,...
California Insurance Code Section 481.1
(a) In the event any conditional receipt, binder, or other evidence of temporary or implied insurance, except ocean marine insurance as defined in...
California Insurance Code Section 481.5
(a) Whenever a policy of personal lines insurance terminates for any reason, or there is a reduction in coverage, the insurer shall tender the gross...
California Insurance Code Section 482
Except as provided by section 481, or by the insurance contract, if a peril insured against has existed, and the insurer has been liable for any...
California Insurance Code Section 483
A person insured is entitled to a return of the premium: (a) When the contract is voidable, on account of the fraud or misrepresentation of the...
California Insurance Code Section 484
An acknowledgment in a policy of the receipt of premium is conclusive evidence of its payment, so far as to make the policy binding. Notwithstanding
California Insurance Code Section 485
In case of an overinsurance by several insurers, the insured is entitled to a ratable return of the premium, proportioned to the amount by which the...
California Insurance Code Section 486
When an overinsurance is effected by simultaneous policies, the insurers contribute to the premium to be returned in proportion to the amount insured
California Insurance Code Section 487
When an overinsurance is effected by successive policies, those only contribute to a return of the premium who are exonerated by prior insurance from
California Insurance Code Section 488
No insurer shall, in issuing or renewing a private passenger automobile insurance policy, increase the premium on that policy for the reason that the
California Insurance Code Section 488.5
(a) No insurer shall, in issuing or renewing a private automobile insurance policy to a peace officer, member of the California Highway Patrol, or...
California Insurance Code Section 489
(a) Upon issuance of a policy of insurance described in Section 660, the insurer or its agent shall deliver to the named insured a notice explaining...
California Insurance Code Section 491
The rating plan of a motor vehicle liability insurer shall not provide for an increase in the premium if based upon an accident in which the insured...
California Insurance Code Section 500
Whenever any insurer has, as a regular course of conduct, sent renewal premium notices to an insured, and intends to discontinue that practice, it...
California Insurance Code Section 510
Whenever a policy of insurance specified in Section 660 or 675, a policy of life insurance as defined in Section 101, a policy of disability...
California Insurance Code Section 515
Notwithstanding any other provision of law, any insurer issuing policies of automobile liability insurance or motor vehicle liability insurance...
California Insurance Code Section 520
An agreement not to transfer the claim of the insured against the insurer after a loss has happened, is void if made before the loss except as...
California Insurance Code Section 530
An insurer is liable for a loss of which a peril insured against was the proximate cause, although a peril not contemplated by the contract may have...
California Insurance Code Section 531
An insurer is liable: (a) Where the thing insured is rescued from a peril insured against, and which would otherwise have caused a loss, if, in...
California Insurance Code Section 532
If a peril is specially excepted in a contract of insurance and there is a loss which would not have occurred but for such peril, such loss is...
California Insurance Code Section 533
An insurer is not liable for a loss caused by the wilful act of the insured; but he is not exonerated by the negligence of the insured, or of the...
California Insurance Code Section 533.5
(a) No policy of insurance shall provide, or be construed to provide, any coverage or indemnity for the payment of any fine, penalty, or restitution...
California Insurance Code Section 533.7
Notwithstanding any other law, an insurer may defend a duly licensed physician or surgeon against any cause of action involving the performance of...
California Insurance Code Section 550
In case of loss upon an insurance against fire, an insurer is exonerated if notice thereof is not given to him without unnecessary delay by an...
California Insurance Code Section 551
Except in the case of life, marine, or fire insurance, notice of an accident, injury, or death may be given at any time within twenty days after the...
California Insurance Code Section 552
When preliminary proof of loss is required by a policy, the insured is not bound to give such proof as would be necessary in a court of justice; but...
California Insurance Code Section 553
All defects in a notice of loss, or in preliminary proof thereof, which the insured might remedy, and which the insurer omits to specify to him,...
California Insurance Code Section 554
Delay in the presentation to an insurer of notice or proof of loss is waived, if caused by an act of his, or if he omits to make objection promptly...
California Insurance Code Section 555
If a policy requires, by way of preliminary proof of loss, the certificate or testimony of a person other than the insured or beneficiary, there is...
California Insurance Code Section 557
It is a misdemeanor for any person alone or in concert to prepare or make any bid or other writing which falsely purports to be a bona fide offer to...
California Insurance Code Section 557.5
No peace officer, member of the Department of the California Highway Patrol, or firefighter shall be required to report any accident in which he or...
California Insurance Code Section 560
Every insurer issuing an automobile collision policy, as defined in subdivision (d) of Section 660, or a policy for comprehensive coverage for a...
California Insurance Code Section 570
Except in the event that the insurer has previously obtained a release on a loss, each insurer which issues, amends, or renews, on or after January...
California Insurance Code Section 571
Where the insurer has authorized the work and its liability is not in dispute, the direct payment provided for by Section 570 shall be made to the...
California Insurance Code Section 572
As used in this article, the term "loss payee" shall include, but not be limited to, any mortgagee of the insured real property.
California Insurance Code Section 590
A double insurance exists where the same person is insured by several insurers separately in respect to the same subject and interest.
California Insurance Code Section 591
In case of double insurance, the several insurers are liable to pay losses thereon as follows: (a) In fire insurance, each insurer shall...
California Insurance Code Section 620
A contract of reinsurance is one by which an insurer procures a third person to insure him against loss or liability by reason of such original...
California Insurance Code Section 621
A reinsurance is presumed to be a contract of indemnity against liability, and not merely against damage.
California Insurance Code Section 622
Where an insurer obtains reinsurance, he must communicate all the representations of the original insured, and also all the knowledge and information
California Insurance Code Section 623
The original insured has no interest in a contract of reinsurance.
California Insurance Code Section 650
Whenever a right to rescind a contract of insurance is given to the insurer by any provision of this part such right may be exercised at any time...
California Insurance Code Section 651
Whenever an insurer gives notice of rescission of an automobile liability policy, upon request of the driver, the insurer, within 15 days of receipt...
California Insurance Code Section 655
Every insurer issuing policies of motor vehicle liability insurance within the meaning of Section 16450 of the Vehicle Code, automobile liability...
California Insurance Code Section 657
(a) Where any admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, or any licensed...
California Insurance Code Section 658
Where any admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, refuses to accept an...
California Insurance Code Section 660
As used in this chapter: (a) "Policy" means an automobile liability, automobile physical damage, or automobile collision policy, or any...
California Insurance Code Section 661
(a) A notice of cancellation of a policy shall be effective only if it is based on one or more of the following reasons: (1) Nonpayment of...
California Insurance Code Section 662
No notice of cancellation of a policy to which Section 661 applies shall be effective unless mailed or delivered by the insurer to the named insured,
California Insurance Code Section 662.1
Proof of mailing or delivery of a notice of cancellation to a lienholder or an additional interest on a policy to which this chapter applies shall be
California Insurance Code Section 663
(a) Before policy expiration, an insurer shall deliver to or mail to the named insured, at the address shown on the policy, one of the following: ...
California Insurance Code Section 663.5
(a) No insurer shall fail to renew a policy solely on the basis of the age of the insured. (b) On and after January 1, 2000, no insurer shall fail
California Insurance Code Section 664
Proof of mailing of notice of cancellation, or of intention not to renew or of reasons for cancellation, to the named insured at the address shown in
California Insurance Code Section 664.5
Any insurer who requires periodic physical examinations of an insured as a condition of renewal of a policy shall pay the cost of such physical...
California Insurance Code Section 665
When a policy of automobile liability insurance is canceled, other than for nonpayment of premium, or in the event of failure to renew a policy of...
California Insurance Code Section 666
Where the reason for cancellation does not accompany or is not included in the notice of cancellation, the insurer shall upon written request of the...
California Insurance Code Section 667
There shall be no liability on the part of, and no cause of action of any nature shall arise against, the Insurance Commissioner or against any...
California Insurance Code Section 667.5
Unless a policy specifically provides otherwise, the cancellation of a policy, or any change in the policy, executed by an insurer, at the request of
California Insurance Code Section 668
Section 663 shall not apply to policies of liability insurance issued pursuant to assigned risk plans.
California Insurance Code Section 668.5
No cancellation of a policy or coverage of insurance subject to this chapter but not subject to Section 661 or 662 (because it has been in effect...
California Insurance Code Section 669
Any insurer willfully violating any provisions of Section 663 is guilty of a misdemeanor and is punishable by a fine of not exceeding one thousand...
California Insurance Code Section 669.5
No insurer shall fail to renew any private automobile insurance policy of a peace officer, member of the California Highway Patrol, or firefighter,...
California Insurance Code Section 669.7
Notwithstanding Section 660, an insurer may deliver or issue an automobile liability, automobile physical damage, or automobile collision policy in...
California Insurance Code Section 670
(a) No admitted insurer licensed to issue motor vehicle liability policies, as defined in Section 16450 of the Vehicle Code, shall cancel, or refuse...
California Insurance Code Section 671
No insurer issuing an automobile collision policy, as defined in Section 660, or a policy for comprehensive coverage for an automobile, as defined in
California Insurance Code Section 672
(a) Every admitted insurer or insurer group licensed to sell automobile insurance shall provide consumers of personal automobile insurance, as...
California Insurance Code Section 673
(a) As used in this section, "exercise the right to cancel" means the act of formally electing to use the right of the insured to cancel any...
California Insurance Code Section 674
A policy of liability insurance issued to a local public entity or state agency as a named insured shall not be canceled or renewal of such a policy...
California Insurance Code Section 674.5
(a) No insurer shall cease to offer any particular class of commercial liability insurance without prior notification to the commissioner. (b) The
California Insurance Code Section 674.6
(a) No insurer issuing policies of insurance subject to Section 674.5 or 675 shall cease to offer any particular line of coverage without prior...
California Insurance Code Section 674.9
(a) Notwithstanding subdivision (b) of Section 674.6, an insurer issuing policies of liability insurance to long-term health care facilities,...
California Insurance Code Section 675
(a) Except as provided in Sections 676.8 and 679.6, this chapter shall apply to policies of insurance, other than automobile insurance and workers'...
California Insurance Code Section 675.1
In the case of a total loss to the primary insured structure under a residential policy subject to Section 675, the following provisions apply: ...
California Insurance Code Section 675.5
(a) In addition to any policy of insurance specified in Section 675, this chapter shall apply to policies of commercial insurance issued or issued...
California Insurance Code Section 676
After a policy specified in Section 675 has been in effect for 60 days, or, if the policy is a renewal, effective immediately, no notice of...
California Insurance Code Section 676.1
(a) The arbitrary cancellation of a policy of homeowners' insurance solely on the basis that the policyholder has a license to operate a family day...
California Insurance Code Section 676.2
(a) This section applies only to policies of commercial insurance that are subject to Section 675.5. (b) After a policy has been in effect for...
California Insurance Code Section 676.3
Nothing in Section 676.2 shall preclude the imposition of remedial underwriting action upon coverage insuring dentists or physicians and surgeons...
California Insurance Code Section 676.4
Nothing in Section 676.2 shall preclude, while the policies are in force, changes in the rate upon which the premium is based or the conditions of...
California Insurance Code Section 676.5
(a) This section applies only to policies of commercial insurance which are subject to Section 675.5. (b) Except as provided in subdivision (c),...
California Insurance Code Section 676.6
(a) This section applies to commercial umbrella liability insurance policies, commercial excess liability insurance policies, and commercial excess...
California Insurance Code Section 676.7
(a) No admitted insurer, licensed to issue and issuing homeowner's or tenant's policies, as described in Section 122, shall (1) fail or refuse to...
California Insurance Code Section 676.8
(a) This section applies only to policies of workers' compensation insurance. (b) After a policy is in effect, no notice of cancellation shall be...
California Insurance Code Section 676.9
(a) This section applies to policies covered by Sections 675 and 675.5. (b) No insurer issuing policies subject to this section shall deny or...
California Insurance Code Section 676.10
(a) This section applies to policies covered by Section 675, 675.5, or 676.5 if the insured is a religious organization described in clause (i) of...
California Insurance Code Section 677
(a) All notices of cancellation shall be in writing, mailed to the named insured at the address shown in the policy, or to his or her last known...
California Insurance Code Section 677.2
(a) This section applies only to policies covered by Section 675.5. (b) A notice of cancellation shall be in writing and shall be delivered or...
California Insurance Code Section 677.4
A notice of cancellation with respect to a policy covered under Section 675 shall be delivered at least 20 calendar days prior to the effective date...
California Insurance Code Section 678
(a) At least 45 days prior to policy expiration, an insurer shall deliver to the named insured or mail to the named insured at the address shown in...
California Insurance Code Section 678.1
(a) This section applies only to policies of insurance of commercial insurance that are subject to Sections 675.5 and 676.6. (b) A notice of...
California Insurance Code Section 678.2
The provisions of subdivisions (c) and (e) of Section 678.1 which prohibit notice of nonrenewal earlier than 120 days in advance of the end of the...
California Insurance Code Section 678.3
(a) There shall be no liability on the part of, and no cause of action of any nature shall arise against, any insurer which issues professional...
California Insurance Code Section 678.5
No policy specified in Section 675 that is issued, amended, or renewed on or after January 1, 1990, may be canceled, and an insurer may not refuse to
California Insurance Code Section 679
There shall be no liability on the part of, and no cause of action of any nature shall arise against, any insurer or its authorized representatives,...
California Insurance Code Section 679.5
Proof of mailing of a notice of cancellation and the reasons therefor or of intention not to renew to the named insured at the address shown in the...
California Insurance Code Section 679.6
The commissioner may, after hearing, exempt from the provisions of this chapter insurance in respect to any risk or class of risk that is eligible...
California Insurance Code Section 679.7
(a) Upon receiving a written request from an insured or the agent or broker of record where authorized by the insured, an insurer shall provide a...
California Insurance Code Section 679.9
If an insurer changes the annual premium under a policy specified in Section 675, it shall, within 15 business days of a request by the insured,...
California Insurance Code Section 679.70
This chapter shall apply to policies of insurance, other than automobile insurance and workmen's compensation insurance, on risks located or resident
California Insurance Code Section 679.71
No admitted insurer that is licensed to issue any policy of insurance covered by this chapter shall fail or refuse to accept an application for, or...
California Insurance Code Section 679.72
No application for insurance specified in this chapter or insurance investigation report furnished by an insurer to its agents or employees for use...
California Insurance Code Section 679.73
Nothing in this chapter shall prohibit use in an application for insurance specified in this chapter of a question asking for the birthplace of an...
California Insurance Code Section 680
An insurer shall not transact any class of insurance which is not authorized by its charter.
California Insurance Code Section 685
(a) When by or pursuant to the laws of any other state or foreign country any taxes, licenses and other fees, in the aggregate, and any fines,...
California Insurance Code Section 685.1
This article shall not apply as to personal income taxes, nor as to ad valorem taxes on real or personal property nor as to special purpose...
California Insurance Code Section 685.2
For the purposes of this article the domicile of an alien insurer, other than insurers formed under the laws of Canada, shall be that state in which...
California Insurance Code Section 685.3
To the extent permitted by the California Constitution there is hereby imposed upon the commissioner the duty to enforce Section 685. It shall be...
California Insurance Code Section 685.4
The provisions of this article shall also be applicable to reciprocals or interinsurance exchanges and fraternal benefit societies.
California Insurance Code Section 688
The Legislature declares that it is desirable for the general welfare and in particular for the welfare of insurance beneficiaries, policyholders,...
California Insurance Code Section 688.1
The board of directors of any domestic insurer may at any time adopt emergency bylaws, subject to repeal or change by action of those having power to
California Insurance Code Section 688.2
In the event that the board of directors of a domestic insurer has not adopted emergency bylaws, the following provisions shall become effective upon
California Insurance Code Section 688.3
At any time the board of directors of a domestic insurer may, by resolution, provide that in the event of such a national emergency and in the event...
California Insurance Code Section 688.4
At any time the board of directors of a domestic insurer may, by resolution, provide that in the event of such a national emergency the home office...
California Insurance Code Section 688.5
"Insurer" as used in this article includes insurance corporations and insurer organizations of every type and reciprocal or interinsurance exchanges...
California Insurance Code Section 690
If any paid in capital of an insurer is, or is to be, represented by shares of stock, such insurer shall not be organized in this State or admitted...
California Insurance Code Section 699
Except as specifically permitted by this code, a certificate of authority shall not be issued to an unincorporated insurer. This section shall not...
California Insurance Code Section 699.1
The Public Employees' Retirement System is exempt from the provisions of this code with respect to the group life insurance program established...
California Insurance Code Section 699.5
(a) The ownership or financial control, in part, direct or indirect, of any domestic, foreign, or alien insurer, by any state of the United States or
California Insurance Code Section 700
(a) A person shall not transact any class of insurance business in this state without first being admitted for that class. Except for the State...
California Insurance Code Section 700.01
In addition to any or all of the classes of insurance which it is permitted to transact by all other applicable provisions of this code, any...
California Insurance Code Section 700.02
No insurer shall be issued a certificate of authority other than a renewal certificate of authority for any of the classes set forth in Section 100...
California Insurance Code Section 700.025
An insurer, including a reciprocal or interinsurance exchange, admitted on January 1, 1970, to transact automobile liability insurance under class 8...
California Insurance Code Section 700.03
Notwithstanding the requirements of Sections 700.01 and 10511 until June 30, 1955, the minimum paid-in capital required for renewal, for the same...
California Insurance Code Section 700.04
Paid-in capital for life insurers is governed by Section 10510 of this code; for title insurers by Section 12359; for mortgage insurers by Section...
California Insurance Code Section 700.05
(a) In determining the minimum amount of paid-in capital and surplus required by the applicable provisions of this code for admission of an insurer,...
California Insurance Code Section 701
Subject to the annual fee provisions of Section 705, every certificate of authority shall be for an indefinite term and shall expire with the...
California Insurance Code Section 702
(a) An insurer that maintains a certificate of authority to transact insurance in this state, advertises insurance on the Internet, and transacts...
California Insurance Code Section 703
Except when performed by a surplus line broker, the following acts are misdemeanors when done in this state: (a) Acting as agent for a nonadmitted
California Insurance Code Section 703.1
(a) Any nonadmitted insurer that is on the list of eligible surplus line insurers issued by the commissioner pursuant to subdivision (f) of Section...
California Insurance Code Section 703.5
Any person, including, but not limited to, persons licensed or certificated under this code or exempted from regulation under this code, who as a...
California Insurance Code Section 704
The commissioner may suspend the certificate of authority of an insurer for not exceeding one year whenever he finds, after proper hearing following...
California Insurance Code Section 704.5
The commissioner may decline to grant or may suspend or revoke a certificate of authority of any holder of such certificate authorized to be...
California Insurance Code Section 704.7
The commissioner, in any proceeding under Section 704 for any of the violations specified in that section, may, by an alternative order, permit the...
California Insurance Code Section 705
The commissioner shall require the payment of fifty-eight dollars ($58) in lawful money of the United States, in advance as a fee for filing an...
California Insurance Code Section 705.1
The commissioner shall require the payment of one thousand seven hundred seventy dollars ($1,770) in lawful money of the United States in advance as...
California Insurance Code Section 706
Prior to admission each insurer shall file with the commissioner a certified copy of its last annual statement or a verified financial statement...
California Insurance Code Section 706.5
The commissioner, in addition to any other proper ground for denying a certificate of authority to a nonadmitted insurer, may deny such certificate...
California Insurance Code Section 706.7
As used in this section, the term "reciprocal State" means a State the laws of which prohibit an insurer domiciled therein from insuring the lives or
California Insurance Code Section 707
A domestic insurer shall, prior to admission, file with the commissioner a copy of its articles of incorporation and certificate of any increase or...
California Insurance Code Section 708
A foreign insurer shall, prior to admission, file with the commissioner the following: (a) If organized in a jurisdiction which requires articles...
California Insurance Code Section 709
If the insurer is organized in any other State, it shall, prior to admission, file with the commissioner a certificate setting forth: (a) The...
California Insurance Code Section 709.5
(a) Any insurer that is organized under the laws of any other state and is admitted to do business in this state for the purpose of writing insurance
California Insurance Code Section 710
If there are any written articles of agreement or association, a copy thereof shall accompany such certificates.
California Insurance Code Section 711
An insurer organized out of the United States shall also file such certificate and articles, but the certificate need not contain the names of any...
California Insurance Code Section 713
A copy of the instrument or record of the action making any change in any of the documents filed with the commissioner pursuant to this article,...
California Insurance Code Section 714
The commissioner shall require the payment of twenty-nine dollars ($29) in lawful money of the United States, in advance, as a fee for filing papers...
California Insurance Code Section 715
The commissioner shall have no authority to issue a certificate of authority, other than a renewal certificate of authority, to any domestic insurer,
California Insurance Code Section 716
No certificate of authority shall be granted to a foreign or alien applicant that has not actively transacted for three years the classes of...
California Insurance Code Section 717
Before granting a certificate of authority or amended certificate of authority to any applicant, the commissioner shall consider the qualifications...
California Insurance Code Section 717.1
Where the applicant is a wholly owned domestic subsidiary of an admitted domestic insurer the commissioner shall issue a certificate of authority to...
California Insurance Code Section 717.2
(a) On and after January 1, 2007, for purposes of Section 717, the commissioner shall consider, with respect to any application for a certificate of...
California Insurance Code Section 718
If upon due investigation the commissioner shall find that any applicant for a certificate of authority, or amended certificate of authority, will...
California Insurance Code Section 720
The commissioner may after notice and hearing promulgate such reasonable rules and regulations, and amendments and additions thereto, as are...
California Insurance Code Section 721
As used in Sections 704.5, 716, 717 and 718, the term "applicant" includes the attorney-in-fact of a reciprocal or interinsurance exchange. Wherever
California Insurance Code Section 725
Any person otherwise qualified may be a director of two or more insurers, but no such interlocking directorate shall be used as a means of...
California Insurance Code Section 726
The commissioner shall notify the Secretary of State of any refusal to issue a certificate of authority to transact insurance to an applicant...
California Insurance Code Section 728
(a) For the purposes of this section, the following definitions are applicable: (1) "Subject person" means any director, officer, or employee or...
California Insurance Code Section 729
As used in this article, the following terms have the following meanings: (a) "Company" means any person engaging in, or proposing or attempting...
California Insurance Code Section 730
(a) The commissioner, whenever he or she deems necessary or whenever he or she is requested by verified petition, signed by 25 persons interested as...
California Insurance Code Section 731
Whenever any foreign insurer applies for admission the commissioner may make, or cause to be made by the insurance authority of the State where the...
California Insurance Code Section 732
An insurer organized or existing under the laws of any country outside of the United States shall be deemed to be organized, within the meaning of...
California Insurance Code Section 733
In making such examination the commissioner: (a) Shall have free access to all the books and papers of the company. (b) Shall thoroughly...
California Insurance Code Section 734
Every company or person from whom information is sought, and its officers, directors, employees, and agents, shall provide to the examiners appointed
California Insurance Code Section 734.1
(a) No later than 60 days following completion of the examination, the examiner in charge shall file with the department a verified written report of
California Insurance Code Section 735
The hereinafter designated officer of each domestic insurer shall inform the members present at the next meeting of its governing body of the receipt
California Insurance Code Section 735.5
(a) Nothing contained in this article shall be construed to limit the commissioner's authority to use and, if appropriate, to make public, any final...
California Insurance Code Section 736
All examinations shall be at the expense of the insurer, organization or person examined, except that special examinations which are in addition to...
California Insurance Code Section 736.5
The provisions of Section 736 notwithstanding, the revenue raised from the examination of insurers and other persons under this article in the...
California Insurance Code Section 737
(a) No cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioner's authorized representatives, or any
California Insurance Code Section 738
The commissioner shall have the same powers and authority to examine the State Compensation Insurance Fund as are conferred upon him by law relative...
California Insurance Code Section 739
As used in this article, these terms shall have the following meanings: (a) "Adjusted RBC Report" means a Risk-Based Capital (RBC) report that has
California Insurance Code Section 739.2
(a) Every domestic insurer shall, on or prior to each March 15 (the "filing date"), prepare and submit to the commissioner a report of its RBC Levels
California Insurance Code Section 739.3
(a) "Company Action Level Event" means any of the following events: (1) The filing of an RBC Report by an insurer that indicates any of the...
California Insurance Code Section 739.4
(a) "Regulatory Action Level Event" means, with respect to any insurer, any of the following events: (1) The filing of an RBC Report by the...
California Insurance Code Section 739.5
(a) "Authorized Control Level Event" means any of the following events: (1) The filing of an RBC Report by the insurer that indicates that the...
California Insurance Code Section 739.6
(a) "Mandatory Control Level Event" means any of the following events: (1) The filing of an RBC Report that indicates that the insurer's Total...
California Insurance Code Section 739.7
Upon any of the events described in subdivision (a), (b), (c), or (d), the insurer shall have the right to a departmental hearing, on the record, at...
California Insurance Code Section 739.8
(a) All RBC Reports, to the extent the information within those reports is not required to be set forth in a publicly available annual statement...
California Insurance Code Section 739.9
(a) The provisions of this article are supplemental to any other provisions of the laws of this state, and shall not preclude or limit any other...
California Insurance Code Section 739.10
(a) Any foreign insurer shall, upon the written request of the commissioner, submit to the commissioner an RBC Report as of the end of the calendar...
California Insurance Code Section 739.11
If any provision of this article, or the application thereof to any person or circumstance, is held invalid, such determination shall not affect the...
California Insurance Code Section 739.12
(a) All notices by the commissioner to an insurer that may result in regulatory action hereunder shall be effective upon dispatch if transmitted by...
California Insurance Code Section 740
(a) Notwithstanding any other provision of law, and except as provided herein, any person or other entity that provides coverage in this state for...
California Insurance Code Section 742
(a) Any person or other entity that provides coverage in this state for medical, surgical, chiropractic, physical therapy, speech pathology,...
California Insurance Code Section 742.1
(a) Any person or other entity or arrangement in this state that is organized for the purpose of offering or providing coverage in this state, for...
California Insurance Code Section 742.20
The Legislature finds and declares the following: (a) An alternative to insurance programs, health care maintenance organizations, and panel...
California Insurance Code Section 742.21
"Multiple employer welfare arrangement" as used in this article has the same meaning as that contained in Section 1002(40)(A) of Title 29 of the...
California Insurance Code Section 742.215
As used in this article, "self-funded" means a multiple employer welfare arrangement that undertook at all times and for a continuous period of five...
California Insurance Code Section 742.22
It is the intent of the Legislature in enacting this article to allow a self-funded or partially self-funded multiple employer welfare arrangement to
California Insurance Code Section 742.23
(a) After December 31, 1995, a self-funded or partially self-funded multiple employer welfare arrangement shall not provide any benefits for any...
California Insurance Code Section 742.24
To be eligible for a certificate of compliance, a self-funded or partially self-funded multiple employer welfare arrangement shall meet all of the...
California Insurance Code Section 742.245
(a) A self-funded or partially self-funded multiple employer welfare arrangement shall maintain at least 25 percent of the surplus required by...
California Insurance Code Section 742.25
In determining the qualification of a multiple employer welfare arrangement, the commissioner will consider, among other things: (a) The history...
California Insurance Code Section 742.26
The multiple employer welfare arrangement shall issue to each covered employee a certificate evidencing coverage and a summary plan description of...
California Insurance Code Section 742.27
The department shall have the authority to revoke a certificate of compliance to any self-funded or partially self-funded multiple employer welfare...
California Insurance Code Section 742.28
A self-funded or partially self-funded multiple employer welfare arrangement authorized by this article shall be limited to providing the following...
California Insurance Code Section 742.29
An association seeking to establish an employee welfare benefit plan by the use of a self-funded or partially self-funded multiple employer welfare...
California Insurance Code Section 742.30
The commissioner shall not issue a certificate of compliance to a self-funded or partially self-funded multiple employer welfare arrangement unless...
California Insurance Code Section 742.31
Each self-funded or partially self-funded multiple employer welfare arrangement transacting business in the state shall file all of the following...
California Insurance Code Section 742.32
The commissioner or any persons designated by the commissioner shall have the power to examine the affairs of any self-funded or partially...
California Insurance Code Section 742.33
Books, records, and documents pertaining to the business of the multiple employer welfare arrangement shall be maintained by the administrator for a...
California Insurance Code Section 742.34
(a) The following notice shall be provided to employers and employees who obtain coverage from a multiple employer welfare arrangement: NOTICE
California Insurance Code Section 742.35
The department may conduct an examination of the financial condition of a self-funded or partially self-funded multiple employer welfare arrangement,
California Insurance Code Section 742.36
Subject to the annual fee provisions of Section 742.39, every certificate of compliance shall be for an indefinite term and shall expire with the...
California Insurance Code Section 742.37
(a) The commissioner may suspend the certificate of compliance of a holder thereof for not exceeding one year whenever he or she finds, after proper...
California Insurance Code Section 742.38
The commissioner, in any proceeding under Section 742.37 for any of the violations specified in that section, may by alternative order permit the...
California Insurance Code Section 742.39
The commissioner shall require the payment of three thousand five hundred dollars ($3,500) in advance as a fee for filing an application for each...
California Insurance Code Section 742.40
(a) A multiple employer welfare arrangement shall offer health care coverage benefits to any new eligible person and his or her dependents under...
California Insurance Code Section 742.405
(a) No multiple employer welfare arrangement shall refuse to enroll any person or accept any person as a subscriber or renew any person as a...
California Insurance Code Section 742.407
(a) This section shall apply to the disclosure of genetic test results contained in an applicant or enrollee's medical records by a multiple employer
California Insurance Code Section 742.41
All employer groups who have health care coverage benefits provided by a multiple employer welfare arrangement for their employees and their...
California Insurance Code Section 742.42
The provisions of this code governing domestic incorporated insurers, their business, and their contracts shall, so far as applicable and not...
California Insurance Code Section 742.425
The provisions of this article shall not apply to multiple employer welfare arrangements as defined in Section 1144(b)(6)(D) of Title 29 of the...
California Insurance Code Section 742.43
The commissioner may adopt reasonable rules and regulations for the implementation and administration of this article.
California Insurance Code Section 750
(a) Except as provided in Section 750.5, any person acting individually or through his or her employees or agents, who engages in the practice of...
California Insurance Code Section 750.4
Section 750 of the Insurance Code, Sections 3215 and 3219 of the Labor Code, and Section 549 of the Penal Code shall not apply to any person,...
California Insurance Code Section 750.5
Nothing in Section 750 of the Insurance Code, Section 549 of the Penal Code, or Section 3215 of the Labor Code shall be construed to prevent an...
California Insurance Code Section 753
(a) It is unlawful for any insurance agent or broker, or any insurance solicitor employed thereby, to receive any financial benefit from an...
California Insurance Code Section 754
(a) It is unlawful for any person to solicit, receive, offer, or pay any referral fee for the referral of an individual for the furnishing of...
California Insurance Code Section 755
If at the time of the solicitation and issuance of a policy of life or disability insurance, or of a surety bond which by its terms continues until...
California Insurance Code Section 756
When the premium on a policy insuring an employer is based upon the amount or segregation of the employer's payroll, and the employer, personally or...
California Insurance Code Section 757
When a statement of the amount or segregation of a payroll is materially false, and an insurer, through a person employed by it in a managerial...
California Insurance Code Section 758
(a) It is unlawful for an insurer to require an auto body repair shop registered pursuant to Sections 9884 and 9889.52 of the Business and...
California Insurance Code Section 758.5
(a) No insurer shall require that an automobile be repaired at a specific automotive repair dealer, as defined in Section 9880.1 of the Business and...
California Insurance Code Section 758.6
Insurers shall not engage in capping. For the purposes of this section, "capping" means offering or paying an amount that is unrelated to a...
California Insurance Code Section 758.7
An insurer, upon receiving notice from an insured, shall reimburse any fees and extra premium charged to an insured due to a late premium payment or...
California Insurance Code Section 759
This article establishes consumer protections in connection with retail sales practices, solicitations, advertising, or offers of any insurance...
California Insurance Code Section 760
As used in this article, the following terms have the following meanings: (a) "Affiliate" has the same meaning as defined in Section 1215. (b)...
California Insurance Code Section 761
(a) A covered person shall not engage in any practice that would lead a consumer to believe that an extension of credit, in violation of subsection...
California Insurance Code Section 762
(a) In connection with the initial purchase of an insurance product or annuity by a consumer from a covered person, a covered person shall disclose...
California Insurance Code Section 763
(a) A depository institution shall, to the extent practicable, keep the area where the depository institution conducts transactions involving...
California Insurance Code Section 764
A depository institution may not permit any person to sell or offer for sale any insurance product or annuity in any part of its office or on its...
California Insurance Code Section 765
The commissioner may adopt reasonable regulations necessary to administer this article.
California Insurance Code Section 769
(a) After a written agency or written brokerage contract, where the broker-agent represents the insurer, has been in effect for at least one year, it
California Insurance Code Section 769.2
(a) In determining the amount of an insurer's rollback obligation pursuant to Section 1861.01 or any regulations promulgated to implement this...
California Insurance Code Section 769.55
Notwithstanding any other provision of this code, for the purposes of Chapter 6 (commencing with Section 520) through Chapter 11 (commencing with...
California Insurance Code Section 769.80
This act shall be known and may be cited as the Managing General Agents Act.
California Insurance Code Section 769.81
As used in this article: (a) "Actuary" means a person who is a member in good standing of the American Academy of Actuaries, the Casualty...
California Insurance Code Section 769.82
(a) No producer shall act in the capacity of an MGA with respect to risks located in this state for an insurer which holds a certificate of authority
California Insurance Code Section 769.83
No producer acting in the capacity of an MGA shall place business with an insurer unless there is in force a written contract between the parties...
California Insurance Code Section 769.84
(a) The insurer shall have on file an independent financial examination, in a form acceptable to the commissioner, of each MGA with which it has done
California Insurance Code Section 769.85
The acts of the MGA are considered to be the acts of the insurer on whose behalf it is acting. An MGA may be examined as if it were the insurer.
California Insurance Code Section 769.86
(a) If the commissioner finds after hearing that any person has violated any provision of this article he or she may order any of the following: ...
California Insurance Code Section 769.87
The commissioner may adopt reasonable rules and regulations for the implementation and administration of this article.
California Insurance Code Section 770
No person engaged in the business of financing the purchase of real or personal property or of lending money on the security of real or personal...
California Insurance Code Section 770.1
No person making a loan of money on the security of real property shall use or make available to any person information contained in a policy of fire
California Insurance Code Section 770.3
No state department or agency shall negotiate any life or disability insurance or require the placing of that insurance through particular agents,...
California Insurance Code Section 771
Sections 770 and 770.1 shall not prevent: (a) The exercise by any person engaged in such business of his right to approve or disapprove, for...
California Insurance Code Section 771.01
No person making a loan of money on the security of residential real property shall reject or refuse to accept a policy of fire and casualty...
California Insurance Code Section 771.02
When a lender or purchaser of a mortgage on real property has required and obtained a copy of the insurance policy covering that real property, it...
California Insurance Code Section 771.1
Nothing in this article shall prevent any person licensed pursuant to Part 1 (commencing with Section 10000) of Division 4 of the Business and...
California Insurance Code Section 772
In any trial, hearing or proceeding to determine a violation of this article a written statement signed by the person for whom any purchase is...
California Insurance Code Section 773
The commissioner may suspend or revoke any license held by any person who violates Section 770, pursuant to Article 13 of Chapter 5 of this part.
California Insurance Code Section 774
The commissioner, after hearing upon notice, may issue a cease and desist order to any person if he finds that such person has, in more than one...
California Insurance Code Section 775
The commissioner may investigate any person, whether licensed or not, for the purpose of determining if there has been any violation of this article,
California Insurance Code Section 776
No person who sells real property shall require, as a condition precedent to the sale of such real property, that the person buying the real property
California Insurance Code Section 777.1
No insurer shall participate in any plan to offer or effect any kind or kinds of insurance or annuities in this state as an inducement to the...
California Insurance Code Section 777.2
If any insurer, agent, broker or solicitor wilfully violates the provisions of this article, the Insurance Commissioner may suspend or revoke his...
California Insurance Code Section 777.3
As used in this article "insurer" includes any person or organization to which Article 4 (commencing with Section 730), Chapter 1, Part 2, Division 1
California Insurance Code Section 778
As used in this article, "premium financing" means engaging in the business of advancing money, directly or indirectly, to an insurer or producer at...
California Insurance Code Section 778.1
As used in this article, "premium finance agreement" means a loan contract, note, agreement, or obligation by which an insured agrees to pay to a...
California Insurance Code Section 778.2
(a) Any person engaged in business as an insurance agent or broker and who participates in the arrangement of a premium financing agreement shall, if
California Insurance Code Section 778.3
The amount of the periodic finance charges, if any, imposed for the premium financing purchased and the annual percentage rate associated with those...
California Insurance Code Section 778.4
(a) Every fire and casualty broker-agent shall, prior to arranging premium financing for any new or renewal policy of insurance specified in Section...
California Insurance Code Section 779.1
The purpose of this article is to promote the public welfare by regulating credit life insurance and credit disability insurance. Nothing in this...
California Insurance Code Section 779.2
All life insurance and all disability insurance sold in connection with loans or other credit transactions shall be subject to the provisions of this
California Insurance Code Section 779.3
Credit life insurance and credit disability insurance shall be issued only in the following forms: (a) Individual policies of life insurance...
California Insurance Code Section 779.4
(a) The amount of credit life insurance and credit disability insurance shall not exceed, but, except as provided in subdivision (b), may be less...
California Insurance Code Section 779.5
The term of any credit life insurance or credit disability insurance shall, subject to acceptance by the insurer, commence on the date when the...
California Insurance Code Section 779.6
Notwithstanding the provisions of Section 10203.5, all credit life insurance and credit disability insurance subject to this article shall be...
California Insurance Code Section 779.7
If a creditor requires a debtor to make any payment for credit life insurance or credit disability insurance, and an individual policy or group...
California Insurance Code Section 779.8
All policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders delivered or issued for...
California Insurance Code Section 779.9
The commissioner shall within 30 days after the filing of any such policies, certificates of insurance, notices of proposed insurance, applications...
California Insurance Code Section 779.10
The provisions of Sections 10290 and 10291 relating to the filing, approval and disapproval of disability policy forms shall be applicable to forms,...
California Insurance Code Section 779.11
The provisions of subdivisions (d) and (e) of Section 10291.5 shall be applicable to the withdrawal of the approval of forms, whether of life or...
California Insurance Code Section 779.12
Any order or final determination of the commissioner under the provisions of Sections 779.8 to 779.11, both inclusive, shall be subject to judicial...
California Insurance Code Section 779.12a
If a group policy of credit life insurance or credit disability insurance (1) has been delivered in this State before September 18, 1959, or (2) has...
California Insurance Code Section 779.13
Any insurer may revise its schedules of premium rates from time to time, and shall file such revised schedules with the commissioner. No insurer...
California Insurance Code Section 779.14
(a) Each individual policy, group certificate, or notice of proposed insurance shall provide that in the event of termination of the insurance prior...
California Insurance Code Section 779.15
If a creditor requires a debtor to make any payment for credit life insurance or credit disability insurance and an individual policy or group...
California Insurance Code Section 779.16
The amount charged to a debtor for any credit life or credit disability insurance shall not exceed the premium rates filed with the commissioner for...
California Insurance Code Section 779.17
Nothing in this act shall be construed to authorize any charge now prohibited under any statute or rule governing credit transactions, irrespective...
California Insurance Code Section 779.18
All policies of credit life insurance and credit disability insurance shall be delivered or issued for delivery in this State only by an admitted...
California Insurance Code Section 779.19
All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. ...
California Insurance Code Section 779.20
When credit life insurance or credit disability insurance is required as additional security for any indebtedness, the debtor shall, upon request to...
California Insurance Code Section 779.21
The commissioner may adopt, pursuant to Chapter 3.5 (commencing with Section 11340) of Part 1 of Division 3 of Title 2 of the Government Code,...
California Insurance Code Section 779.22
The commissioner, in his discretion, may revoke or suspend the license or certificate of authority of any person guilty of a violation of any...
California Insurance Code Section 779.23
Whenever the commissioner finds that there has been a violation by an insurer of this article or any rules or regulations issued pursuant thereto, he
California Insurance Code Section 779.24
Any party affected by an order of the commissioner shall be entitled to judicial review in accordance with the provisions of Section 12940.
California Insurance Code Section 779.25
If any provision of this article, or the application of such provision to any person or circumstances, shall be held invalid, the remainder of the...
California Insurance Code Section 779.26
Credit life insurance and credit disability insurance within the scope of this article, where the form of policy including the premium rates...
California Insurance Code Section 779.27
In accordance with this article and the regulations adopted pursuant to Section 779.21, the commissioner shall, after notice and public hearing,...
California Insurance Code Section 779.28
For purposes of establishing the fact of disability in credit disability insurance, chiropractors' certifications of disability when made within the...
California Insurance Code Section 779.30
(a) An individual policy or group certificate may exclude from credit disability insurance coverage only those preexisting illnesses, diseases, or...
California Insurance Code Section 779.31
The debtor shall have the right to terminate credit life insurance or credit disability insurance at any time for any reason upon notice to the...
California Insurance Code Section 779.32
(a) The term "compensation," for the purpose of this article means any valuable consideration including, but not limited to, all paid or credited...
California Insurance Code Section 779.33
The use of compensating balances or special deposit accounts in connection, either directly or indirectly, with a credit life insurance program or a...
California Insurance Code Section 779.36
(a) The commissioner shall adopt regulations that become effective no later than January 1, 2001, specifying prima facie rates based upon presumptive
California Insurance Code Section 780
An insurer or officer or agent thereof, or an insurance broker or solicitor shall not cause or permit to be issued, circulated or used, any statement
California Insurance Code Section 781
(a) A person shall not make any statement that is known, or should have been known, to be a misrepresentation (1) to any other person for the purpose
California Insurance Code Section 782
Any person who violates the provisions of Section 780 or 781 is punishable by a fine not exceeding twenty-five thousand dollars ($25,000), or in a...
California Insurance Code Section 783
Whenever any insurance agent, broker, or solicitor knowingly violates any provisions of Sections 780 or 781, the commissioner, after a hearing in...
California Insurance Code Section 783.5
If an insurer knowingly violates any provision of Sections 780 or 781, or knowingly permits any officer, agent, or employee so to do, the...
California Insurance Code Section 784
Any person may be compelled to testify and produce books and writings at the trial or hearing of any person charged with violating any provision of...
California Insurance Code Section 785
(a) All insurers, brokers, agents, and others engaged in the transaction of insurance owe a prospective insured who is 65 years of age or older, a...
California Insurance Code Section 786
All disability insurance and life insurance policies and certificates offered for sale to individuals age 65 or older in California shall provide an...
California Insurance Code Section 786.5
(a) All brokers, agents, or other entities offering a contract of disability insurance to persons 65 years of age or older in this state shall...
California Insurance Code Section 787
Any advertisement or other device designed to produce leads based on a response from a potential insured which is directed towards persons age 65 or...
California Insurance Code Section 787.1
(a) The following definitions apply to this section: (1) "Senior designation" means any degree, title, credential, certificate, certification,...
California Insurance Code Section 788
An insurer, agent, broker, or other person engaged in the transaction of insurance shall not knowingly recommend for sale, or sell, disability...
California Insurance Code Section 788.5
No insurer, broker, agent, or other person shall cause an insured aged 65 years or older to replace a disability insurance policy or certificate...
California Insurance Code Section 788.7
No insurer, broker, agent, or other person shall knowingly recommend for purchase or sell disability insurance to a person age 65 or older which...
California Insurance Code Section 789
(a) The commissioner shall have the administrative authority to assess penalties against insurers, brokers, agents, and other entities engaged in the
California Insurance Code Section 789.3
(a) Any broker, agent, or other person or other entity engaged in the transactions of insurance, other than an insurer, who violates this article is...
California Insurance Code Section 789.5
If any provision of this article or the application thereof to any person or circumstances is held invalid, that invalidity shall not affect other...
California Insurance Code Section 789.6
(a) Insurance policies or certificates of disability insurance sold to persons age 65 or older shall return to policyholders or certificate holders...
California Insurance Code Section 789.7
(a) Sales of disability insurance regulated by this article, as well as Medicare supplement insurance and long-term care insurance sold to persons...
California Insurance Code Section 789.8
(a) "Elder" for purposes of this section means any person residing in this state who is 65 years of age or older. (b) If a life agent offers to...
California Insurance Code Section 789.9
(a) In addition to any other reasons that a sale of an individual annuity to a senior may violate any provision of law, an annuity shall not be sold...
California Insurance Code Section 789.10
(a) This section applies to the sale, offering for sale, or generation of leads for the sale of life insurance, including annuities, to senior...
California Insurance Code Section 790
The purpose of this article is to regulate trade practices in the business of insurance in accordance with the intent of Congress as expressed in the
California Insurance Code Section 790.01
This article applies to reciprocal and interinsurance exchanges, Lloyds insurers, fraternal benefit societies, fraternal fire insurers, grants and...
California Insurance Code Section 790.02
No person shall engage in this State in any trade practice which is defined in this article as, or determined pursuant to this article to be, an...
California Insurance Code Section 790.03
The following are hereby defined as unfair methods of competition and unfair and deceptive acts or practices in the business of insurance. (a)...
California Insurance Code Section 790.031
The requirements of subdivision (b) of Section 790.034, and Sections 2071.1 and 10082.3 shall apply only to policies of residential property...
California Insurance Code Section 790.034
(a) Regulations adopted by the commissioner pursuant to this article that relate to the settlement of claims shall take into consideration settlement
California Insurance Code Section 790.035
(a) Any person who engages in any unfair method of competition or any unfair or deceptive act or practice defined in Section 790.03 is liable to the...
California Insurance Code Section 790.036
(a) It is an unfair and deceptive act or practice in the business of insurance for an insurer to advertise insurance that it will not sell. (b)...
California Insurance Code Section 790.037
It is an unfair business practice for a health insurance agent or broker to sell, solicit, or negotiate the purchase of health insurance by any of...
California Insurance Code Section 790.04
The commissioner shall have power to examine and investigate into the affairs of every person engaged in the business of insurance in the State in...
California Insurance Code Section 790.05
Whenever the commissioner shall have reason to believe that a person has been engaged or is engaging in this state in any unfair method of...
California Insurance Code Section 790.06
(a) Whenever the commissioner shall have reason to believe that any person engaged in the business of insurance is engaging in this state in any...
California Insurance Code Section 790.07
Whenever the commissioner shall have reason to believe that any person has violated a cease and desist order issued pursuant to Section 790.05 or a...
California Insurance Code Section 790.08
The powers vested in the commissioner in this article shall be additional to any other powers to enforce any penalties, fines or forfeitures,...
California Insurance Code Section 790.09
No order to cease and desist issued under this article directed to any person or subsequent administrative or judicial proceeding to enforce the same
California Insurance Code Section 790.10
The commissioner shall, from time to time as conditions warrant, after notice and public hearing, promulgate reasonable rules and regulations, and...
California Insurance Code Section 790.15
(a) If an insurer or any affiliate of an insurer has failed to pay any valid claim from Holocaust survivors, the certificate of authority of the...
California Insurance Code Section 791
The purpose of this article is to establish standards for the collection, use and disclosure of information gathered in connection with insurance...
California Insurance Code Section 791.01
(a) The obligations imposed by this article shall apply to those insurance institutions, agents or insurance-support organizations which, on or after
California Insurance Code Section 791.02
As used in this act: (a) (1) "Adverse underwriting decision" means any of the following actions with respect to insurance transactions involving...
California Insurance Code Section 791.03
No insurance institution, agent or insurance-support organization shall use or authorize the use of pretext interviews to obtain information in...
California Insurance Code Section 791.04
(a) An insurance institution or agent shall provide a notice of information practices to all applicants or policyholders in connection with insurance
California Insurance Code Section 791.05
An insurance institution or agent shall clearly specify those questions designed to obtain information solely for marketing or research purposes from
California Insurance Code Section 791.06
Notwithstanding any other provision of law, no insurance institution, agent or insurance-support organization may utilize as its disclosure...
California Insurance Code Section 791.07
(a) No insurance institution, agent or insurance-support organization may prepare or request an investigative consumer report about an individual in...
California Insurance Code Section 791.08
(a) If any individual, after proper identification, submits a written request to an insurance institution, agent or insurance-support organization...
California Insurance Code Section 791.09
(a) Within 30 business days from the date of receipt of a written request from an individual to correct, amend or delete any recorded personal...
California Insurance Code Section 791.10
(a) In the event of an adverse underwriting decision the insurance institution or agent responsible for the decision shall: (1) Either provide the
California Insurance Code Section 791.11
No insurance institution, agent or insurance-support organization may seek information in connection with an insurance transaction concerning: (a)
California Insurance Code Section 791.12
No insurance institution or agent may base an adverse underwriting decision in whole or in part on the following: (a) On the fact of a previous...
California Insurance Code Section 791.13
An insurance institution, agent, or insurance-support organization shall not disclose any personal or privileged information about an individual...
California Insurance Code Section 791.14
(a) The commissioner shall have power to examine and investigate into the affairs of every insurance institution or agent doing business in this...
California Insurance Code Section 791.15
(a) Whenever the commissioner has reason to believe that an insurance institution, agent or insurance-support organization has been or is engaged in...
California Insurance Code Section 791.16
For the purpose of this article, an insurance-support organization transacting business outside this state that has an effect on a person residing in
California Insurance Code Section 791.17
(a) If, after a hearing pursuant to Section 791.15, the commissioner determines that the insurance institution, agent or insurance-support...
California Insurance Code Section 791.18
(a) Any person subject to an order of the commissioner under Section 779.17 or Section 791.20 or any person whose rights under this article were...
California Insurance Code Section 791.19
Any person who violates a cease and desist order of the commissioner under Section 791.17 may, after notice and hearing and upon order of the...
California Insurance Code Section 791.20
(a) If any insurance institution, agent or insurance-support organization fails to comply with Section 791.08, 791.09 or 791.10 with respect to the...
California Insurance Code Section 791.21
No cause of action in the nature of defamation, invasion of privacy or negligence shall arise against any person for disclosing personal or...
California Insurance Code Section 791.22
Any person who knowingly and willfully obtains information about an individual from an insurance institution, agent or insurance-support organization
California Insurance Code Section 791.23
The rights granted under Sections 791.08, 791.09 and 791.13 shall take effect on October 1, 1981, regardless of the date of the collection or receipt
California Insurance Code Section 791.26
Where an authorization from the individual was granted to a nonprofit hospital service plan prior to October 1, 1981, such authorization shall be...
California Insurance Code Section 791.27
A disability insurer that provides coverage for hospital, medical, or surgical expenses shall not release any information to an employer that would...
California Insurance Code Section 791.28
(a) An insurer under a personal lines residential property insurance policy, if it reports the claims history or loss experience of insureds under...
California Insurance Code Section 795
It is the purpose of this article to provide a means of more adequately meeting the needs of persons who are 65 years of age or older and their...
California Insurance Code Section 795.1
Wherever used in this article, the following terms shall have the meanings hereinafter set forth or indicated, unless the context otherwise...
California Insurance Code Section 795.2
Notwithstanding any other provision of this code or any other law which may be inconsistent herewith, any insurer may join with one or more other...
California Insurance Code Section 795.25
Any association, organized in accordance with this article, may offer, issue and administer a policy, or policies, designed to specifically meet the...
California Insurance Code Section 795.3
Notwithstanding the provisions of Section 755.5 of this code, any person licensed to transact disability insurance as an insurance agent, insurance...
California Insurance Code Section 795.4
Any association formed for the purposes of this article may hold title to property, may enter into contracts, and may limit the liability of its...
California Insurance Code Section 795.5
The forms of the policies, applications, certificates or other evidence of insurance coverage, commission schedules and applicable premium rates...
California Insurance Code Section 795.6
The articles of association of any association formed in accordance with this article, all amendments and supplements thereto, a designation in...
California Insurance Code Section 795.7
No act done, action taken or agreement made pursuant to the authority conferred by this article shall constitute a violation of or grounds for...
California Insurance Code Section 796.01
Disability insurers and nonprofit hospital service plans shall, upon rejecting a claim from a health care provider or a patient, and upon their...
California Insurance Code Section 796.02
Compensation of a person retained by a disability insurer to review claims for health care services shall not be based on either of the following:
California Insurance Code Section 796.03
This article does not apply to services or benefits provided pursuant to Medi-Cal, including services or benefits provided under Chapters 7...
California Insurance Code Section 796.04
A health insurer that provides coverage for hospital, medical, or surgical expenses that authorizes a specific type of treatment for services covered
California Insurance Code Section 799
The purposes of this article are to establish standards for the performance by life and disability income insurers of their duty to avoid making or...
California Insurance Code Section 799.01
As used in this article: (a) "ELISA" test means an enzyme-linked immunosorbent assay serologic test which has been licensed by the federal Food...
California Insurance Code Section 799.02
Notwithstanding subdivision (f) of Section 120980 of the Health and Safety Code or any other provisions of law, a life or disability income insurer...
California Insurance Code Section 799.03
No insurer shall test for HIV or for the presence of antibodies to HIV for the purpose of determining insurability other than in accordance with the...
California Insurance Code Section 799.04
A life or disability income insurer may not require an applicant to undergo an HIV antibody test unless the cost of the test is borne by the insurer.
California Insurance Code Section 799.05
No life or disability income insurer shall consider the marital status or known or suspected homosexuality or bisexuality of an applicant for life...
California Insurance Code Section 799.06
All underwriting activities undertaken by insurers pursuant to this article shall be subject to all applicable provisions of Article 6.6 (commencing...
California Insurance Code Section 799.07
If an applicant has had a positive ELISA test result or a positive Western Blot Assay or both, a life or disability income insurer shall not report a
California Insurance Code Section 799.08
No policy or certificate shall limit benefits otherwise payable if loss is caused or contributed to by AIDS or ARC unless the insurer could have...
California Insurance Code Section 799.09
No life or disability income insurer shall require an HIV antibody test if the results of the test would be used exclusively or nonexclusively for...
California Insurance Code Section 799.10
(a) This section shall apply to the disclosure of the results of HIV antibody tests requested by an insurer pursuant to this article and,...
California Insurance Code Section 800
This article shall not apply to: (a) Insurers made exempt therefrom by other provisions of this code. (b) Insurance upon the interests of...
California Insurance Code Section 801
The amendments made in any sections contained in this article by the Statutes of the 1969 Regular Session of the Legislature shall not repeal,...
California Insurance Code Section 802
Any admitted insurer may, by means of temporary binders, execute contracts of insurance at offices outside this state upon subject matter located in...
California Insurance Code Section 803
(a) No admitted insurer shall assume or reinsure the liabilities of a nonadmitted insurer upon subject matter located in this state for the purpose...
California Insurance Code Section 804
Any insurer willfully violating any provision of this article is guilty of a misdemeanor and is punishable by a fine not exceeding one thousand...
California Insurance Code Section 810
An admitted insurer, without first obtaining the written consent of the commissioner, shall not enter into any agreement or arrangement with any...
California Insurance Code Section 815
No insurer shall pay any representative given discretion as to the settlement or adjustment of claims under life or disability policies, whether in...
California Insurance Code Section 816
No insurer shall pay any person given discretion as to settlement of claims under any policy of insurance, or surety bond, whether in direct...
California Insurance Code Section 820
The terms used in this article shall be given the meanings herein set forth, but such meanings shall not, merely by reason of enactment in this...
California Insurance Code Section 821
"Security" means every instrument commonly known by that term, except: (a) Commercial paper when issued, given or acquired in a bona fide way in...
California Insurance Code Section 821.5
Without in any manner affecting the scope of the term "security" as set forth in section 821, and with the exceptions therein set forth, the...
California Insurance Code Section 822
Except as otherwise provided by this article, "sale" or "sell" means every disposition, or attempt or arrangement to dispose, of a security or...
California Insurance Code Section 823
(a) A privilege pertaining to a security giving the holder the privilege to convert such security into another security of the same insurer is not a...
California Insurance Code Section 824
"Broker" means every person, other than an agent, who in this state engages either wholly or in part in the business of (a) dealing in any security...
California Insurance Code Section 825
"Agent" means every person employed or appointed by an insurer or broker who, within this State and for a compensation, sells any security.
California Insurance Code Section 826
"Insurer" for the purposes of this article includes every organization organized for the purpose of assuming the risk of loss under contracts of...
California Insurance Code Section 827
An insurer shall not sell in this state, except upon a sale for delinquent assessment made in accordance with the provisions of Section 423 of the...
California Insurance Code Section 827.3
(a) As used in this section, the term "insurer" means an insurer which is domestic and admitted. (b) The transactions of an insurer set out in...
California Insurance Code Section 827.5
The term "insurer" as used in this section shall not include domestic insurers as defined in Section 26. The following transactions of an insurer...
California Insurance Code Section 827.6
Any offer or sale of voting common stock by an insurer incorporated in this state shall be exempt from the provisions of this article if, immediately
California Insurance Code Section 827.7
Where required by this article the commissioner is authorized to issue subscription and preorganization permits of and pertaining to insurers or...
California Insurance Code Section 827.8
An offer or sale of voting common stock or preferred stock of and by a foreign or alien insurer to fire and casualty broker-agents, as defined in...
California Insurance Code Section 828
Except in the case of a broker holding a broker's certificate issued by the commissioner under this code or by the Commissioner of Corporations under
California Insurance Code Section 829
A person shall not issue, circulate, or publish any advertisement or writing concerning any security sold by him, unless either his name is...
California Insurance Code Section 830
A person shall not issue, circulate, or publish any such advertisement or writing after receipt of notice in writing from the commissioner that, in...
California Insurance Code Section 831
Every security issued by any insurer without a permit of the commissioner authorizing the same in effect at the time of the issue, shall be void. ...
California Insurance Code Section 831.1
Every security of a home protection company issued or authorized to be issued prior to December 31, 1978, shall be valid even though it has been...
California Insurance Code Section 832
Every insurer that commits any of the following acts is guilty of a public offense and punishable by fine not exceeding ten thousand dollars: (a)...
California Insurance Code Section 833
Every person who commits any of the acts specified in this section is guilty of a public offense and punishable by a fine not exceeding ten thousand...
California Insurance Code Section 834
The application for a permit to issue or sell securities shall be verified as provided in the Code of Civil Procedure for the verification of...
California Insurance Code Section 835
If the applicant is a partnership, unincorporated association, or joint stock company, it shall file with its application a copy of its articles of...
California Insurance Code Section 836
If the applicant is a corporation, it shall file with its application a copy of all minutes of any proceedings of its directors, stockholders, or...
California Insurance Code Section 837
If the applicant is a foreign corporation or association, it shall also file with its application: (a) A certificate of the proper officer of the...
California Insurance Code Section 838
Upon the filing of such application, the commissioner shall examine it and the other papers and documents filed therewith. He may, if he deems it...
California Insurance Code Section 838.5
Pursuant to this code, the commissioner has been and is authorized, in the instance of an application for a permit to issue securities in exchange...
California Insurance Code Section 839
The commissioner shall issue a permit if he finds that: (a) The proposed plan of business of the applicant and the proposed issuance of securities
California Insurance Code Section 839.1
(a) In any case where a domestic insurer is directly affected by the total transaction for some part of which the permit applied for is needed, and...
California Insurance Code Section 839.5
The commissioner shall not issue a permit for the sale of any securities of a domestic insurer in any case where he finds that the expense of...
California Insurance Code Section 840
The commissioner may prescribe in the permit the amounts, considerations, terms, and conditions governing the issue and disposal of the securities...
California Insurance Code Section 841
Every permit shall recite in bold type that the issuance thereof is permissive only and does not constitute a recommendation or endorsement of the...
California Insurance Code Section 842
The commissioner may impose conditions requiring the deposit in escrow of securities and the impoundment of the proceeds from the sale thereof,...
California Insurance Code Section 843
The commissioner may, from time to time and for cause, amend, alter or revoke any permit issued by him hereunder, or temporarily suspend the rights...
California Insurance Code Section 844
Every insurer authorized by the commissioner to sell securities shall thereafter, at such times and in such form as he requires, make and file in his
California Insurance Code Section 845
(a) No person may sell or resell any security of a domestic, foreign, or alien insurer: (1) As an insurer with respect to securities of its own...
California Insurance Code Section 845.5
The certificate required by Section 845 to act as an agent of an insurer shall be secured as provided in Section 846 and shall expire on the first...
California Insurance Code Section 846
To secure such certificate, the applicant shall make and file in the office of the commissioner an application therefor in writing, verified by or in
California Insurance Code Section 847
At the time of filing an application for a broker's certificate, the applicant shall file with the commissioner a bond for five thousand dollars,...
California Insurance Code Section 850
If the applicant is a foreign corporation or association, it shall file with its application: (a) A copy of its articles of incorporation or...
California Insurance Code Section 851
The commissioner shall examine such application, and shall make such further investigation of the applicant and its affairs as he deems advisable. He
California Insurance Code Section 852
The commissioner may at any time in accordance with the procedure provided in Section 1738 suspend or revoke any broker's or agent's certificate...
California Insurance Code Section 853
Every broker shall, at such times as the commissioner requires, make and file in the office of the commissioner a true and correct statement...
California Insurance Code Section 854
After receipt of notice in writing from the commissioner, stating that the sale of a security would, in the commissioner's opinion, be unfair,...
California Insurance Code Section 855
All writings filed with the commissioner under this article shall be open to public inspection except where, in his judgment, the public welfare or...
California Insurance Code Section 856
(a) The commissioner may at any time give or make public any information concerning any insurer, if in the commissioner's judgment, the giving or...
California Insurance Code Section 857
The commissioner shall charge and collect the following fees: (a) For filing an original or supplemental application, or any amendments thereto,...
California Insurance Code Section 859
The commissioner shall also collect the following fees: (a) For filing any application for a broker's certificate, one hundred eighteen dollars...
California Insurance Code Section 860
No fees shall be charged or collected for copies of papers, records, or official documents furnished to public officers for use in their official...
California Insurance Code Section 880
Except as provided in this article, every insurer shall conduct its business in this State in its own name.
California Insurance Code Section 881
The commissioner shall require the name or any changed name of every insurer (including reciprocal or interinsurance exchanges), every attorney in...
California Insurance Code Section 881.1
Notwithstanding the provisions of Section 881 or any other provision of law, neither the commissioner or the Secretary of State shall reject a name...
California Insurance Code Section 881.2
Notwithstanding Section 5652 of the Financial Code, use of the term "savings bank" in a name or title may be approved for use by the commissioner if...
California Insurance Code Section 881.3
Upon approval of an applicant's name by the commissioner, and the issuance of a certificate approving the same, the applicant may apply to the...
California Insurance Code Section 881.5
If through inadvertance or otherwise a corporation does not comply with Section 881 of the Insurance Code, or with Sections 201.5, 202, 2105, 2106,...
California Insurance Code Section 882
When two or more insurers propose to issue an underwriter's policy, each insurer shall first file an application with the commissioner for approval...
California Insurance Code Section 882.5
(a) A home protection company proposing to issue a contract bearing the name of itself as well as another name which is the name of a person,...
California Insurance Code Section 883
An underwriter's policy may be issued under a name thus registered and shall clearly show: (a) The names of the insurers guaranteeing it. (b)...
California Insurance Code Section 884
Unless renewed, the approval and registration of all underwriters' names shall expire at 12:01 a.m. July 1st of each even-numbered year. Renewal may
California Insurance Code Section 885
The commissioner may at any time institute proceedings for the revocation of approval and registration of an underwriter's name upon any of the...
California Insurance Code Section 886
Termination of approval and registration of an underwriter's name, whether through denial of a renewal application or revocation, shall have no...
California Insurance Code Section 900
(a) On or before the first day of March of each year every insurer doing business in this state shall make and file with the commissioner, in the...
California Insurance Code Section 900.2
(a) All insurers doing business in this state shall have an annual audit by an independent certified public accountant. The audit shall be conducted
California Insurance Code Section 900.5
The commissioner shall charge and collect one hundred eighteen dollars ($118) in advance as a fee for the first filing each year of a statement under
California Insurance Code Section 900.8
The commissioner may decline to grant or renew or may suspend or revoke a certificate of authority of an insurer that knowingly files with the...
California Insurance Code Section 900.9
Any officer, director, employee or agent of any insurer, who wilfully signs or files a false or untrue report or statement of the business, affairs,...
California Insurance Code Section 902
Insurers engaged in the business of compensation insurance shall, at such intervals as may be prescribed by the commissioner, file statements...
California Insurance Code Section 903
The commissioner shall require statements and reports to be verified as follows: (a) If made by a domestic corporation, by the oaths of any two of...
California Insurance Code Section 903.5
In any case where an insurer is required by law to file with the commissioner statements or reports respecting its financial condition, income or...
California Insurance Code Section 904
In addition to the annual statement required to be filed pursuant to Section 900, each admitted insurer shall file an authorization for disclosure to
California Insurance Code Section 922
The guarantee by the Small Business Administrator that a surety shall not suffer loss as set forth in the Small Business Investment Act of 1958, as...
California Insurance Code Section 922.1
The Legislature declares its intent that: (a) In some instances, it is appropriate for the protection of insureds, insurers, and the public...
California Insurance Code Section 922.2
(a) Credit for reinsurance shall be allowed a domestic ceding insurer as either an asset or a deduction from liability in accordance with Sections...
California Insurance Code Section 922.3
Notwithstanding any other provision of law, credit for reinsurance, as either an asset or a deduction, shall not be allowed in any accounting or...
California Insurance Code Section 922.4
Credit for reinsurance shall be allowed a domestic ceding insurer as either an asset or a deduction from liability on account of reinsurance ceded...
California Insurance Code Section 922.5
(a) An asset or a deduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer not meeting the requirements of Section
California Insurance Code Section 922.6
(a) Unless credit for reinsurance or deduction from liability is disallowed pursuant to Section 922.3 or 923, credit for reinsurance or deduction...
California Insurance Code Section 922.7
(a) For purposes of subdivision (b) of Section 922.5, a "qualified United States financial institution" means an institution that complies with all...
California Insurance Code Section 922.8
(a) The commissioner, after notice, comment period, and a hearing if requested by more than 10 affected insurers, may issue a bulletin setting forth...
California Insurance Code Section 922.9
Sections 922.4 and 922.5 shall apply to all cessions on and after January 1, 1997, under reinsurance contracts that have had an inception,...
California Insurance Code Section 923
The commissioner shall require every insurer which is required to file an annual or quarterly statement to use the statement blanks and instructions...
California Insurance Code Section 923.5
Each insurer transacting business in this state shall at all times maintain reserves in an amount estimated in the aggregate to provide for the...
California Insurance Code Section 924
The commissioner shall collect a late filing fee of three hundred thirty-six dollars ($336) from any admitted insurer that fails to make and file in...
California Insurance Code Section 925
Upon request of the commissioner, and at intervals as prescribed by him or her, any insurer that appears to the commissioner to require immediate...
California Insurance Code Section 925.1
(a) All supplemental information, work papers and other relevant documents of the independent certified public accountant, or independent actuary, or
California Insurance Code Section 925.2
The commissioner may prescribe the subject matter and form of reporting supplemental information and the subject matter of opinions.
California Insurance Code Section 925.3
All supplemental information provided or made available to the commissioner pursuant to Sections 925 to 925.2, inclusive, including work papers and...
California Insurance Code Section 925.4
Nothing contained herein shall be deemed in any manner to limit, restrict or abridge the powers of the commissioner to examine insurers, to inquire...
California Insurance Code Section 926.1
As used in this article, the following terms shall have the following meanings: (a) "Area median income" (AMI) means either of the following: ...
California Insurance Code Section 926.2
(a) Each insurer admitted in California shall provide information biennially to the commissioner on all its Community Development Investments and...
California Insurance Code Section 928
(a) An admitted insurer shall not undertake any single risk or accept reinsurance on any single risk when its liability thereon in excess of the...
California Insurance Code Section 930
The provisions of this article shall apply to all domestic, foreign, and alien insurers doing business in this state.
California Insurance Code Section 931
(a) Each domestic, foreign, and alien insurer doing business in this state shall annually, on or before the first day of March of each year, file...
California Insurance Code Section 932
In the absence of actual malice, members of the National Association of Insurance Commissioners, their duly authorized committees, subcommittees, and
California Insurance Code Section 933
All financial analysis ratios and examination synopses concerning insurers that are submitted to the department by the National Association of...
California Insurance Code Section 934
The commissioner may suspend, revoke, or refuse to renew the certificate of authority of any insurer failing to file its annual or quarterly...
California Insurance Code Section 939
Except as otherwise expressly provided, all deposits of securities with the commissioner shall be subject to the provisions of this article.
California Insurance Code Section 940
The commissioner shall accept and hold securities in trust for the policyholders or policyholders and creditors of an insurer and for their benefit,...
California Insurance Code Section 940.1
The commissioner shall require the payment of fifty-eight dollars ($58) in lawful money of the United States in advance for receiving and processing...
California Insurance Code Section 941
Such deposited securities shall not be estimated above their par value nor above their market value, except that preferred stock shall be estimated...
California Insurance Code Section 942
The commissioner shall permit a deposit of those securities in the State Treasury, subject to the provisions of Sections 11715 and 11716, if...
California Insurance Code Section 943
So long as the insurer continues solvent the commissioner shall permit it to collect the interest or dividends on the securities so deposited, and...
California Insurance Code Section 944
Securities deposited under the provisions of this article shall not be withdrawn from the State treasury except upon the written order of the insurer
California Insurance Code Section 945
If the deposit is of mortgages, it shall be accompanied either by full abstracts of title with the fees for examination of title, or by policies of...
California Insurance Code Section 946
If the deposit is of stocks or bonds, it shall be accompanied by the fees necessary for the appraisal thereof, except as otherwise provided by...
California Insurance Code Section 948
Whenever an insurer has deposited with the commissioner the requisite security, in conformity with the requirements of this article, the commissioner
California Insurance Code Section 949
The commissioner shall require the payment of twenty-nine dollars ($29) in lawful money of the United States, in advance, as a fee for each...
California Insurance Code Section 950
Whenever such a depositing insurer has paid, canceled, or reinsured all its unexpired policies outstanding in this State, and all its liabilities...
California Insurance Code Section 951
Pending such examination the securities requested to be withdrawn may continue subject to withdrawal and substitution as provided by section 943.
California Insurance Code Section 952
Whenever the laws of any other state or country, by reason of which Section 940 is brought into force, are repealed and abrogated, then any deposit...
California Insurance Code Section 953
Whenever a domestic insurer deposits securities with an officer of this State, in order to enable it to do business in another State pursuant to the...
California Insurance Code Section 954
The commissioner shall make an annual examination of the securities received by him from each insurer. If it appears at any time that the securities
California Insurance Code Section 955
All appraisal fees collected by the commissioner under the provisions of this article shall be paid into the State treasury in trust and withdrawn as
California Insurance Code Section 956
An account or accounts in one or more banks or savings and loan associations the accounts of which are insured by an agency or instrumentality of the
California Insurance Code Section 980
As used in this article, "liability" includes liability for losses reported, expenses, taxes, and all other indebtedness not included in those...
California Insurance Code Section 984
Any mortgage insurer or any mortgage guaranty insurer is insolvent whenever provision for its liabilities and for unearned income would, after...
California Insurance Code Section 985
(a) On or after January 1, 1970, as used in this article and in subdivision (i) of Section 1011, "insolvency" means either of the following: (1)...
California Insurance Code Section 985.5
In the case of the insolvency of an admitted insurer, the commissioner shall prepare a report, which shall be a public record, with respect to the...
California Insurance Code Section 985.6
The costs incurred in investigating and preparing the report required by Section 985.5 shall be an expense of administration within the meaning of...
California Insurance Code Section 986
A life insurer issuing policies on a reserve basis is insolvent whenever its assets are exceeded by the total of the following: (1) the amount...
California Insurance Code Section 987
A title insurer is insolvent whenever provision for its liabilities would, after exhausting its required surplus, so far impair its capital paid in...
California Insurance Code Section 988
(a) As used in this section: (1) "Impaired" means a financial situation in which the assets of an insurer are less than the sum of the insurer's...
California Insurance Code Section 989
Any person who does any of the following is guilty of a misdemeanor punishable by not more than one year in county jail: (a) Conceals any property
California Insurance Code Section 995
(a) As used in this article, "contingent compensation arrangement" means an arrangement having as its purpose the payment of a variable commission by
California Insurance Code Section 995.1
An agent, broker, surplus line broker, general agent or other person operating under a contingent or retrospective compensation arrangement with any...
California Insurance Code Section 995.2
An insurer shall not claim as an asset by reason of any provision of a contingent or retrospective compensation arrangement, any account due from the
California Insurance Code Section 995.3
Every person operating under a retrospective or contingent compensation arrangement with any insurer shall report to the insurer within a reasonable...
California Insurance Code Section 995.4
An insurer, notwithstanding the provisions of any contingent or retrospective compensation arrangement with any person, shall maintain as a...
California Insurance Code Section 995.5
An insurer, notwithstanding the provisions of any contingent or retrospective compensation arrangement with any person, shall report and pay the...
California Insurance Code Section 995.6
The provisions of Sections 995.1, 995.2, and 995.3 permitting the commissioner, in certain situations, to examine a person operating under a...
California Insurance Code Section 995.7
The purposes of Section 816 and the provisions of this article are to promote the solvency of insurers and the producers dealing with them under...
California Insurance Code Section 997
(a) For statement purposes as defined in Article 10 (commencing with Section 900), for insolvency calculations as defined in Article 13 (commencing...
California Insurance Code Section 1010
(a) The provisions of this article shall apply to all persons, except the State Compensation Insurance Fund, subject to examination by the...
California Insurance Code Section 1011
The superior court of the county in which the principal office of a person described in Section 1010 is located shall, upon the filing by the...
California Insurance Code Section 1011.5
The consent described in Section 1011(c) shall be obtained by filing an application with the commissioner in a form to be prescribed by him...
California Insurance Code Section 1012
Said order shall continue in force and effect until, on the application either of the commissioner or of such person, it shall, after a full hearing,
California Insurance Code Section 1013
Whenever it appears to the commissioner that any of the conditions set forth in section 1011 exist or that irreparable loss and injury to the...
California Insurance Code Section 1014
Whenever the commissioner makes any seizure as provided in section 1013, it shall, on the demand of the commissioner, be the duty of the sheriff of...
California Insurance Code Section 1015
Immediately after such seizure, the commissioner shall institute a proceeding as provided for in section 1011 and thereafter shall proceed in...
California Insurance Code Section 1016
If at any time after the issuance of an order under section 1011, or if at the time of instituting any proceeding under this article, it shall appear
California Insurance Code Section 1017
(a) In the commissioner's application for an order for the liquidation of a domestic corporation, or at any time thereafter, the commissioner may...
California Insurance Code Section 1018
The recording in the office of a county recorder of any county in the State of an order entered pursuant to section 1011, 1016 or 1017 shall impart...
California Insurance Code Section 1019
Upon the issuance of an order of liquidation under section 1016, the rights and liabilities of any such person and of creditors, policyholders,...
California Insurance Code Section 1020
Upon the issuance of an order either under Section 1011 or 1016, or at any time thereafter, the court shall issue such other injunctions or orders as
California Insurance Code Section 1021
(a) Upon the making of an order to liquidate the business of such person, the commissioner shall publish notice to its policyholders, creditors,...
California Insurance Code Section 1022
Such notice shall be published in a newspaper of general circulation, published in the county in which the proceeding is pending, and in the Counties
California Insurance Code Section 1023
A claim must set forth, under oath, on the form prescribed by the commissioner: (a) The particulars thereof, and the consideration therefor. ...
California Insurance Code Section 1024
Unless such claim is filed in the manner and within the time provided in section 1021, it shall not be entitled to filing or allowance, and no action
California Insurance Code Section 1025
Claims founded upon unliquidated or undetermined demands must be filed within the time limit provided in this article for the filing of claims, but...
California Insurance Code Section 1025.5
Notwithstanding the provisions of Sections 1021 to 1025, inclusive, the commissioner may, in lieu of requiring claimants to file separate claims: ...
California Insurance Code Section 1026
Whenever any person has a cause of action against an insured and such cause is covered by a liability policy, such person, if the insurer is adjudged
California Insurance Code Section 1026.1
Where a claim arising out of a policy of insurance has been filed by a third party and approved by the liquidator and such claim has subsequently...
California Insurance Code Section 1027
A claim by a third party founded upon an insurance policy may be allowed by the liquidator without requiring such claim to be reduced to judgment,...
California Insurance Code Section 1028
A judgment taken by default, or by collusion, against an insured shall not be considered as evidence, in the liquidation proceeding, either of the...
California Insurance Code Section 1029
A claim of a secured claimant shall not be allowed in a sum greater than the excess over the value of the security of the amount for which the claim...
California Insurance Code Section 1030
The value of the security to be credited upon such claim shall be determined by an appraiser appointed by the liquidator and approved by the court. ...
California Insurance Code Section 1030.5
(a) The liquidator may require, as a condition of payment of the final liquidation dividend to a lender, or his assignee, who has filed a claim for...
California Insurance Code Section 1030.6
In any proceeding under this article, no agent shall be liable to the liquidator or conservator for unearned premiums uncollected by the agent, or...
California Insurance Code Section 1031
Mutual debts or mutual credits, whether arising out of one or more contracts between the person in liquidation under Section 1016 and any other...
California Insurance Code Section 1032
When a claim is rejected by the commissioner, written notice of rejection shall be given by mail, addressed to the claimant at the address set forth...
California Insurance Code Section 1033
(a) Claims allowed in a proceeding under this article shall be given preference in the following order: (1) Expense of administration. (2) All...
California Insurance Code Section 1033.5
(a) The purpose of this section is to clarify the rights and obligations of policyholders, claimants, guaranty funds, including the California...
California Insurance Code Section 1034
(a) A preference is a transfer of any of the property of the person proceeded against to or for the benefit of a creditor, for or on account of an...
California Insurance Code Section 1034.1
(a) Every transfer made or suffered and every obligation incurred by a person proceeded against within one year prior to the filing of a successful...
California Insurance Code Section 1035
(a) In any proceeding under this article, the commissioner may appoint and employ under his or her hand and official seal, special deputy...
California Insurance Code Section 1035.2
(a) The officers and employees of the Conservation and Liquidation Office are subject to all conflict-of-interest provisions and financial disclosure
California Insurance Code Section 1035.5
Notwithstanding the provisions of Article 14 (commencing with Section 1010), with regard only to those insurers subject to this article: (a)...
California Insurance Code Section 1036
Notwithstanding any other provision of law, the provisions of Article 4 (commencing with Section 11040) of Chapter 1 of Part 1 of Division 3 of Title
California Insurance Code Section 1037
Upon taking possession of the property and business of any person in any proceeding under this article, the commissioner, exclusively and except as...
California Insurance Code Section 1038
Any application under section 1011 or 1016 shall be served upon the person named in such application in the manner prescribed by law for personal...
California Insurance Code Section 1039
In lieu of the service required by section 1038, service may, upon application to said court, be made in such manner as the court directs whenever it
California Insurance Code Section 1040
At any time after an order is made under section 1011 or 1016, the commissioner may remove the principal office of the person proceeded against to...
California Insurance Code Section 1041
The commissioner shall be the custodian of all moneys collected by him or her or coming into his or her possession in the course of any proceeding...
California Insurance Code Section 1042
The commissioner and a special deputy commissioner appointed pursuant to section 1035 shall have the power to subpoena witnesses and examine them...
California Insurance Code Section 1043
In any proceeding under this article, the commissioner, as conservator or as liquidator, may, subject to the approval of said court, and subject to...
California Insurance Code Section 1044
In connection with a rehabilitation agreement under section 1043, which affects a life insurer, and in an agreement made for the reinsurance of the...
California Insurance Code Section 1045
If at any time after the issuance of an order under section 1011 affecting a life insurer issuing nonassessable policies on a reserve basis and...
California Insurance Code Section 1046
Said mutualization plan shall include provisions for: (a) The acquisition by such insurer of all outstanding shares of its capital stock at a...
California Insurance Code Section 1047
Said mutualization plan may include provisions: (a) Imposing a moratorium against the provisions of the life insurance policies issued by such...
California Insurance Code Section 1048
Upon formulation of said mutualization plan the commissioner shall submit the same to said court with his application for an order of said court...
California Insurance Code Section 1049
Each policyholder of such insurer shall be entitled to one vote, regardless of the amount for which, or the number of policies under which, he is...
California Insurance Code Section 1050
In the event that said plan of mutualization is approved by said policyholders, the commissioner shall certify to the said court the fact of such...
California Insurance Code Section 1051
After the expiration of the time fixed in the order provided for in section 1050, and upon the filing of such petition, said court shall direct...
California Insurance Code Section 1052
Thereupon the commissioner shall: (a) Pay to each of such shareholders or his assignee or nominee, upon surrender of the shares held by such...
California Insurance Code Section 1053
Immediately upon the appointment of the directors as provided in subdivision (b) of section 1052, the directors theretofore holding office shall...
California Insurance Code Section 1054
Such insurer, after mutualization, shall be a continuation of the original insurer, and such mutualization shall not affect existing suits, rights or
California Insurance Code Section 1055
The commissioner shall exercise the powers and discharge the duties, concerning any insurer so mutualized, that are applicable to domestic insurers...
California Insurance Code Section 1056
All costs and expenses connected with proceedings for the mutualization of such insurer shall be paid by the commissioner out of the funds of such...
California Insurance Code Section 1056.5
Whenever money or other property is payable to any claimant out of the assets of any person under the provisions of Sections 1021 to 1033, but such...
California Insurance Code Section 1057
In all proceedings under this article, the commissioner shall be deemed to be a trustee for the benefit of all creditors and other persons interested
California Insurance Code Section 1058
In any proceeding pending under the provisions of this article, the court in which such proceeding is pending shall have jurisdiction to hear and...
California Insurance Code Section 1059
The commissioner, in the performance of any of his duties under this article, shall be deemed to be a public officer acting in his official capacity...
California Insurance Code Section 1060
The commissioner shall transmit all of the following to the Governor, the Legislature, and to the committees of the Senate and Assembly having...
California Insurance Code Section 1061
In verification of the matters set forth in Section 1060 of this code, the Department of Finance shall, at least every two years or more often if...
California Insurance Code Section 1062
In the event of the entry of an order under Section 1011 or 1016 of this article affecting any person having members, subscribers or policyholders,...
California Insurance Code Section 1063
(a) Within 60 days after the original effective date of this article, all insurers, including reciprocal insurers, admitted to transact insurance in...
California Insurance Code Section 1063.1
As used in this article: (a) "Member insurer" means an insurer required to be a member of the association in accordance with subdivision (a) of...
California Insurance Code Section 1063.2
(a) The association shall pay and discharge covered claims and in connection therewith pay for or furnish loss adjustment services and defenses of...
California Insurance Code Section 1063.3
To aid in the detection and prevention of member insurer insolvencies: (a) The board may, upon majority vote, make recommendations to the...
California Insurance Code Section 1063.4
(a) Insureds entitled to the protection of this article shall cooperate with the association in accordance with their policies in the same manner as...
California Insurance Code Section 1063.5
Each time an insurer becomes insolvent then, to the extent necessary to secure funds for the association for payment of covered claims of that...
California Insurance Code Section 1063.6
All proceedings in which the insolvent insurer is a party or is obligated to defend a party in any court in the state shall, subject to waiver by the
California Insurance Code Section 1063.7
When a liquidator, domiciliary or ancillary, is appointed in this state for any member insurer, the liquidator shall promptly give notice of his or...
California Insurance Code Section 1063.8
Notwithstanding any other provision of law, the association shall be exempt from all license fees, income, franchise, privilege, property, or...
California Insurance Code Section 1063.9
(a) The operation of the association shall at all times be subject to the regulation of the commissioner. The commissioner, or any deputy or...
California Insurance Code Section 1063.10
All orders or decisions of the commissioner made pursuant to Chapter 1347, Statutes of 1969 (of which this article is a part) and the provisions...
California Insurance Code Section 1063.11
The commissioner may, upon notice and opportunity for all interested parties to be heard, issue such rules, regulations and orders as may be...
California Insurance Code Section 1063.12
(a) The association, its member insurers, and its officers, directors, agents or employees of the association, or its member insurers, shall under no
California Insurance Code Section 1063.13
No member insurer of the association shall engage in the unlawful trade practice defined and condemned in subdivision (g) of Section 790.03.
California Insurance Code Section 1063.14
(a) The plan of operation adopted pursuant to subdivision (c) of Section 1063 shall contain provisions whereby each member insurer is required to...
California Insurance Code Section 1063.145
The statement of the amount of surcharge required to be provided under subdivision (b) of Section 1063.14 shall include a description of, and purpose
California Insurance Code Section 1063.15
In any workers' compensation matter the association shall have the same period of time within which to act or to exercise a right as is accorded to...
California Insurance Code Section 1063.16
The association, to the extent it determines necessary or desirable, may request the department to issue bonds pursuant to Article 14.25 (commencing...
California Insurance Code Section 1063.17
(a) All meetings of the board of governors of the association and its investment and audit committees shall be open and public, and all persons shall
California Insurance Code Section 1063.50
The California Insurance Guarantee Association is authorized to pay and discharge certain claims of insolvent insurers as defined in Section 1063.1...
California Insurance Code Section 1063.51
(a) The terms "member insurer," "insolvent insurer," and "covered claims" have the meanings assigned those terms in Section 1063.1. (b) "CIGA"...
California Insurance Code Section 1063.52
The Insurance Assessment Bond Fund is hereby created in the State Treasury. Proceeds from the sale of bonds issued pursuant to this article and...
California Insurance Code Section 1063.53
(a) In the event a natural disaster such as an earthquake or fire results in covered claim obligations currently payable and owed by the association...
California Insurance Code Section 1063.54
Notwithstanding any other provision of law, the department, in accordance with this article and at the request of the board pursuant to Section...
California Insurance Code Section 1063.55
The bonds shall be authorized by order of the commissioner, shall be in the form, shall bear the date or dates, and shall mature at the time or times
California Insurance Code Section 1063.56
Upon receipt of an order of the commissioner authorizing the issuance of bonds, the Treasurer shall provide for their preparation in accordance with...
California Insurance Code Section 1063.57
The department may provide for the issuance of refunding bonds for the purpose of refunding any bonds then outstanding which have been issued under...
California Insurance Code Section 1063.58
Refunding bonds issued as provided in Section 1063.57 may be sold, or exchanged for outstanding bonds issued under this article and, if sold, the...
California Insurance Code Section 1063.59
The Treasurer or any other person executing the notes or bonds shall not be subject to any personal liability or accountability by reason of the...
California Insurance Code Section 1063.60
The department may issue negotiable bond anticipation notes and may refund those notes from time to time. Bond anticipation notes may be paid from...
California Insurance Code Section 1063.61
The state does hereby pledge to and agree with the holders of any bonds issued under this article that the state will not limit or alter the rights...
California Insurance Code Section 1063.62
Bonds issued under this article shall be legal investments in which all public officers and public bodies of this state, its political subdivisions,...
California Insurance Code Section 1063.63
All or any part of the revenues from the insurance assessments or from loan repayments by CIGA may be pledged by the department to secure the...
California Insurance Code Section 1063.64
The department and CIGA are each authorized to enter into those contracts or agreements with those banks, insurers, or other financial institutions...
California Insurance Code Section 1063.65
The bonds shall not be, and shall state on their face that they are not, general obligations of the department or of the state or any political...
California Insurance Code Section 1063.66
Bonds issued by the department pursuant to this article, their transfer and the income therefrom, shall be free from taxation of every kind by the...
California Insurance Code Section 1063.67
The department is authorized and empowered to employ financial consultants, advisers, legal counsel, and accountants as may be necessary in its...
California Insurance Code Section 1063.68
The provisions of Section 10295 and Sections 10335 to 10382, inclusive, of the Public Contract Code shall not apply to agreements entered into by the
California Insurance Code Section 1063.70
The California Insurance Guarantee Association is authorized to pay and discharge certain claims of insolvent insurers as defined in Section 1063.1...
California Insurance Code Section 1063.71
(a) The terms "member insurer," "insolvent insurer," and "covered claims" have the meanings assigned those terms in Section 1063.1. (b) The terms...
California Insurance Code Section 1063.72
The Workers' Comp Bond Fund is hereby created. Proceeds from the sale of bonds shall be deposited in a separate account in the Workers' Comp Bond...
California Insurance Code Section 1063.73
In the event CIGA determines that the insolvency of one or more member insurers providing workers' compensation insurance will result in covered...
California Insurance Code Section 1063.74
(a) Notwithstanding any other limits on assessments, CIGA shall have the authority to levy upon member insurers special bond assessments in the...
California Insurance Code Section 1063.75
Any bonds issued to provide funds for covered claim obligations for workers' compensation claims shall be issued prior to January 1, 2011, in an...
California Insurance Code Section 1063.76
(a) The collateral shall be used solely for the purpose of paying the principal and redemption price of, and interest on, the bonds and any amounts...
California Insurance Code Section 1063.77
CIGA is authorized to enter into those contracts or agreements with those banks, insurers, or other financial institutions or parties that it...
California Insurance Code Section 1064.1
For the purposes of this act: (a) "Insurer" means any person subject to the insurance supervisory authority of, or to liquidation,...
California Insurance Code Section 1064.2
(a) Whenever under the laws of this state a receiver is to be appointed in delinquency proceedings for an insurer domiciled in this state, the court...
California Insurance Code Section 1064.3
(a) Whenever under the laws of this state an ancillary receiver is to be appointed in delinquency proceedings for an insurer not domiciled in this...
California Insurance Code Section 1064.4
(a) In a delinquency proceeding begun in this state against an insurer domiciled in this state, claimants residing in reciprocal states may file...
California Insurance Code Section 1064.5
(a) In a delinquency proceeding in a reciprocal state against an insurer domiciled in that state, claimants against such insurer who reside within...
California Insurance Code Section 1064.6
(a) In a delinquency proceeding against an insurer domiciled in this state, claims owing to residents of ancillary states shall be preferred claims...
California Insurance Code Section 1064.7
The owners of special deposit claims against an insurer for which a receiver is appointed in this or any other state shall be given priority against
California Insurance Code Section 1064.8
The owner of a secured claim against an insurer for which a receiver has been appointed in this or any other state may surrender his or her security...
California Insurance Code Section 1064.9
During the pendency of delinquency proceedings in this or any reciprocal state, no action or proceeding in the nature of an attachment, garnishment,...
California Insurance Code Section 1064.10
The domiciliary receiver of an insurer domiciled in a reciprocal state may sue in this state to recover any assets of that insurer to which he or she
California Insurance Code Section 1064.11
If any provision of this article or the application thereof to any person or circumstances is held invalid, that invalidity shall not affect other...
California Insurance Code Section 1064.12
(a) This article may be referred to as the "Uniform Insurers Rehabilitation Act." (b) The Uniform Insurers Rehabilitation Act shall be so...
California Insurance Code Section 1064.13
(a) Upon receipt of a notice of liquidation the commissioner shall cease imposing, billing or collecting fees and assessments against the subject...
California Insurance Code Section 1065.1
Whenever the commissioner has reasonable cause to believe, and determines, after a public hearing, that any person specified in Section 1010 is...
California Insurance Code Section 1065.2
(a) Whenever it appears to the commissioner that any conduct, condition or ground set forth in Section 1065.1 exists, and that irreparable loss and...
California Insurance Code Section 1065.3
If, after hearing as provided by Section 1065.1 or subdivision (b) of Section 1065.2, any of the statements as to conduct, conditions, or grounds in...
California Insurance Code Section 1065.4
Any person subject to an order or proceeding pursuant to this article shall be entitled to judicial review of the order or proceeding by means of any
California Insurance Code Section 1065.5
If any person violates or fails to comply with any order of the commissioner or any part thereof which as to such person has become final and is...
California Insurance Code Section 1065.6
The powers vested in the commissioner by this article shall be additional to any and all other powers and remedies vested in the commissioner by law,
California Insurance Code Section 1065.7
Any order or notice of the commissioner hereunder may be served on any person, in the same manner and with the same effect as provided for in civil...
California Insurance Code Section 1067
This article shall be known and may be cited as the California Life and Health Insurance Guarantee Association Act.
California Insurance Code Section 1067.01
(a) The purpose of this article is to protect, subject to certain limitations, the persons specified in Section 1067.02 against failure in the...
California Insurance Code Section 1067.02
(a) This article shall provide coverage for the policies and contracts specified in subdivision (b) to all of the following: (1) To persons who,...
California Insurance Code Section 1067.03
This article shall be liberally construed to effect the purpose under Section 1067.01 which shall constitute an aid and guide to interpretation.
California Insurance Code Section 1067.04
As used in this article: (a) "Account" means any of the three accounts created under Section 1067.05. (b) "Association" means the California...
California Insurance Code Section 1067.05
(a) A nonprofit legal entity to be known as the California Life and Health Insurance Guarantee Association shall exist as a result of the merger of...
California Insurance Code Section 1067.055
In order to provide for the merger of the Seastrand Health Insurance Guaranty Association with and into the California Life Insurance Guaranty...
California Insurance Code Section 1067.06
(a) The board of directors of the association shall consist of not less than nine nor more than 13 member insurers serving terms as established in...
California Insurance Code Section 1067.07
(a) If a member insurer is an impaired domestic insurer, the association may, in its discretion, and subject to any conditions imposed by the...
California Insurance Code Section 1067.08
(a) For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board of directors shall assess the...
California Insurance Code Section 1067.09
(a) (1) The association shall submit to the commissioner a plan of operation and any amendments thereto necessary or suitable to assure the fair,...
California Insurance Code Section 1067.10
In addition to the duties and powers enumerated elsewhere in this article: (a) The commissioner shall do all of the following: (1) Upon request
California Insurance Code Section 1067.11
To aid in the detection and prevention of insurer insolvencies or impairments: (a) It shall be the duty of the commissioner to do the following:
California Insurance Code Section 1067.12
(a) Nothing in this article shall be construed to reduce the liability for unpaid assessments of the insureds of an impaired or insolvent insurer...
California Insurance Code Section 1067.13
The association shall be subject to examination and regulation by the commissioner. The board of directors shall submit to the commissioner, the...
California Insurance Code Section 1067.14
The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied on real...
California Insurance Code Section 1067.15
There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer or its agents or employees,...
California Insurance Code Section 1067.16
All proceedings in which the insolvent insurer is a party in any court in this state shall be stayed not less than 60 days from the date an order of...
California Insurance Code Section 1067.17
(a) No person, including an insurer, agent, or affiliate of an insurer shall make, publish, disseminate, circulate, or place before the public, or...
California Insurance Code Section 1067.18
This article shall not apply to any insurer that was declared to be insolvent or impaired, or as to which delinquency proceedings had been commenced,
California Insurance Code Section 1068
(a) As used in this section, the following definitions shall apply: (1) "Health care service plan" means any plan as defined in Section 1345 of...
California Insurance Code Section 1068.1
(a) As used in this section: (1) "Carrier" means a specialized health care service plan, and any of the following entities which offer coverage...
California Insurance Code Section 1068.2
(a) The commissioner shall have the administrative authority to assess penalties against any person, including a natural person or other entity, for...
California Insurance Code Section 1070
Any insurer, upon payment of the fees and costs therefor and surrender to the commissioner of its certificate of authority, may apply to withdraw...
California Insurance Code Section 1070.5
Whenever an admitted insurer fails to take any step necessary to maintain continuance of its certificate of authority, or whenever the certificate of
California Insurance Code Section 1070.6
The withdrawal procedure and fees prescribed by this article shall not be required of a nonsurviving admitted constituent to a merger or...
California Insurance Code Section 1071
The commissioner shall publish such application for withdrawal, daily, for one week, in each of two daily newspapers of general circulation, one...
California Insurance Code Section 1071.5
Every insurer which withdraws as an insurer, or is required to withdraw as an insurer, from this State shall, prior to such withdrawal, discharge its
California Insurance Code Section 1072
The commissioner shall make, or cause to be made by the insurance authority of the State where the insurer is organized, an examination of the books...
California Insurance Code Section 1073
Whenever any insurer withdraws from business in this State, and whenever for any reason the commissioner revokes or cancels the certificate of...
California Insurance Code Section 1074
Upon the failure of such insurer to pay the expense of such advertising within thirty days after the presentation of the bill therefor, the...
California Insurance Code Section 1076
The withdrawing insurer shall pay to the commissioner a fee of five hundred ninety dollars ($590) for all services and expenses in connection with...
California Insurance Code Section 1077
As used in this article: (a) "Insurer" means and includes every person engaged as indemnitor, surety, or contractor in the business of entering...
California Insurance Code Section 1077.1
The provisions of the article shall apply to all of the following: (a) All domestic life or disability insurers, except the State Compensation...
California Insurance Code Section 1077.2
(a) An insurer may be subject to administrative supervision by the commissioner if, upon examination or at any other time it appears in the...
California Insurance Code Section 1077.3
(a) Notwithstanding any other provision of law, and except as set forth in this section, proceedings, hearings, notices, correspondence, reports,...
California Insurance Code Section 1077.4
During the period of supervision, the commissioner or his or her designated appointee shall serve as the administrative supervisor. The commissioner
California Insurance Code Section 1077.5
During the period of supervision the insurer may contest an action taken or proposed to be taken by the supervisor specifying the manner wherein the...
California Insurance Code Section 1077.6
Nothing contained in this article shall preclude the commissioner from initiating judicial proceedings to place an insurer in conservation,...
California Insurance Code Section 1077.7
The commissioner may adopt reasonable rules necessary for the implementation of this article.
California Insurance Code Section 1077.8
Notwithstanding any other provision of law, the commissioner may meet with a supervisor appointed under this article and with the attorney or other...
California Insurance Code Section 1077.9
There shall be no liability on the part of, and no cause of action of any nature shall arise against, the commissioner or the department or its...
California Insurance Code Section 1077.95
The authority granted pursuant to this article is in addition to, and not in lieu of, any other provision of this code.
California Insurance Code Section 1080
Any domestic incorporated mutual life insurer or disability insurer or life and disability insurer issuing nonassessable policies on a reserve basis...
California Insurance Code Section 1090
An insurer which is insolvent, retiring from business in this state other than by merger or consolidation into an admitted insurer with the...
California Insurance Code Section 1091
The retiring insurer shall pay to the commissioner a fee of seven hundred fifty dollars ($750) for filing the documents initiating approval...
California Insurance Code Section 1100
In this state, all investments and deposits of the assets of an insurer, all purchases on behalf of an insurer, and all sales made of the property...
California Insurance Code Section 1100.1
Every admitted incorporated insurer may under a certificate of authority issued pursuant to the provisions of Article 3 (commencing with Section...
California Insurance Code Section 1101
(a) An admitted insurer's officers, directors, trustees and any persons who have authority in the management of the insurer's funds, shall not,...
California Insurance Code Section 1101.1
An officer, excluding a director who holds no other office, or employee of an admitted insurer shall not receive any money or valuable thing directly
California Insurance Code Section 1102
The financial obligation of any officer, director, trustee, or other person having authority in the management of an insurer's funds shall not be...
California Insurance Code Section 1103
Whenever an insurer is injured or made to suffer loss by reason of any violation of the provisions of sections 1101, 1102 or 1104, such insurer may...
California Insurance Code Section 1104
An admitted insurer shall not make any loan, other than a policy loan, to any officer, director, trustee or other person having authority in the...
California Insurance Code Section 1104.1
The commissioner may from time to time require any domestic admitted insurer to report to him, in such detail as he may prescribe, the moneys and...
California Insurance Code Section 1104.2
Every person who is directly or indirectly the beneficial owner of more than 10 percent of any class of stock of a domestic insurer or who is a...
California Insurance Code Section 1104.3
For the purpose of preventing the unfair use of information which may have been obtained by any beneficial owner of an insurer, or director or...
California Insurance Code Section 1104.4
It shall be unlawful for any beneficial owner of an insurer, or director or officer thereof, described in Section 1104.2, to, directly or indirectly,
California Insurance Code Section 1104.5
The provisions of Section 1104.3 shall not apply to any purchase and sale, or sale and purchase, and the provisions of Section 1104.4 shall not apply
California Insurance Code Section 1104.6
The provisions of Sections 1104.2, 1104.3, and 1104.4 shall not apply to foreign or domestic arbitrage transactions unless made in contravention of...
California Insurance Code Section 1104.7
The term "stock" as it is used in Sections 1104.2, 1104.3, 1104.4, 1104.5 and 1104.8 means any stock or similar security, or any security,...
California Insurance Code Section 1104.8
The provisions of Sections 1104.2, 1104.3, and 1104.4 shall not apply to a domestic insurer if: (a) Its stock shall be registered, or shall be...
California Insurance Code Section 1104.9
(a) (1) As used in this section, "qualified custodian" means: (A) commercial banks (as defined in Section 105 of the Financial Code), savings and...
California Insurance Code Section 1105
This article shall not prevent: (a) The purchase by any person of any asset which the commissioner requires to be sold, at a price approved by the
California Insurance Code Section 1106
Any person violating, or wilfully aiding another in the violation of, Sections 1101, 1101.1, 1102, 1103, 1104 or the commissioner's order issued...
California Insurance Code Section 1107
In accordance with either subdivision (e) of Section 1001 or Section 1101.1 of the Corporations Code, an insurer may apply for the insurance...
California Insurance Code Section 1107.1
The commissioner shall require the payment of two hundred fifty dollars ($250) in lawful money of the United States as fee for the determination...
California Insurance Code Section 1110
This article does not apply to combination automobile insurance policies in which one insurer issues a policy covering certain classes of insurance...
California Insurance Code Section 1111
Insurers desiring to issue policies to which this article is applicable, and to pay commissions to persons who are licensed as insurance agents, but...
California Insurance Code Section 1112
Within 10 days after the withdrawal of an insurer from the plan or from the time additional insurers participate in the plan, notice of the change...
California Insurance Code Section 1113
For filing application for a permit issued pursuant to this article, the commissioner shall charge and collect the sum of forty-four dollars ($44).
California Insurance Code Section 1140
Except as otherwise provided in this code, incorporated insurers are subject to the provisions of the general corporation law in like manner with...
California Insurance Code Section 1140.1
(a) A domestic incorporated life insurer may be organized under the Nonprofit Mutual Benefit Corporation Law. With the prior consent of the...
California Insurance Code Section 1140.5
(a) Notwithstanding any other provision of law, a copy of every form of proxy or written consent or authorization for use at any meeting or...
California Insurance Code Section 1141
No director, trustee, officer or agent of any insurer shall be subject to personal liability by reason of any payment or any determination not to...
California Insurance Code Section 1142
In situations of hardship, financial embarrassment or where other good cause is shown the commissioner may, in his discretion, by written order,...
California Insurance Code Section 1152
(a) Domestic incorporated stock insurers, except those governed by Sections 10530, 12373, and 12640.06, shall be governed by the provisions of this...
California Insurance Code Section 1153
An insurer shall not be admitted within three years from and after the time when it commences business as an insurer, nor within three years from and
California Insurance Code Section 1153.5
An admitted insurer which has been in business as an insurer less than three years from and after the time when it commenced business as an insurer...
California Insurance Code Section 1154
After the period specified in Sections 1153 and 1153.5, the requirements of those sections shall no longer be applicable to any insurer specified...
California Insurance Code Section 1155
An insurer, within such limits as may be set by the board of directors, may contribute to community funds or to charitable, philanthropic, or...
California Insurance Code Section 1170
Domestic incorporated insurers may invest their assets in the purchase of any of the securities specified in this article, or in loans upon such...
California Insurance Code Section 1171
Such insurers may invest in obligations of the United States or obligations for which the faith and credit of the United States are pledged for...
California Insurance Code Section 1171.5
Such insurers may invest in obligations of the United States Postal Service.
California Insurance Code Section 1172
Such insurers may invest in obligations of the Dominion of Canada, or the Commonwealth of Puerto Rico, or of any province of the Dominion of Canada,...
California Insurance Code Section 1173
Such insurers may invest in obligations issued under authority of law by any county, municipality, or school district in this State or in any other...
California Insurance Code Section 1174
Such insurers may invest in obligations of this State or those for which the faith and credit of this State are pledged for the payment of principal...
California Insurance Code Section 1175
Such insurers may invest in bonds of any permanent road division in this state, or any district organized under the laws of this state, when such...
California Insurance Code Section 1175.5
Such insurers may invest in bonds of any county water district operating under Division 12 of the Water Code.
California Insurance Code Section 1176.5
Such insurers may make, invest in or purchase loans which are guaranteed by the United States or any agency thereof pursuant to the provisions of the
California Insurance Code Section 1176.6
None of the provisions of the Insurance Code limiting or restricting loans by insurers or prescribing the security therefor shall apply to any loans...
California Insurance Code Section 1177
Such insurers may invest in notes or bonds secured by mortgage guaranteed as to payment by a policy of mortgage insurance, and mortgage participation
California Insurance Code Section 1178
Such insurers may invest in collateral trust bonds or notes, secured by any of the following: (a) A deposit of obligations authorized for...
California Insurance Code Section 1179
Such insurers may invest in farm loan bonds, consolidated farm loan bonds, collateral trust debentures, consolidated debentures, or other obligations
California Insurance Code Section 1180
Such insurers may invest in bonds issued under the "Home Owners' Loan Act of 1933"; bonds, debentures and notes issued by any federal home loan bank,
California Insurance Code Section 1181
Such insurers may also invest in registered warrants of this State, issued pursuant to law.
California Insurance Code Section 1182
Domestic incorporated insurers may invest in an account or accounts in one or more banks or savings and loan associations to the extent the account...
California Insurance Code Section 1185
(a) Every domestic incorporated insurer shall file a report with the commissioner disclosing material acquisitions and dispositions of assets or...
California Insurance Code Section 1186
(a) No acquisitions or dispositions of assets shall be reported pursuant to Section 1185 if the acquisitions or dispositions are not material. For...
California Insurance Code Section 1187
(a) No nonrenewals, cancellations, or revisions of ceded reinsurance agreements shall be reported pursuant to Section 1185 if the nonrenewals,...
California Insurance Code Section 1190
Any domestic incorporated insurer, which maintains in cash on hand or on deposit in a national or state bank, or in securities specified in Article 3
California Insurance Code Section 1191
Excess funds investments may be made in the stock of any corporation organized and carrying on business under the laws of this or any other state, or
California Insurance Code Section 1191.1
Excess fund investments may be made in the purchase and sale of exchange traded call options on common stock pursuant to this section. An insurer...
California Insurance Code Section 1191.5
(a) Excess fund investments may be made by a domestic life insurer having admitted assets aggregating in value not less than one hundred million...
California Insurance Code Section 1192
Excess funds investments may be made in: (a) Interest-bearing obligations issued by a nonaffiliate institution, as defined in paragraph (5) of...
California Insurance Code Section 1192.1
Excess funds investments may be made in bonds, notes or other obligations issued, assumed or guaranteed by the International Bank for Reconstruction...
California Insurance Code Section 1192.2
An insurer may lend on the security of a first lien on an unencumbered leasehold on real property if: (a) The real property subject to the...
California Insurance Code Section 1192.3
Excess fund investments may be made by a life insurer having admitted assets aggregating in value not less than two hundred million dollars...
California Insurance Code Section 1192.4
No domestic insurer shall have more than 10 percent of its capital and surplus invested in stock of corporations organized under the laws of the...
California Insurance Code Section 1192.5
Excess funds investments may be made in all deposits and debt obligations of banks or savings and loan associations whose accounts are insured by an...
California Insurance Code Section 1192.6
(a) An insurer, except an insurer authorized to transact mortgage guaranty insurance as defined in Section 119, may invest in a mortgage,...
California Insurance Code Section 1192.7
(a) A domestic insurer having admitted assets aggregating in value not less than one hundred million dollars ($100,000,000) may make excess funds...
California Insurance Code Section 1192.8
(a) A domestic life insurer having admitted assets aggregating in value not less than one hundred million dollars ($100,000,000) may make excess fund
California Insurance Code Section 1192.9
Notwithstanding Section 1100, a domestic insurer may make excess funds investments in shares of an investment company, as defined in the Federal...
California Insurance Code Section 1192.95
(a) Notwithstanding Section 1100, an insurer may make excess funds investments in investment pools and cash management pools established pursuant to...
California Insurance Code Section 1192.10
(a) Excess funds investments may be made in securities evidencing an undivided interest in, the right to receive payments from, or payable primarily...
California Insurance Code Section 1193
Excess funds investments may be made in bonds of any permanent road division, or any district of any state when such bonds are legal investments for...
California Insurance Code Section 1194
Excess funds investments may be made in bonds issued by any county, municipality, or school district in this State to represent assessments for local
California Insurance Code Section 1194.1
Excess funds investments may be made in bonds issued pursuant to the Improvement Bond Act of 1915.
California Insurance Code Section 1194.5
Excess funds investments may be made in any debt obligation issued by the United States, a federal agency or entity authorized to issue debt...
California Insurance Code Section 1194.6
(a) Excess funds investments may be made by an insurer in bonds, notes, or other evidences of indebtedness payable in United States dollars, and...
California Insurance Code Section 1194.7
Excess funds investments may be made in the stock of a Federal home loan bank. Any domestic incorporated insurer investing in the stock of a Federal...
California Insurance Code Section 1194.8
(a) Excess fund investments may be made by a domestic insurer in real estate and leases thereof and in making improvements thereon for business or...
California Insurance Code Section 1194.81
Domestic incorporated insurers may invest in notes or bonds secured by a mortgage or other first lien upon unencumbered real property meeting the...
California Insurance Code Section 1194.82
(a) An insurer may invest in notes or bonds secured by second mortgages or other second liens, including all inclusive or wraparound mortgages or...
California Insurance Code Section 1194.85
In any case in which a domestic insurer has requested the approval of the commissioner to make the investments specified in subdivision (a) or (c) of
California Insurance Code Section 1194.86
Every admitted incorporated insurer may purchase, hold, or convey real estate only for the following purposes and in the following manner: (a) The
California Insurance Code Section 1194.87
If, after a hearing, the commissioner is satisfied that an insurer is carrying upon its books any parcel or parcels of real estate at values...
California Insurance Code Section 1194.88
Every admitted incorporated insurer may, for the protection or enhancement of the value of real property acquired under the provisions of Section...
California Insurance Code Section 1194.9
If the commissioner shall decide, after due notice and hearing that the interest of any company having real estate acquired pursuant to the...
California Insurance Code Section 1194.95
Excess funds investments may be made in an electronic computer or data processing machine or system to be used in connection with the business of the
California Insurance Code Section 1195
This article does not authorize investments in any obligation unless the obligation is interest or income-bearing or dividend-paying. An...
California Insurance Code Section 1196
Excess funds investments shall not be made in any stock or obligation unless: (a) The stock or obligation qualifies as a sound investment. (b)...
California Insurance Code Section 1196.1
(a) No domestic insurer shall acquire, directly or indirectly, any medium grade or lower grade obligation of any institution if, after giving effect...
California Insurance Code Section 1197
Excess funds investments shall not be made in a loan to any one borrower, including all affiliates which shall be treated as one borrower, in an...
California Insurance Code Section 1198
Excess funds investments shall not be made in purchases of or loans upon shares of the capital stock of any one corporation in an amount exceeding 10
California Insurance Code Section 1199
No domestic incorporated fire, life or marine insurer shall make excess funds investments in purchases of, or loans upon, more than 30 percent of the
California Insurance Code Section 1200
An excess funds investment shall not be made unless authorized or approved by the directors of the investor or by a committee thereof charged with...
California Insurance Code Section 1201
The entry of approval shall show: (a) The fact of making such investment. (b) The amount thereof. (c) The name of each director voting to...
California Insurance Code Section 1202
The commissioner may, in his discretion and after hearing, by written order require the disposal of any investments made in violation of the...
California Insurance Code Section 1210
(a) Any domestic incorporated insurer, after investing an amount equal to its required minimum paid-in capital in securities specified in Article 3...
California Insurance Code Section 1211
(a) For the purposes of this section the following definitions shall apply: (1) "Aggregate counterparty exposure" means the sum of the aggregate...
California Insurance Code Section 1212
(a) Any domestic incorporated insurer having aggregate capital and surplus as of the preceding December 31 of at least twenty-five million dollars...
California Insurance Code Section 1215
As used in this article, the following terms shall have the respective meanings hereinafter set forth, unless the context shall otherwise require:
California Insurance Code Section 1215.1
(a) Any domestic insurer, either by itself or in cooperation with one or more persons, may organize or acquire one or more subsidiaries subject to...
California Insurance Code Section 1215.2
(a) No person shall make a tender offer for, or a request or invitation for tenders of, or enter into an agreement to exchange securities for or...
California Insurance Code Section 1215.3
The following shall be violations of this article: (a) The failure to file the statement required under subdivision (a) of Section 1215.2. (b)...
California Insurance Code Section 1215.4
(a) Every insurer that is authorized to do business in this state and that is a member of an insurance holding company system shall register with the
California Insurance Code Section 1215.5
(a) Transactions by registered insurers with their affiliates are subject to the following standards: (1) The terms shall be fair and reasonable.
California Insurance Code Section 1215.6
(a) Subject to the limitation contained in this section, and in addition to the powers which the commissioner has under Article 4 (commencing with...
California Insurance Code Section 1215.7
All information, documents and copies thereof obtained by or disclosed to the commissioner or any other person in the course of an examination or...
California Insurance Code Section 1215.8
The commissioner may, upon notice and opportunity for all interested persons to be heard, issue such rules, regulations, and orders as shall be...
California Insurance Code Section 1215.9
(a) Whenever it appears to the commissioner that any insurer or any director, officer, employee, or agent thereof has committed or is about to commit
California Insurance Code Section 1215.10
(a) Any insurer that fails to file a statement, report, or request for approval required by this article in a timely manner shall be subject to the...
California Insurance Code Section 1215.11
Whenever it appears to the commissioner that any person has committed a violation of this article which so impairs the financial condition of a...
California Insurance Code Section 1215.12
Whenever it appears to the commissioner that any person has committed a violation of this article which makes the continued operation of an insurer...
California Insurance Code Section 1215.13
(a) For the purposes of this article only, every foreign insurer, except an insurer described in Article 2 (commencing with Section 12350) of Chapter
California Insurance Code Section 1215.14
All laws and parts of laws of this state inconsistent with this article are hereby superseded with respect to matters covered by this article.
California Insurance Code Section 1215.15
If any provision of this article or the application thereof to any person or circumstance is held invalid, the invalidity shall not affect other...
California Insurance Code Section 1215.16
(a) If an order for liquidation or rehabilitation of a domestic insurer has been entered, the receiver appointed under that order shall have a right...
California Insurance Code Section 1216
This article may be cited as the Business Transacted with Producer Controlled Insurer Act.
California Insurance Code Section 1216.1
As used in this article, the following terms have the following meanings: (a) "Accredited state" means a state in which the insurance department...
California Insurance Code Section 1216.2
This article shall apply to insurers as defined in subdivision (e) of Section 1216.1, either domiciled in this state or domiciled in a state that is...
California Insurance Code Section 1216.3
(a) (1) The provisions of this section shall apply if, in any calendar year, the aggregate amount of gross written premium of business placed with a...
California Insurance Code Section 1216.4
The controlling producer shall, prior to the effective date of the policy, deliver written notice to the prospective insured disclosing the...
California Insurance Code Section 1216.5
(a) (1) If the commissioner believes that the controlling producer or any other person has not materially complied with this article, or any...
California Insurance Code Section 1216.6
Controlled insurers and controlling producers who are not in compliance with Section 1216.3 of this act on its effective date shall have 60 days to...
California Insurance Code Section 1220
Domestic incorporated life insurers may also invest any funds in loans upon any of their own policies in an amount not exceeding the reserve against...
California Insurance Code Section 1221
The amount thus loaned by an insurer upon its own policies shall be credited to the insurer in determining the amount of deposit required to comply...
California Insurance Code Section 1230
The Legislature declares that the purpose of this article is to establish guidelines for life insurers to use in life insurance policies which...
California Insurance Code Section 1231
For the purposes of this article the "published monthly average" means: (a) Moody's Corporate Bond Yield Average-Monthly Average Corporates as...
California Insurance Code Section 1232
(a) Policies issued on or after the effective date of this article shall provide for policy loan interest rates at either of the following rates: ...
California Insurance Code Section 1233
If the maximum rate of interest is determined pursuant to paragraph (2) of subdivision (a) of Section 1232, the policy shall contain a provision...
California Insurance Code Section 1234
The maximum rate for each policy shall be determined at regular intervals at least once every 12 months, but not more frequently than once in any...
California Insurance Code Section 1235
The life insurer shall do all of the following: (1) Notify the policyholder at the time a cash loan is made of the initial rate of interest on the
California Insurance Code Section 1236
The loan value of the policy shall be equivalent to the cash surrender value of the policy, the minimum requirements of which are specified in...
California Insurance Code Section 1237
The substance of the pertinent provisions of Section 1232 and 1233 shall be set forth in the policies to which the provisions apply.
California Insurance Code Section 1238
For the purposes of this section: (1) The rate of interest on policy loans permitted under this section includes the interest rate charged on...
California Insurance Code Section 1239
No other provision of law shall apply to policy loan interest rates unless made specifically applicable to these rates.
California Insurance Code Section 1239.5
The provisions of this article shall not apply to any insurance contract issued before the effective date of this article unless the policyholder...
California Insurance Code Section 1240
The following definitions shall apply in this article: (a) "Foreign currency" means a currency other than that of the United States. (b)...
California Insurance Code Section 1241
(a) Subject to the limitation in Section 1242, and except for those foreign investments permitted under Section 1192.95, a domestic insurer may...
California Insurance Code Section 1241.1
(a) No domestic insurer shall acquire any investment respecting a foreign jurisdiction, or any investment denominated in the currency of that foreign
California Insurance Code Section 1242
(a) (1) Except as otherwise specified in Section 1241, a domestic insurer shall not acquire directly or indirectly through an investment subsidiary,...
California Insurance Code Section 1250
When any domestic incorporated insurer has, pursuant to the laws of this State, invested any of its funds in purchases of, or loans upon, the stock...
California Insurance Code Section 1251
A stock, bond or other evidence of debt if in default as to principal or interest, or if not amply secured, shall not be valued as an asset of the...
California Insurance Code Section 1252
All bonds or other evidences of debt held by an admitted incorporated insurer if amply secured and if not in default as to principal or interest may,
California Insurance Code Section 1253
Any such insurer may report such bonds or other evidence of debt at market value or book value, but in no event at an aggregate value exceeding the...
California Insurance Code Section 1254
Any asset of an insurer which is found by the commissioner to be insolvent or threatened with insolvency shall be reduced in value, if necessary, to...
California Insurance Code Section 1260
Incorporated insurers or reciprocal insurers who are members of what is commonly known as a "group" or "fleet" may enter into reinsurance...
California Insurance Code Section 1280
This chapter shall not in any way affect the rights, duties, or obligations of members of or subscribers at any reciprocal or interinsurance exchange
California Insurance Code Section 1280.5
This chapter and the other provisions of this code shall not apply to nor affect unincorporated interindemnity or reciprocal or interinsurance...
California Insurance Code Section 1280.7
This chapter and the other provisions of this code, except as set forth in this paragraph, shall not apply to or affect unincorporated interindemnity
California Insurance Code Section 1281
Reciprocal or interinsurance contracts, the exchange thereof, the subscribers, attorneys in fact, agents, and representatives, and all matters...
California Insurance Code Section 1282
(a) The following provisions of this code shall not be applicable to reciprocal or interinsurance exchanges and their contracts, subscribers,...
California Insurance Code Section 1283
The provisions of Part 7, Division 2 of the Revenue and Taxation Code shall be applicable to reciprocal or interinsurance exchanges.
California Insurance Code Section 1284
Notwithstanding any other provision of this chapter or of this code, any reciprocal or interinsurance exchange which meets all of the conditions of...
California Insurance Code Section 1300
Any persons may exchange reciprocal or interinsurance contracts with one another providing insurance, other than life, title, mortgage, mortgage...
California Insurance Code Section 1301
Such persons are termed subscribers.
California Insurance Code Section 1302
Any domestic corporation, in addition to the rights, powers and franchises specified in its articles of incorporation, has full power and authority...
California Insurance Code Section 1303
The organization under which such subscribers so exchange contracts is termed a reciprocal or interinsurance exchange, and shall be deemed the...
California Insurance Code Section 1305
Such contracts may be executed by an attorney-in-fact, agent or other representative duly authorized and acting for such subscribers under powers of...
California Insurance Code Section 1306
The principal office of the attorney shall be maintained at a place designated by the subscribers in the power of attorney.
California Insurance Code Section 1307
The power of attorney and contracts made thereunder may: (a) Provide for the right of substitution of attorney and revocation of the contract or...
California Insurance Code Section 1308
The body exercising the subscribers' rights shall be selected under such rules as the subscribers adopt. It shall supervise the finances of the...
California Insurance Code Section 1309
Such body shall have authority to procure the audit of the accounts and records of the exchange and of the attorney-in-fact, at the expense of the...
California Insurance Code Section 1310
Such body shall be composed of subscribers or agents of subscribers. Not more than one-third of the members serving on such body shall be agents,...
California Insurance Code Section 1310.1
The board of a reciprocal or interinsurance exchange operating pursuant to Section 1284 shall be composed of members of the governing board of the...
California Insurance Code Section 1311
A reciprocal or interinsurance exchange may engage in the surety insurance business in this state only provided its surplus is at least twice the...
California Insurance Code Section 1312
(a) Any reciprocal or interinsurance exchange, domestic or foreign, which has obtained a certificate of capability to reinsure or a favorable order...
California Insurance Code Section 1313
Nothing in Chapter 504 of the Statutes of 1965 shall limit or affect the right of an admitted foreign reciprocal or interinsurance exchange to accept
California Insurance Code Section 1314
Any reciprocal or interinsurance exchange, domestic or foreign, which has obtained a certificate of surplus under Section 1401, and whose subscribers
California Insurance Code Section 1315
A reciprocal exchange or interinsurance exchange may borrow money to defray the expenses of its organization, provide it with surplus funds, or for...
California Insurance Code Section 1320
The attorney of every admitted reciprocal or interinsurance exchange shall verify and cause to be filed with the commissioner copies of the following
California Insurance Code Section 1321
If the name of the exchange does not contain either the words "interinsurance," "reciprocal" or "exchange," then such forms shall have printed under...
California Insurance Code Section 1322
The attorney prior to admission shall file with the commissioner a declaration verified by his oath or, where such attorney is a corporation, by the...
California Insurance Code Section 1323
Concurrently with the filing of the declaration provided for by the terms of section 1322 the attorney shall file with the commissioner an instrument
California Insurance Code Section 1324
Except as provided in Section 1330, the attorney, concurrently with the filing of the declaration provided for in Section 1322, also shall file with...
California Insurance Code Section 1325
Such bond shall be executed by the attorney with an admitted surety insurer as surety.
California Insurance Code Section 1325.5
Such attorney may deposit with the commissioner, in lieu of the bond executed by him, securities of a value equal to the required amount of the bond...
California Insurance Code Section 1326
The attorney's bond shall be in the penal sum of fifty thousand dollars ($50,000), conditioned that the attorney will faithfully account for all...
California Insurance Code Section 1327
The attorney's bond may be sued upon in one and the same action either by any subscriber or any number of subscribers suffering loss through a...
California Insurance Code Section 1328
Any amount recovered on the attorney's bond shall be deposited in and become a part of the funds of the exchange.
California Insurance Code Section 1329
Where provision is made, by the power of attorney executed by the subscribers or the rules adopted by the exchange, for the bonding of the...
California Insurance Code Section 1330
Where the home office of an exchange is located outside of this State and the attorney files such a bond in the home State, there may be filed with...
California Insurance Code Section 1350
The commissioner shall issue a certificate of authority to the attorney upon compliance with the requirements of this chapter, and the payment of the
California Insurance Code Section 1350.5
In the event of substitution of attorney or a change in any of the matters specified in the certificate of authority pursuant to Section 1350, the...
California Insurance Code Section 1370
Every exchange shall maintain its required assets in any one, or more, or all of the following forms: (a) In cash or deposits in solvent banks.
California Insurance Code Section 1370.2
Except as in this article (commencing with Section 1370) otherwise provides, every exchange subject to this chapter (commencing with Section 1280)...
California Insurance Code Section 1370.4
An exchange admitted prior to October 1, 1961, shall be exempt from the provisions of Section 1370.2 until it replaces its attorney in fact, except...
California Insurance Code Section 1370.8
Any exchange exempted at any time from the provisions of Section 1370. 2 shall irrespective of such exemption be subject to the provisions of this...
California Insurance Code Section 1371
If an exchange does either liability or workmen's compensation insurance, it shall at all times maintain assets in a sum sufficient to discharge all...
California Insurance Code Section 1372
Every other exchange shall maintain at all times assets in a sum sufficient to discharge all liabilities and to provide a surplus over all...
California Insurance Code Section 1373.1
No certificate of authority, other than a renewal certificate of authority, shall be issued to the attorney within three years from and after the...
California Insurance Code Section 1373.2
(a) Except as provided in subsection (b) hereof, an exchange, the attorney for which holds a certificate of authority, which has been in business as...
California Insurance Code Section 1374
In estimating the financial condition of any exchange the commissioner shall observe the following rules: (a) He or she shall charge as...
California Insurance Code Section 1374.1
(a) "Surplus deposits of subscribers," as used in this chapter, means amounts, over and above any premium charges, which are contributed by...
California Insurance Code Section 1375
Where the subscribers are grouped by industries or otherwise under any ruling or agreement which exempts the funds of one group from liability in...
California Insurance Code Section 1390
The provisions of this article shall apply only to exchanges writing liability, common carrier liability or workmen's compensation insurance, except...
California Insurance Code Section 1391
Whenever an exchange subject to this article, is not possessed of admitted assets sufficient to discharge all liabilities and to maintain the...
California Insurance Code Section 1392
Except as provided by Sections 1397, 1398, 1400 and 1401, every subscriber of an exchange subject to this article shall be liable to pay, and shall...
California Insurance Code Section 1393
Each such subscriber's share of the deficiency for which an assessment is made pursuant to this article, shall be determined by applying to the...
California Insurance Code Section 1394
Subscribers liable to assessment under this article shall pay the same without offsetting any claim for unearned premiums or losses payable to or for
California Insurance Code Section 1395
Assessments under this article shall be made upon the members liable to assessment therefor, in proportion to their several liabilities.
California Insurance Code Section 1396
Notice of all such proposed assessments shall be filed with the commissioner and the assessments shall not take effect until approved by him after...
California Insurance Code Section 1397
Assessments under this article, whether levied by the attorney, or the commissioner in the liquidation of such an exchange or otherwise, shall be of...
California Insurance Code Section 1398
The power of attorney of an exchange subject to this article may limit the contingent liability of the subscriber for assessment, but such contingent
California Insurance Code Section 1399
Each subscriber to an exchange subject to this article may maintain with the exchange, in addition to the premium deposit provided in the policy, a...
California Insurance Code Section 1400
Each such subscriber maintaining a surplus deposit equal to, and in addition to, the amount of the total current annual premium deposit provided in...
California Insurance Code Section 1401
If an exchange has a surplus of admitted assets over all liabilities in a sum equal to 11/2 times the minimum paid-in capital required of...
California Insurance Code Section 1401.5
(a) When the commissioner finds after a public hearing that a reciprocal or interinsurance exchange has at all times during any consecutive five-year
California Insurance Code Section 1402
All funds of such exchange and the proceeds of the contingent liability of its subscribers shall be available for the payment of any liability of the
California Insurance Code Section 1420
Savings or credits may be returned to the subscribers irrespective of the source from which such savings or credits accrue whenever such returns do...
California Insurance Code Section 1430
The attorney shall make a report, under oath, to the commissioner covering each calendar year. Such report shall be made annually during the time...
California Insurance Code Section 1431
The assets, business affairs and records of every exchange and its attorney shall be subject to examination by the commissioner at any reasonable...
California Insurance Code Section 1432
The commissioner has: (a) The right of examination of and supervision over reciprocal or interinsurance exchanges, their attorneys, agents and...
California Insurance Code Section 1433
The commissioner's right of examination shall include the right to examine the records containing the names and addresses of the subscribers. Any...
California Insurance Code Section 1434
Where the principal office of the attorney is located in another State, the commissioner, in lieu of examination may accept a certified copy of the...
California Insurance Code Section 1450
The exchange may sue or be sued in its own name as in the case of an individual. Any judgment rendered against the exchange shall be binding upon...
California Insurance Code Section 1451
No action shall lie against any subscriber, upon any obligation made or incurred in the name of the exchange, until a final judgment has been...
California Insurance Code Section 1452
Process may be served upon the commissioner as provided in Article 1 (commencing with Section 12919) of Chapter 2 of Division 3.
California Insurance Code Section 1453
A judgment rendered in any case where service of process has been made on the commissioner shall be binding against the subscribers as their...
California Insurance Code Section 1470
In any form of policy prescribed by this code, the attorney may insert provisions or conditions required by the plan of reciprocal or interinsurance...
California Insurance Code Section 1500
The provisions of this code regarding the appointment, licensing, qualification and regulation of insurance agents, brokers and solicitors, apply...
California Insurance Code Section 1510
Any attorney-in-fact or representative of such an attorney who exchanges, or solicits or negotiates the exchange of, any contracts of insurance of...
California Insurance Code Section 1511
For the purpose of organization, and upon issuance of permit by the commissioner, powers of attorney and applications for such policies may be...
California Insurance Code Section 1512
In addition to the foregoing penalties and where not otherwise provided, the penalty for failure or refusal to comply with any or all of the...
California Insurance Code Section 1530
In lieu of all other taxes, licenses or fees whatever, state or local, each exchange and its corporate attorney in fact considered as a single unit...
California Insurance Code Section 1531
(a) On and after January 1, 1994, and before January 1, 1995, every exchange and its corporate attorney in fact that is considered a single unit...
California Insurance Code Section 1540
Any two or more domestic reciprocal insurers, upon affirmative vote of not less than two-thirds of the subscribers of each such insurer who vote on...
California Insurance Code Section 1550
This article shall apply only to domestic reciprocal insurers organized after 1974 to provide medical malpractice insurance.
California Insurance Code Section 1551
By following the procedure specified in this article, any domestic reciprocal insurer described in this article may merge, consolidate, or otherwise...
California Insurance Code Section 1552
The plan and agreement by which the transaction is to be effected shall be submitted to the commissioner, who shall examine it and require those...
California Insurance Code Section 1553
When the plan and agreement has been approved by the commissioner, with any changes required by him or her, it shall require the approval of each...
California Insurance Code Section 1554
If one of the insurers that is a party to the transaction is a domestic incorporated insurer, Section 1109 of the Corporations Code shall apply if...
California Insurance Code Section 1555
(a) If the vote is in the affirmative, a certified copy of all proceedings relating to the proposed transaction shall be filed with the commissioner.
California Insurance Code Section 1556
(a) If the surviving entity is a domestic incorporated insurer in a merger in which a domestic reciprocal insurer is a constituent party, after...
California Insurance Code Section 1557
(a) Any plan of merger, consolidation, or other unification under this article shall provide that all rights and properties of the parties to the...
California Insurance Code Section 1558
In the event a domestic reciprocal insurer is merged, is consolidated, or is part of a reorganization pursuant to the procedures specified in this...
California Insurance Code Section 1559
(a) For all purposes for a merger in which the surviving entity is a domestic reciprocal insurer and a domestic incorporated insurer is not a...
California Insurance Code Section 1560
This article shall apply only to domestic reciprocal insurers organized after 1974 to provide medical malpractice insurance.
California Insurance Code Section 1560.01
By following the procedure specified in this article, any domestic reciprocal insurer described in Section 1560 may be converted into an incorporated
California Insurance Code Section 1560.02
The definitions in this section apply to the following terms when used in this article: (a) "Adoption date" means the date the governing body...
California Insurance Code Section 1560.03
A plan of conversion adopted by a domestic reciprocal insurer for the establishment of a reciprocal holding company shall provide that the domestic...
California Insurance Code Section 1560.05
(a) The commissioner shall examine the plan submitted pursuant to Section 1560.03. As a part of the examination the commissioner shall order a...
California Insurance Code Section 1560.06
The meeting of subscribers prescribed by subdivision (c) of Section 1560.03 shall be called by the governing board, the chairperson of the board, or...
California Insurance Code Section 1560.07
Nothing in this article shall be deemed to prohibit the inclusion in the plan of conversion of provisions under which the insurer's officers,...
California Insurance Code Section 1560.08
No director, officer, agent, or employee of the domestic reciprocal insurer shall receive any fee, commission, or other valuable consideration...
California Insurance Code Section 1560.09
At any time before that plan of conversion becomes effective, the domestic reciprocal company may, by resolution of at least two-thirds of the...
California Insurance Code Section 1560.10
Upon consent by the commissioner to the plan of conversion of a domestic reciprocal insurer and filing of the plan of conversion in accordance with...
California Insurance Code Section 1560.11
(a) Upon the effective date of a plan of conversion in accordance with Section 1560.10, the domestic reciprocal insurer immediately becomes a stock...
California Insurance Code Section 1560.12
Prior to, and for a period of five years following, the effective date of the plan of conversion, no person or group of persons acting in concert...
California Insurance Code Section 1560.13
Unless otherwise provided in the plan of conversion, the governing body and officers of the domestic reciprocal insurer shall serve as directors and...
California Insurance Code Section 1560.14
(a) Notwithstanding any other provision of law and except as otherwise provided in subdivision (b), actions concerning any plan of conversion,...
California Insurance Code Section 1560.15
The offer or sale of securities issued pursuant to the plan of conversion developed and approved in accordance with the provisions of this article,...
California Insurance Code Section 1560.16
The commissioner shall have the authority from time to time, to make, amend, and rescind any rules and regulations necessary to carry out the...
California Insurance Code Section 1560.17
Upon completion of the act of conversion and issuance of the certificate of authority under Section 1560.10, the Secretary of State shall accept for...
California Insurance Code Section 1560.18
(a) The articles of incorporation of a converted insurer that have been adopted pursuant to a plan of conversion and filed with the Secretary of...
California Insurance Code Section 1560.19
If the name of a domestic reciprocal insurer converting to a stock insurer pursuant to this article includes the word "reciprocal," the new stock...
California Insurance Code Section 1561
Any law or ruling of any state of the United States or any foreign country which shall attempt to assume jurisdiction over, or to authorize...
California Insurance Code Section 1580
As used in this article, the term "alien insurer" means a foreign insurer organized under the laws of any jurisdiction other than a State of the...
California Insurance Code Section 1581
Except as otherwise expressly provided for particular insurers, an alien insurer shall not transact any insurance in this State without first making...
California Insurance Code Section 1582
The amount of such deposit shall be equal to the minimum amount of the paid-in capital required for admission of incorporated insurers issuing...
California Insurance Code Section 1583
The deposit required by Section 1581 (a) Shall be continuously maintained so long as any obligation arising out of any insurance transacted by...
California Insurance Code Section 1585
If such deposit is not so maintained in this State, it shall be deemed to be in existence as required by this article only when a certificate, issued
California Insurance Code Section 1586
Such deposit, if maintained in this State, shall be for the benefit and security of all the policyholders and creditors of such alien insurer in the...
California Insurance Code Section 1587
Securities deposited with the commissioner pursuant to this article shall be specially deposited by him in the State Treasury, in packages marked...
California Insurance Code Section 1588
As long as the depositing insurer is solvent and the deposited securities are sufficient under this article, it may collect the income on the...
California Insurance Code Section 1589
Whenever such a deposit is made with the commissioner, he shall issue to the depositing insurer a certificate under his official seal stating the...
California Insurance Code Section 1590
The commissioner shall require the payment of twenty-nine dollars ($29) in lawful money of the United States, in advance, as a fee for filing a...
California Insurance Code Section 1591
In addition to complying with all other applicable requirements of this code, every admitted alien insurer shall on or before the first day of March...
California Insurance Code Section 1592
The statement required by Section 1591 shall be verified in the manner prescribed in Sections 903 and 903.5 and there shall be filed therewith the...
California Insurance Code Section 1593
The excess of the sum of those items in such statement, which are described in subdivision (a), (b), (c) and (d) of Section 1591, over the...
California Insurance Code Section 1594
Whenever it appears to the commissioner that the trusteed surplus in the United States of an alien insurer is less than an amount equal to the...
California Insurance Code Section 1595
Whenever an admitted alien insurer is required or permitted to deposit assets with a trustee for the benefit and security of its policyholders, or of
California Insurance Code Section 1596
To satisfy the purposes of this article, any alien insurer admitted or seeking to be admitted is hereby authorized to make and execute a deed of...
California Insurance Code Section 1596.5
Trusteed assets may be held by a trustee in the name of a nominee of the trustee, when permitted by and in accordance with the law authorizing the...
California Insurance Code Section 1597
In respect of the appointment or substitution of a trustee in another state in which an admitted alien insurer is authorized to transact insurance,...
California Insurance Code Section 1598
The commissioner may from time to time examine the trusteed assets of any alien admitted insurer pursuant to Section 736, and may from time to time...
California Insurance Code Section 1599
The commissioner shall require the payment of twelve dollars ($12) in lawful money of the United States, in advance, as a fee for filing each...
California Insurance Code Section 1600
The commissioner shall require every foreign insurer, as a condition precedent to receiving and holding a certificate of authority, to file and...
California Insurance Code Section 1600.5
An agent designated by a foreign insurer as provided in this article may file with the insurance commissioner a written statement of resignation as...
California Insurance Code Section 1601
No fee shall be charged, except as included in the application for certificate of authority fee provided by Article 3 (commencing with Section 699)...
California Insurance Code Section 1602
Any notice provided by law or by a policy, and any proof of loss, summons or other process may be served on such agent in any action or other legal...
California Insurance Code Section 1603
The person appointed and designated pursuant to Section 1600 shall be deemed in law a general agent, and shall for service of process be the...
California Insurance Code Section 1604
Every foreign insurer, as a further condition precedent to admission and in consideration thereof, shall file with the commissioner an agreement or...
California Insurance Code Section 1605
Service may be made upon the commissioner under the circumstances described in the agreement or stipulation provided for by this article and in the...
California Insurance Code Section 1610
Any of the acts described in Section 1611, when effected in this State, by mail or otherwise, by a foreign or alien insurer which is nonadmitted at...
California Insurance Code Section 1611
The acts referred to in Section 1610 are: (1) The issuance or delivery to residents of, or to corporations authorized to do business in, this...
California Insurance Code Section 1612
Such service of process may be made as provided in Article 1 (commencing with Section 12919) of Chapter 2 of Division 3.
California Insurance Code Section 1616
Before any nonadmitted foreign or alien insurer shall file or cause to be filed any pleading in any action, suit or proceeding instituted against it,
California Insurance Code Section 1617
The court in any action, suit, or proceeding, in which service of process is effected in the manner provided in Section 1612 may, in its discretion,...
California Insurance Code Section 1618
Nothing in Section 1616 is to be construed to prevent a nonadmitted foreign or alien insurer from filing a motion to quash a writ or to set aside...
California Insurance Code Section 1619
In any action against a nonadmitted foreign or alien insurer upon a contract of insurance issued or delivered in this State to a resident thereof or...
California Insurance Code Section 1620
(a) The provisions of the preceding sections of this article shall not apply to any action, suit or proceeding against any unauthorized foreign or...
California Insurance Code Section 1620.1
(a) The purpose of this article is to subject to the jurisdiction of the commissioner and to the jurisdiction of the courts of this State, insurers...
California Insurance Code Section 1620.2
As used in this article (commencing with Section 1620.1): (a) "Unfair Trade Practices Act" means Article 6.5 (commencing with Section 790) of...
California Insurance Code Section 1620.3
No unauthorized foreign or alien insurer shall make, issue, circulate or cause to be made, issued or circulated to residents of this State any...
California Insurance Code Section 1620.4
If after 30 days following the giving of the notice mentioned in Section 1620.3 the insurer has failed to cease making, issuing, or circulating such...
California Insurance Code Section 1620.5
(a) Any of the following acts in this State, effected by mail or otherwise, by any unauthorized foreign or alien insurer: (1) the issuance or...
California Insurance Code Section 1620.6
If any provision of this article (commencing with Section 1620.1) or the application thereof to any person or circumstance is held invalid, such...
California Insurance Code Section 1620.7
This article (commencing with Section 1620.1) may be cited as the Unauthorized Insurers False Advertising Process Act.
California Insurance Code Section 1621
An insurance agent is a person who transacts insurance, including 24-hour care coverage as defined in Section 1749.02, other than life, disability,...
California Insurance Code Section 1622
(a) A life licensee is a person authorized to act on behalf of a life insurer or a disability insurer to transact any of the following: (1) Life...
California Insurance Code Section 1623
(a) An insurance broker is a person who, for compensation and on behalf of another person, transacts insurance other than life insurance with, but...
California Insurance Code Section 1624
An insurance solicitor is a natural person employed to aid an insurance agent or insurance broker in transacting insurance other than life.
California Insurance Code Section 1625
A fire and casualty licensee is a person authorized to act as an insurance agent, broker, or solicitor, and a fire and casualty broker-agent license...
California Insurance Code Section 1625.5
(a) A personal lines licensee is a person authorized to transact automobile insurance, as defined in Section 660, including insurance for...
California Insurance Code Section 1625.55
(a) A limited lines automobile insurance agent is a person authorized to transact automobile insurance, as defined in Section 660. A limited lines...
California Insurance Code Section 1625.56
"License year" for a limited lines automobile insurance agent shall be determined as follows: (a) Upon initial licensing, the license year starts...
California Insurance Code Section 1625.57
"License term" for a limited lines automobile insurance agent means all of that two-year period beginning as described in subdivision (a) or (b) of...
California Insurance Code Section 1626
(a) A life licensee is a person authorized to act as a life agent. Licenses to act as a life agent under this chapter shall be of the following...
California Insurance Code Section 1627
A license is a permit to act in the capacity specified therein. A person licensed is the holder of the license. In case of a license to act as a...
California Insurance Code Section 1628
As used in this chapter, an "organization" means any legal entity other than a natural person. Where reference is made to a natural person named on...
California Insurance Code Section 1629
"License year" as used in this chapter shall be determined for each entity as follows: (a) Upon initial licensing, the license year starts on the...
California Insurance Code Section 1630
"License term" as used in this chapter means all of that two-year period beginning as described in subdivision (a) or (b) of Section 1629, as...
California Insurance Code Section 1631
Unless exempt by the provisions of this article, a person shall not solicit, negotiate, or effect contracts of insurance, or act in any of the...
California Insurance Code Section 1631.5
Nothing in this article shall be deemed to affect the current operations of the Healthy Families Program (Part 6.2 (commencing with Section 12693) of
California Insurance Code Section 1632
Unless prohibited in this article, a person otherwise eligible for a license may be authorized to act in one or more of the capacities specified in...
California Insurance Code Section 1633
Any person who transacts insurance without a valid license so to act is guilty of a misdemeanor punishable by a fine not exceeding fifty thousand...
California Insurance Code Section 1633.5
It is hereby declared to be the intent of the Legislature in enacting this chapter that the regulations prescribed herein be the exclusive...
California Insurance Code Section 1634
No license is required under this chapter for a person to act in any of the following capacities: (a) As a full-time salaried employee of a title...
California Insurance Code Section 1635
No license is required under the provisions of this chapter for a person to act in the following capacities or to engage in the following activities,
California Insurance Code Section 1637
An organization may hold any license or licenses necessary to act in the following capacities under this chapter and no others: (a) A license to...
California Insurance Code Section 1638
(a) A nonresident license is a license issued to a person not a resident of this state. A person is a resident of this state if either of the...
California Insurance Code Section 1638.5
Unless denied licensure pursuant to Article 6 (commencing with Section 1666), a nonresident person shall receive a production agency license if he or
California Insurance Code Section 1639
The following types of licenses under this chapter may be issued to nonresidents: (a) A fire and casualty broker-agent if the nonresident is duly...
California Insurance Code Section 1639.1
(a) The class or classes of insurance which a nonresident person is licensed to transact under his or her resident license shall be determined...
California Insurance Code Section 1640
A person authorized to act as an insurance solicitor is not eligible at the same time to act as an insurance agent or broker, and a person authorized
California Insurance Code Section 1642
An insurer or reciprocal or interinsurance exchange is not eligible for any license under this chapter; but a corporation rendering sales services in
California Insurance Code Section 1644
A minor is not eligible for a license to act as a fire and casualty broker-agent, or a life agent.
California Insurance Code Section 1646
An organization is not eligible for a license under this chapter if its articles of incorporation or association or agreement of copartnership forbid
California Insurance Code Section 1647.5
(a) Each limited liability company, at the time of licensing pursuant to this chapter and, with respect to surplus line brokers, Chapter 6...
California Insurance Code Section 1649.5
Notwithstanding Section 1642, an insurer may own or control, whether directly or indirectly, a separate entity licensed under this chapter as a fire...
California Insurance Code Section 1650
Every license issued under this chapter shall state thereon all the following: (a) The name of the licensee. (b) The capacity of the license.
California Insurance Code Section 1651
The commissioner shall at all times retain full property rights in any document evidencing any license issued pursuant to Chapters 5, 6, 7, and 8 of...
California Insurance Code Section 1652
(a) A license under this chapter shall be applied for, and renewed by the filing with the commissioner of a written application therefor. The...
California Insurance Code Section 1655
No application for a license shall be deemed filed unless the document itself has been actually delivered to, and the proper filing fee, including...
California Insurance Code Section 1656
Every applicant for an organizational license shall provide the names of all persons who may exercise the power and perform the duties under the...
California Insurance Code Section 1656.1
(a) Every application for a license filed by a corporation shall contain the names and addresses of all stockholders owning 10 percent or more of the
California Insurance Code Section 1656.2
(a) Every application for a license filed by a limited liability company shall contain the names and addresses of all members owning 10 percent or...
California Insurance Code Section 1658
Each application filed by a natural person for a license shall contain the residence address, the principal business address, and the mailing address
California Insurance Code Section 1661
Whenever an organization licensed as a life agent, or a fire and casualty broker-agent desires to change, remove, or add to, the natural person or...
California Insurance Code Section 1662
A fire and casualty broker-agent shall, prior to acting in the capacity of an insurance broker, file and continuously maintain in force the bond...
California Insurance Code Section 1663
Such bond shall be duly executed by an admitted surety insurer, shall be continuous in form, and shall be in favor of the people of the State of...
California Insurance Code Section 1665
The bond of a fire and casualty broker-agent shall be in the amount of ten thousand dollars ($10,000). The bond shall be contingent on the...
California Insurance Code Section 1666
Upon the filing of an application for a license in accordance with Article 4 of this chapter, the commissioner may make such investigation and...
California Insurance Code Section 1666.5
(a) Notwithstanding any other provision of law, the commissioner shall at the time of issuance or renewal of any license under this chapter or...
California Insurance Code Section 1667
Except as provided in Section 1669, a license shall not be denied without an opportunity to the applicant to be heard in support of his application.
California Insurance Code Section 1668
The commissioner may deny an application for any license issued pursuant to this chapter if: (a) The applicant is not properly qualified to...
California Insurance Code Section 1668.1
In addition to the grounds set forth in Section 1668, the following acts shall constitute cause to suspend or revoke any permanent license issued...
California Insurance Code Section 1668.5
(a) The commissioner may deny an application for any license issued pursuant to this chapter, and may suspend or revoke the permanent license of any...
California Insurance Code Section 1669
The commissioner may, without hearing, deny an application if the applicant has: (a) Committed a felony as shown by a plea of guilty or nolo...
California Insurance Code Section 1670
If an applicant for any license under this chapter, within one year from the date of the receipt by the commissioner of the application, whether or...
California Insurance Code Section 1672
The commissioner may deny an application filed by an organization, unless both the organization and all natural persons named thereon meet the...
California Insurance Code Section 1673
A person licensed as a fire and casualty broker-agent or a life licensee may be authorized to transact disability insurance on behalf of any insurer...
California Insurance Code Section 1675
Except as provided in Section 1680, the following applicants who have theretofore been licensed under this code are exempt from the requirements of...
California Insurance Code Section 1676
(a) Except as set forth in Sections 1675 and 1679, the commissioner shall not issue a permanent license pursuant to this chapter to an applicant...
California Insurance Code Section 1677
Every qualifying examination for a license under this chapter shall be in writing and shall be of sufficient scope to satisfy the commissioner that...
California Insurance Code Section 1678
The commissioner shall, at least once each month, give in each of the cities in which he has an office qualifying examinations under this chapter. ...
California Insurance Code Section 1679
(a) A nonresident applicant for a license shall be subject to the same qualifying examination as is required of a resident applicant. The examination
California Insurance Code Section 1680
If a nonresident secures a license without examination through the filing of a certificate described in Section 1679 and thereafter seeks a license...
California Insurance Code Section 1681
If an applicant fails the qualifying examination, he may, subject to the provisions of this article and such rules and regulations as may be...
California Insurance Code Section 1681.5
(a) No person shall cheat on, subvert, or attempt to subvert, any licensing examination given by the department, including, but not limited to,...
California Insurance Code Section 1682
The commissioner may, in accordance with the procedure set forth in Chapter 4 of Part I of Division 3 of Title 2 of the Government Code, promulgate...
California Insurance Code Section 1683
At a reasonable time before an applicant is required to appear for a qualifying examination, the commissioner shall send him written notice thereof.
California Insurance Code Section 1684
Except as otherwise provided in this article, whenever reference is made in this article to an applicant for a license, such reference includes each...
California Insurance Code Section 1685
The commissioner may issue to a person eligible therefor a certificate of convenience to act as any of the following: (a) Any type of a licensee...
California Insurance Code Section 1686
To be eligible for an estate certificate of convenience, a person must be one of the following: (a) The executor or administrator of the estate of
California Insurance Code Section 1687
Except as provided in Section 1637, to be eligible for a military service certificate of convenience, a person must be nominated therefor by the...
California Insurance Code Section 1688
To be eligible for a certificate of convenience to act as an industrial debit collection certificate holder, a person must be an applicant for a...
California Insurance Code Section 1689
(a) A person is not eligible for a certificate of convenience pending examination if the person has ever been issued in California a certificate of...
California Insurance Code Section 1691
(a) Every insurer shall have an approved training program on file with the commissioner or have filed a blanket authorization to certify to...
California Insurance Code Section 1692.1
(a) The privilege of an insurer to certify to the enrollment of applicants in any course of study and instruction shall be automatically suspended...
California Insurance Code Section 1693
An estate certificate of convenience expires upon the happening of any of the following events, whichever occurs first: (a) Upon the filing with...
California Insurance Code Section 1694
A military service certificate of convenience shall terminate upon the relicensing of the nominating licensee, but in no event shall it remain in...
California Insurance Code Section 1695
A certificate of convenience to act as an industrial debit certificate holder or pending examination expires at one of the following times, whichever
California Insurance Code Section 1697
A military service certificate of convenience may be issued to an organization only under the following circumstances: (a) Such organization is...
California Insurance Code Section 1698
The military service certificate of convenience referred to in Section 1697 expires at one of the following times, whichever occurs first: (a)...
California Insurance Code Section 1699
A person holding a certificate of convenience pending examination who passes the qualifying examination and is otherwise eligible for the permanent...
California Insurance Code Section 1700
If the holder of any certificate of convenience pending examination fails the qualifying examination by reason of his failure to appear for...
California Insurance Code Section 1702
All licenses issued pursuant to this chapter shall be issued to the holder thereof.
California Insurance Code Section 1703
Every applicant for an original license under this chapter, Chapter 5A (commencing with Section 1759), Chapter 6 (commencing with Section 1760), or...
California Insurance Code Section 1704
(a) Any person acting as a licensee under this chapter shall not act as an agent of an insurer unless the insurer has filed with the commissioner a...
California Insurance Code Section 1704.5
(a) Except as provided in subdivision (b), a licensed life agent may present a proposal for insurance to a prospective policyholder on behalf of a...
California Insurance Code Section 1705
An insurer, or employing fire and casualty broker-agent, by filing a notice of appointment on behalf of an applicant for an original license pursuant
California Insurance Code Section 1707
Except as otherwise provided in Section 1704.5, each notice of appointment or notice of termination of appointment filed pursuant to this article...
California Insurance Code Section 1707.5
The commissioner in lieu of retaining in his or her files a copy of the notices of appointment or notices of termination described in Section 1707,...
California Insurance Code Section 1707.51
(a) Notwithstanding any other provision of law, qualified applicants who applied in proper form and requested an examination date for a fire and...
California Insurance Code Section 1707.7
As part of the report required under Section 12922, the commissioner shall provide the following information for the previous calendar year ending...
California Insurance Code Section 1708
A licensee may at any time surrender for cancellation any license under which he is permitted to act in any of the capacities specified in this...
California Insurance Code Section 1710
All licenses issued to natural persons terminate upon the death of such person.
California Insurance Code Section 1711
For the purposes of this chapter and except as provided in this article, an organization ceases to exist as an entity eligible to hold a license: ...
California Insurance Code Section 1712
The termination of the existence of the license entity as provided in Section 1711, automatically terminates the right of that entity to transact...
California Insurance Code Section 1712.5
The license of an organization licensed as a fire and casualty broker-agent or life agent shall become inoperative upon the removal or termination of
California Insurance Code Section 1716
The provisions of this article shall not apply to any certificate of convenience other than a military service certificate of convenience issued to a
California Insurance Code Section 1717
All licenses issued under this chapter shall be for the license term specified in Section 1630. Such licenses may be issued for all of such term,...
California Insurance Code Section 1717.5
Notwithstanding any other provision of this article, the commissioner shall institute year-round licensing of production agency licensees commencing...
California Insurance Code Section 1718
(a) Not less than 60 days before a permanent license will expire, the commissioner may mail, to the latest address appearing on his or her records,...
California Insurance Code Section 1719
The commissioner shall not issue any permanent license within 30 days prior to the expiration date on record for a previously licensed entity unless...
California Insurance Code Section 1720
(a) A licensee who has applied to renew a license under this chapter shall be entitled to continue operating under the existing license for 60 days...
California Insurance Code Section 1722
If a natural person while licensed pursuant to the provisions of this chapter or Chapters 6 (commencing with Section 1760), 7 (commencing with...
California Insurance Code Section 1723
(a) At the time any original or renewal license application that is submitted to the commissioner shows a conviction of the applicant of a felony...
California Insurance Code Section 1724
An agent, broker, or solicitor who is not an active member of the State Bar of California may not share a commission or other compensation with an...
California Insurance Code Section 1724.5
Every individual and organization licensee and every applicant for such a license shall file with the commissioner in writing the true name of the...
California Insurance Code Section 1725
Every license to act as a fire and casualty broker-agent shall be prominently displayed by the holder thereof in his or her office in a manner...
California Insurance Code Section 1725.5
(a) For purposes of Sections 32.5, 1625, 1626, 1724.5, 1758.1, 1765, 1800, 14020, 14021, and 15006, every licensee shall prominently affix, type, or...
California Insurance Code Section 1726
(a) A person who is licensed in this state as an insurance agent or broker, advertises insurance on the Internet, and transacts insurance in this...
California Insurance Code Section 1727
(a) The commissioner shall, after notice and hearing, promulgate reasonable rules and regulations specifying the manner and type of records to be...
California Insurance Code Section 1728
Every resident insurance fire and casualty broker-agent shall maintain a principal office in this state for the transaction of business. The address
California Insurance Code Section 1729
Every licensee and every applicant for a license shall immediately notify the commissioner in writing of any change in his address as given to the...
California Insurance Code Section 1729.2
(a) An applicant or licensee shall notify the commissioner when any of the background information set forth in this section changes after the...
California Insurance Code Section 1729.5
A fire and casualty broker-agent or life agent who has a service contract with a corporation licensed under this code or who is a stockholder or...
California Insurance Code Section 1730
A licensee shall not misrepresent the type of license under which he is transacting insurance, nor shall he engage in transactions not authorized by...
California Insurance Code Section 1730.5
A life agent and a fire and casualty broker-agent shall provide to all insureds or applicants at the time of application or receipt of premium moneys
California Insurance Code Section 1730.6
(a) Every fire and casualty broker-agent shall, prior to arranging premium financing or transacting any agreement for the periodic payment of premium
California Insurance Code Section 1731
A person licensed as a broker-agent shall be deemed to be acting as an insurance agent in the transaction of insurance placed with those insurers for
California Insurance Code Section 1732
A person acting as an insurance broker may, on behalf of an insurance company, collect and transmit premium or return premium and deliver policies...
California Insurance Code Section 1733
All funds received by any person acting as a licensee under this chapter, Chapter 5A (commencing with Section 1759), Chapter 6 (commencing with...
California Insurance Code Section 1734
This section applies to any person licensed, whether under a permanent license, restricted license, temporary license, or certificate of convenience,
California Insurance Code Section 1734.5
(a) (1) If fiduciary funds, as defined in Section 1733, are received by any person licensed, whether under a permanent license, restricted license,...
California Insurance Code Section 1735
(a) As used in this section, a managing general agent is a licensed fire and casualty broker-agent or a life agent to whom all of the following...
California Insurance Code Section 1735.5
A fire and casualty broker-agent or surplus line broker may offset funds due an insured for return premiums on any policy against amounts due him or...
California Insurance Code Section 1736
If any acts are forbidden or conduct prescribed by any provisions of this code, such acts shall not be performed and such conduct shall be followed...
California Insurance Code Section 1736.5
(a) Every licensee and applicant shall promptly reply in writing to an inquiry from the commissioner relative to an application for, or the retention
California Insurance Code Section 1737
The purpose of this chapter is to protect the public by requiring and maintaining professional standards of conduct on the part of all persons...
California Insurance Code Section 1738
The commissioner may suspend or revoke any permanent license issued pursuant to this chapter on any of the grounds set forth in Article 6 hereof on...
California Insurance Code Section 1738.5
A proceeding held pursuant to Section 1668, 1668.5, 1738, 1739, or 12921.8 that involves allegations of misconduct perpetrated against a person age...
California Insurance Code Section 1739
Where a permanent license is held by an organization both the organization itself and any natural persons named thereon shall, for the purposes of...
California Insurance Code Section 1740
The certificate of the commissioner certifying any facts found after a hearing held under this chapter shall be prima facie evidence of the facts set
California Insurance Code Section 1741
If the commissioner finds, after a hearing, that there be grounds for the denial of an application for a license to act in any capacity set forth in...
California Insurance Code Section 1742
Where a person who is or has been licensed under this chapter has been found by the commissioner to have violated any provision of this code which...
California Insurance Code Section 1742.2
The department shall promulgate regulations necessary to comply with the requirements of Section 1033 of Title 18 of the United States Code no later...
California Insurance Code Section 1743
The lapse or suspension of any license by operation of law, by failure to renew or by its voluntary surrender shall not deprive the commissioner of...
California Insurance Code Section 1744
The filing of a statement of issues pursuant to Chapter 5, Part 1, Division 3, Title 2 of the Government Code specifying grounds for denial of an...
California Insurance Code Section 1746
(a) For purposes of this section, the following definitions shall apply: (1) "License" includes any type of license issued by the commissioner...
California Insurance Code Section 1747
Whenever the commissioner may determine or have good cause to believe that any fire and casualty broker-agent has failed to keep or maintain the...
California Insurance Code Section 1748
The commissioner, in any proceeding under the provisions of this article, may, by an alternative order, permit a licensee to elect in writing to pay...
California Insurance Code Section 1748.5
(a) For the purposes of this section, the following definitions are applicable: (1) "Production agency" means any person or organization licensed...
California Insurance Code Section 1749
The department shall require all new applicants for license as a fire and casualty broker-agent, limited lines automobile insurance agent, personal...
California Insurance Code Section 1749.01
Sections 1749 and 1749.3 shall not apply to a life agent who is limited by the terms of a written agreement with the insurer, which filed on that...
California Insurance Code Section 1749.02
"Twenty-four hour coverage" is the joint issuance of a workers' compensation policy with a disability insurance policy, health care service plan...
California Insurance Code Section 1749.1
(a) The commissioner shall appoint a curriculum board consisting of representatives of insurance agents, brokers, and life agents trade associations...
California Insurance Code Section 1749.2
The purpose of Sections 1749.3 to 1749.6, inclusive, is to establish requirements and standards for continuing education programs for persons...
California Insurance Code Section 1749.3
(a) An individual licensed as a life-only agent or an accident and health agent and also licensed as a fire and casualty broker-agent, or an...
California Insurance Code Section 1749.31
(a) An individual licensed as a personal lines broker-agent shall complete required continuing education courses, programs of instruction, or...
California Insurance Code Section 1749.32
(a) An individual licensed as a limited lines automobile insurance agent shall complete required continuing education courses, programs of...
California Insurance Code Section 1749.33
(a) A life-only agent licensee shall satisfactorily complete 24 hours of instruction prior to renewal of the license. These hours of instruction may...
California Insurance Code Section 1749.4
The courses or programs of instruction successfully completed that shall be deemed to meet the standards for continuing educational requirements, and
California Insurance Code Section 1749.5
(a) A person teaching any approved course of instruction or lecturing at any approved seminar shall qualify for the same number of classroom hours as
California Insurance Code Section 1749.6
Any person failing to meet the requirements imposed by Section 1749.3 or 1749.31, and who has not been granted an extension of time within which to...
California Insurance Code Section 1749.7
The commissioner may, pursuant to Chapter 3.5 (commencing with Section 11340) of Part 1 of Division 3 of Title 2 of the Government Code, adopt...
California Insurance Code Section 1749.8
(a) Effective January 1, 2005, every life agent who sells annuities shall satisfactorily complete eight hours of training prior to soliciting...
California Insurance Code Section 1749.85
(a) The curriculum committee shall, in 2006, make recommendations to the commissioner to instruct fire and casualty broker-agents and personal lines...
California Insurance Code Section 1749.9
Nothing in this article shall require any person exempted from licensure by Section 1634 or 1635 to hold a license as required by Section 1631.
California Insurance Code Section 1750
The commissioner shall require in advance as a fee for filing application for the hereinafter designated licenses, renewals thereof, or changes in...
California Insurance Code Section 1750.5
The fee for filing an application for a nonresident license described in Section 1639, and renewal thereof or changes in outstanding licenses, shall...
California Insurance Code Section 1751
The commissioner shall require, in advance, a fee for filing the following documents: (a) Application for registration of change in membership of...
California Insurance Code Section 1751.1
(a) The commissioner shall require fifty dollars ($50) in advance as a fee for filing an application for certification as a prelicensing or...
California Insurance Code Section 1751.3
The commissioner shall require sixteen dollars ($16) in advance as a fee for filing each notice of appointment or each notice of termination pursuant
California Insurance Code Section 1751.5
The fees required by this chapter and by Chapter 6 (commencing with Section 1760), Chapter 7 (commencing with Section 1800), and Chapter 8...
California Insurance Code Section 1751.6
The commissioner may prepare a list of all currently licensed producers. All those lists shall be at the expense of the insurer, organization, or...
California Insurance Code Section 1751.7
The commissioner may periodically publish a newsletter containing summaries of rules, regulations, interpretative opinions, and such other...
California Insurance Code Section 1752
Limited licenses as travel insurance agents may be issued to employees of railroad, steamship, airline, and other organizations engaged in...
California Insurance Code Section 1753
Travel insurance agents are restricted to the sale of insurance to persons entitled by ticket or otherwise to transportation on a common carrier, as...
California Insurance Code Section 1755
That license shall be applied for and renewed in the same manner as is provided in this chapter for a licensee to act as a fire and casualty...
California Insurance Code Section 1756
The provisions of this chapter relating to the appointment and termination of an insurance agent by an insurer or its authorized representative are...
California Insurance Code Section 1757
The commissioner may make reasonable rules and regulations necessary for the convenient administration of the provisions of this code respecting the...
California Insurance Code Section 1757.1
A limited license may be issued to a natural person or to an organization who or which acts as an agent on behalf of cargo owners or shippers, or...
California Insurance Code Section 1757.2
A limited license shall be applied for and renewed in the same manner as is provided in this chapter for a licensee to act as a fire and casualty...
California Insurance Code Section 1757.3
The commissioner may make reasonable rules and regulations necessary for the convenient administration of the provisions of this article respecting...
California Insurance Code Section 1758.1
For the purpose of making provision for the issuance of policies or contracts authorized by Article 5 (commencing with Section 10506) of Chapter 5 of
California Insurance Code Section 1758.2
Any authority granted pursuant to the provisions of this article shall be effective only while a permanent underlying life agent's license remains in
California Insurance Code Section 1758.3
The commissioner shall not grant authority to transact variable contracts unless the life agent or applicant furnishes proof that he or she is...
California Insurance Code Section 1758.5
The commissioner may, pursuant to Chapter 4.5 (commencing with Section 11371), Part 1, Division 3, Title 2 of the Government Code, adopt reasonable...
California Insurance Code Section 1758.6
No communications equipment vendor shall offer or sell any form of communications equipment insurance in this state unless that person is licensed as
California Insurance Code Section 1758.61
The commissioner may issue to an applicant that has complied with the requirements of this article a communications equipment insurance agent license
California Insurance Code Section 1758.62
(a) An applicant for a communications equipment insurance agent license under this article shall submit all of the following to the commissioner: ...
California Insurance Code Section 1758.63
(a) An employee of a communications equipment vendor or franchisee of a communications equipment vendor that has been issued a communications...
California Insurance Code Section 1758.64
(a) The manager at each location of a communications equipment vendor or a franchisee of a communications equipment vendor licensed pursuant to this...
California Insurance Code Section 1758.65
(a) If a licensee or endorsee violates any provision of this article or any other provision of this code, the commissioner may do any of the...
California Insurance Code Section 1758.66
A communications equipment insurance agent shall not sell insurance pursuant to this article by unsolicited telephone calls or otherwise unless, at...
California Insurance Code Section 1758.661
A licensee shall not be required to treat moneys collected from consumers purchasing insurance pursuant to this article as funds received in a...
California Insurance Code Section 1758.67
Under the authority of the communications equipment insurance agent license, a communications equipment insurance agent shall not do any of the...
California Insurance Code Section 1758.68
Any insurer that provides insurance to be sold by an organization licensed as a communications equipment insurance agent shall file a copy of any...
California Insurance Code Section 1758.69
As used in this article, the following definitions have the following meanings: (a) "Enrollment" means the process of soliciting or accepting...
California Insurance Code Section 1758.691
Nothing in this article regulating the sale of communications equipment insurance shall be construed to impair or impede the application of any other
California Insurance Code Section 1758.692
(a) Not less than 60 days before a permanent license will expire, the commissioner may mail, to the latest address appearing on his or her records,...
California Insurance Code Section 1758.693
(a) This article shall become operative only upon a determination by the commissioner that the personnel positions needed to carry out the provisions
California Insurance Code Section 1758.7
(a) No self-service storage facility, or franchisee of a self-service storage facility, shall offer or sell insurance unless it has complied with the
California Insurance Code Section 1758.71
(a) An applicant for a self-service storage agent license shall file the following documents with the commissioner: (1) A written application for...
California Insurance Code Section 1758.72
(a) Each self-service storage agent shall provide an insurance training program for its employees that shall meet the following minimum standards:
California Insurance Code Section 1758.73
Any employee of a licensee who has been trained pursuant to Section 1758.72 may act on behalf and under the supervision of the self-service storage...
California Insurance Code Section 1758.74
(a) If a licensee violates any provision of this article, the commissioner may do any of the following: (1) After notice and hearing, revoke or...
California Insurance Code Section 1758.75
A self-service storage facility or its franchisee licensed under this article may act as a self-service storage agent for an authorized insurer only...
California Insurance Code Section 1758.76
A licensee shall not sell insurance pursuant to this article unless all of the following conditions are satisfied: (a) The self-service storage...
California Insurance Code Section 1758.77
A licensee shall not be required to treat moneys collected from renters purchasing insurance pursuant to this article as funds received in a...
California Insurance Code Section 1758.78
A self-service storage agent shall not do any of the following: (a) Offer to sell insurance except in conjunction with, and incidental to,...
California Insurance Code Section 1758.79
Any insurer that provides insurance to be sold by a self-service storage facility or its franchisee under this article shall file a copy of the...
California Insurance Code Section 1758.791
As used in this article: (a) "Self-service storage facility" means a person or organization engaged in the business of providing leased or rented...
California Insurance Code Section 1758.792
The commissioner shall adopt rules to implement the provisions of this article which may include fee differentials for smaller, self-service storage...
California Insurance Code Section 1758.8
(a) No rental car company shall offer or sell insurance unless it is licensed as an insurance agent or broker pursuant to Article 3 (commencing with...
California Insurance Code Section 1758.81
(a) An applicant for a rental car agent license under this article shall file the following documents with the commissioner: (1) A written...
California Insurance Code Section 1758.82
(a) An employee of a rental car company or franchisee of a rental car company that has been issued a rental car agent license pursuant to this...
California Insurance Code Section 1758.83
(a) The manager at each location of a rental car company or a franchisee of a rental car company licensed pursuant to this article, or the direct...
California Insurance Code Section 1758.84
(a) If a licensee or endorsee violates any provision of this article or any other provision of this code, the commissioner may do any of the...
California Insurance Code Section 1758.85
A rental car company or franchisee licensed under this article may act as a rental car agent for an authorized insurer only in connection with the...
California Insurance Code Section 1758.851
The insurance products listed in Section 1758.85 that are sold in conjunction with a vehicle rental are not transferable and do not apply to any...
California Insurance Code Section 1758.86
A rental car agent shall not sell insurance pursuant to this article unless all of the following conditions are satisfied: (a) The rental period...
California Insurance Code Section 1758.861
A licensee shall not be required to treat moneys collected from renters purchasing insurance, pursuant to this article, as funds received in a...
California Insurance Code Section 1758.87
A rental car agent shall not do any of the following: (a) Offer to sell insurance except in conjunction with, and incidental to, authorized rental
California Insurance Code Section 1758.88
Any insurer that provides insurance to be sold by a rental car company or franchisee of a rental car company under this article shall file a copy of...
California Insurance Code Section 1758.89
As used in this article, the following definitions have the following meanings: (a) (1) "License period" means all of that two-year period...
California Insurance Code Section 1758.891
Until January 1, 2001, a rental car company or a franchisee of a rental car company shall not be required to obtain a license to offer the insurance...
California Insurance Code Section 1758.9
No person shall sell or solicit any form of credit insurance in this state, and receive a commission for their efforts, unless that person is...
California Insurance Code Section 1758.91
The commissioner may issue to an applicant that has complied with the requirements of this article, a credit insurance agent license to offer or sell
California Insurance Code Section 1758.92
(a) An applicant for a credit insurance agent license under this article shall submit each of the following to the commissioner: (1) A written...
California Insurance Code Section 1758.93
(a) An employee of an organization that has been issued a credit insurance agent license pursuant to this article may be an endorsee on the license...
California Insurance Code Section 1758.94
(a) The manager at each business location of an organization licensed as a credit insurance agent, shall be listed as an endorsee on the...
California Insurance Code Section 1758.95
(a) If a licensee or endorsee violates any provision of this article or any other provision of this code, the commissioner may do either of the...
California Insurance Code Section 1758.96
A person licensed pursuant to this article may act as a credit insurance agent for an authorized insurer only with respect to the kinds of insurance...
California Insurance Code Section 1758.97
A credit insurance agent shall not sell or offer to sell insurance pursuant to this article unless all of the following conditions are satisfied: ...
California Insurance Code Section 1758.98
Under the authority of the credit insurance agent license, a credit insurance agent shall not do any of the following: (a) Offer to sell insurance
California Insurance Code Section 1758.99
An organization licensed as a credit insurance agent shall prominently display its license number and the department's toll free consumer hot line...
California Insurance Code Section 1758.991
Any insurer that provides insurance to be sold by an organization licensed as a credit insurance agent shall file a copy of any individual policy...
California Insurance Code Section 1758.992
As used in this article, the following definitions have the following meanings: (a) "Enrollment" means the process of soliciting or accepting...
California Insurance Code Section 1758.993
Nothing in this article regulating the sale of credit insurance shall be construed to impair or impede the application of any other law regulating...
California Insurance Code Section 1758.994
The commissioner shall submit a report to the Legislature by June 30, 2004, regarding the effectiveness of this article in protecting consumers...
California Insurance Code Section 1759
For purposes of this chapter, "administrator" means any person who collects any charge or premium from, or who adjusts or settles claims on,...
California Insurance Code Section 1759.1
No administrator shall act as such without a written agreement between the administrator and the insurer, and such written agreement shall be...
California Insurance Code Section 1759.2
Whenever an insurer utilizes the services of an administrator under the terms of a written contract as required in Section 1759.1, the payment to the
California Insurance Code Section 1759.3
(a) Every administrator shall maintain at its principal administrative office for the duration of the written agreement referred to in Section 1759.1
California Insurance Code Section 1759.4
An administrator may use only such advertising pertaining to the business underwritten by an insurer as has been approved by such insurer in advance...
California Insurance Code Section 1759.5
The agreement shall make provision with respect to the underwriting or other standards pertaining to the business underwritten by such insurer.
California Insurance Code Section 1759.6
All insurance charges or premiums collected by an administrator on behalf of or for an insurer or insurers, and return premiums received from such...
California Insurance Code Section 1759.7
All claims paid by the administrator from funds collected on behalf of the insurer shall be paid only on checks or drafts of and as authorized by...
California Insurance Code Section 1759.8
With respect to any policies where an administrator adjusts or settles claims, the compensation to the administrator with regard to such policies...
California Insurance Code Section 1759.9
Where the services of an administrator are utilized, the administrator shall provide a written notice approved by the insurer, to insured...
California Insurance Code Section 1759.10
No person shall act as, or hold himself out to be, an administrator in this state, other than an adjuster licensed in this state for the kinds of...
California Insurance Code Section 1760
(a) Any person may negotiate and effect insurance to protect himself, herself, or itself against loss, damage, or liability with any nonadmitted...
California Insurance Code Section 1760.5
(a) The provisions of this chapter limiting the insurance that may be placed with nonadmitted insurers and requiring any report thereof shall not...
California Insurance Code Section 1760.6
For purposes of Section 1760.5, "spacecraft" means missiles, satellites, staffed and unstaffed space vehicles, any objects intended for launch, or...
California Insurance Code Section 1760.7
In addition to the authority granted by Section 1760.5, the commissioner has the discretion to direct special lines' surplus line brokers to not...
California Insurance Code Section 1761
Except as provided in sections 1760 and 1760.5, a person within this State shall not transact any insurance on property located or operations...
California Insurance Code Section 1762
For purposes of Sections 1764, 1764.1, and 1764.3, the term "certificate" means a surplus line broker certificate as defined in Section 48.
California Insurance Code Section 1763
(a) A surplus line broker may solicit and place insurance, other than as excepted in Section 1761, with nonadmitted insurers only if that insurance...
California Insurance Code Section 1763.1
(a) The commissioner may by order declare eligible for placement with a nonadmitted insurer and exempt from all requirements of Section 1763 except...
California Insurance Code Section 1763.2
(a) A licensed surplus line broker may originate surplus lines business, or may accept that business from any other originating licensee duly...
California Insurance Code Section 1763.5
In addition to the requirements of Section 1763, no surplus line broker shall solicit from, or place with, any nonadmitted insurer, any insurance...
California Insurance Code Section 1764
(a) A licensed surplus line broker may issue evidence of insurance, including binders, covernotes, and certificates evidencing the placement of...
California Insurance Code Section 1764.1
(a) (1) Every nonadmitted insurer, in the case of insurance to be purchased by a resident of this state pursuant to Section 1760, and surplus line...
California Insurance Code Section 1764.2
No surplus line broker shall issue any evidence of insurance or cause or purport to cause any risk to be insured by a nonadmitted insurer or advise...
California Insurance Code Section 1764.3
If the surplus line broker acts in reliance on advice received in accordance with subdivision (b) of Section 1764.2, the broker shall deliver the...
California Insurance Code Section 1764.4
The prior written authority, policy of insurance or copy of evidence that insurance has been bound referred to in Section 1764.2, shall contain...
California Insurance Code Section 1764.5
If insurance results from a transaction in which any provision of Sections 1764.2 to 1764.4 is violated, such insurance is subject to cancellation by
California Insurance Code Section 1764.7
Any person who willfully violates Section 1760.5, 1761, 1763, 1764, 1764.1, 1764.2, 1764.3, 1764.4, 1765.1, 1765.2, 1767, or 1780 is guilty of a...
California Insurance Code Section 1765
(a) A license under this chapter shall be applied for and renewed by the filing with the commissioner of a written application therefor, in...
California Insurance Code Section 1765.1
No surplus line broker shall place any coverage with a nonadmitted insurer unless the insurer is domiciled in the Republic of Mexico and the...
California Insurance Code Section 1765.2
(a) A license under this chapter may be issued to an individual or any legal business entity. If issued to a business entity or individual that...
California Insurance Code Section 1765.3
Any natural person applying for a license to act as a surplus line broker shall prove his or her competency by showing he or she holds an existing...
California Insurance Code Section 1765.4
If an applicant for any license under this chapter, within one year from the date of the receipt by the commissioner of the application, whether or...
California Insurance Code Section 1766
A payment of premium to a surplus line broker acting for a person other than himself or herself in negotiating, continuing, or renewing any policy of
California Insurance Code Section 1767
A resident surplus line broker at all times shall maintain in good faith an office in this state and if he or she maintains more than one surplus...
California Insurance Code Section 1768
A resident surplus line broker shall keep in this state complete records of the business transacted by him or her with nonadmitted insurers under his
California Insurance Code Section 1769
Whenever required so to do by the commissioner, such surplus line broker shall furnish to the commissioner a list of the admitted insurers from which
California Insurance Code Section 1770
The commissioner, whenever he deems necessary, may examine the books and accounts of any surplus line broker for the purpose of determining whether...
California Insurance Code Section 1771
The costs and expenses of all examinations by the commissioner shall be paid as prescribed in Section 736.
California Insurance Code Section 1772
(a) A surplus line insurer may be sued upon any cause of action arising in this state under any surplus line insurance contract made by it, or any...
California Insurance Code Section 1773
Surplus line brokers may advertise and solicit using print, electronic media, direct mail, and all other advertising or marketing media. These...
California Insurance Code Section 1774
(a) On or before the first day of March of each year the surplus line broker shall file with the commissioner a sworn statement of all business...
California Insurance Code Section 1775
All such reports and statements shall be made on blanks furnished to the surplus line broker by the commissioner on application therefor.
California Insurance Code Section 1775.1
(a) For the calendar year 1995, and each calendar year thereafter, every surplus line broker whose annual tax for the preceding calendar year was...
California Insurance Code Section 1775.2
On or before February 1 of each year, the commissioner shall post on the department's Internet Web site the installment payment forms prescribed by...
California Insurance Code Section 1775.3
Each surplus line broker required to make monthly installment payments shall remit them on or before the first day of the third calendar month...
California Insurance Code Section 1775.4
(a) The amount of the payment shall be 3 percent of the gross premiums less return premiums upon business done by the surplus line broker under the...
California Insurance Code Section 1775.5
(a) Every surplus line broker shall annually, on or before the first day of March of each year pay to the Insurance Commissioner for the use of the...
California Insurance Code Section 1775.6
All tax moneys received by the commissioner pursuant to this chapter shall be transmitted to the State Treasurer to be deposited in the State...
California Insurance Code Section 1775.7
The money in the Insurance Tax Fund received from the commissioner pursuant to Section 1775.6 is hereby appropriated as follows: (a) To pay the...
California Insurance Code Section 1775.8
(a) On and after January 1, 1994, and before January 1, 1995, every surplus line broker whose annual taxes for business done in calendar year 1992 or
California Insurance Code Section 1775.9
(a) If the commissioner determines that the amount of tax reported by the surplus line broker is less than the tax disclosed by the commissioner's...
California Insurance Code Section 1776
Any surplus line broker who willfully fails or refuses to report to the commissioner any insurance on subject matter located within this state placed
California Insurance Code Section 1778
When a surplus line broker's license is revoked for any reason other than the insufficiency of his sureties, a new license shall not be issued to him
California Insurance Code Section 1779
Every insured for whom insurance has been effected with nonadmitted insurers shall, upon request in writing by the commissioner, produce for the...
California Insurance Code Section 1780
A licensee or applicant for a license under this chapter shall notify the commissioner, in writing, of any change in the address from which he...
California Insurance Code Section 1780.50
(a) The Legislature finds and declares that consumers in the State of California have insurance needs which cannot always be met through the admitted
California Insurance Code Section 1780.51
(a) As used in this chapter, "surplus line advisory organization" shall mean the organization authorized to perform the duties delegated by the...
California Insurance Code Section 1780.52
(a) The surplus line advisory organization shall be deemed a joint arrangement established by statute to assure the availability of insurance on a...
California Insurance Code Section 1780.53
The commissioner shall remain fully responsible for supervising the implementation and administration of the surplus line law and for all regulatory...
California Insurance Code Section 1780.54
To be authorized to perform the duties delegated by the commissioner under this chapter and to exercise the authority incidental thereto, an...
California Insurance Code Section 1780.55
(a) Within 120 days after the filing of the documents required by subdivision (b) of Section 1780.54, the commissioner shall notify the organization...
California Insurance Code Section 1780.56
(a) The commissioner may delegate one or more of the following duties to a qualified surplus line advisory organization under this chapter: (1) To
California Insurance Code Section 1780.57
If the commissioner delegates to the surplus line advisory organization one or more of the duties set forth in Section 1780.56, the advisory...
California Insurance Code Section 1780.58
(a) The surplus line advisory organization shall be subject to the supervision of the commissioner, including, but not limited to, the powers of the...
California Insurance Code Section 1780.59
(a) If, as a result of the commissioner's examination of the surplus line advisory organization or otherwise, there is good cause to believe that the
California Insurance Code Section 1780.60
(a) If there is good cause to believe that the surplus line advisory organization's noncompliance with any provision of this chapter is willful, or...
California Insurance Code Section 1780.61
If, after a hearing pursuant to subdivision (d) of Section 1780.58 or subdivision (a) of Section 1780.60, the commissioner finds: (a) That the...
California Insurance Code Section 1780.62
Except as otherwise provided in this chapter, the proceedings required or authorized by subdivision (d) of Section 1780.58 and by Sections 1780.60...
California Insurance Code Section 1780.63
(a) Any finding, determination, rule, ruling, or order made by the commissioner under this chapter shall be subject to review by the courts of this...
California Insurance Code Section 1780.64
(a) If the surplus line advisory organization, or any of its officers, committee members, agents, or employees, fails to comply with a final order of
California Insurance Code Section 1780.65
Any action by the surplus line advisory organization may be reviewed by the commissioner upon petition by any person adversely affected thereby, but...
California Insurance Code Section 1780.66
(a) There shall be no liability on the part of, and no cause of action of any nature shall arise against, the surplus line advisory organization, or...
California Insurance Code Section 1780.67
(a) No person shall serve on the governing body of the surplus line advisory organization if in the past 10 years that person has been disciplined...
California Insurance Code Section 1781.1
This chapter shall be known and may be cited as the Reinsurance Intermediary Act.
California Insurance Code Section 1781.2
As used in this chapter: (a) "Actuary" means a person who is a member in good standing of the American Academy of Actuaries, the Casualty...
California Insurance Code Section 1781.3
(a) No person, firm, association, or corporation shall act as a reinsurance intermediary-broker in this state unless licensed as follows: (1) If...
California Insurance Code Section 1781.4
Transactions between a reinsurance intermediary-broker and the insurer it represents in that capacity shall only be entered into pursuant to a...
California Insurance Code Section 1781.5
(a) For at least 10 years after expiration of each contract of reinsurance transacted by a reinsurance intermediary-broker, the reinsurance...
California Insurance Code Section 1781.6
(a) An insurer shall not engage the services of any person, firm, association, or corporation to act as a reinsurance intermediary-broker on its...
California Insurance Code Section 1781.7
Transactions between a reinsurance intermediary-manager and the reinsurer it represents in that capacity shall only be entered into pursuant to a...
California Insurance Code Section 1781.8
The reinsurance intermediary-manager shall not do any of the following: (a) Directly or indirectly receive any compensation for the placement of...
California Insurance Code Section 1781.9
(a) A reinsurer shall not engage the services of any person, firm, association, or corporation to act as a reinsurance intermediary-manager on its...
California Insurance Code Section 1781.10
(a) A reinsurance intermediary shall be subject to examination by the commissioner. The commissioner shall have access to all books, bank accounts,...
California Insurance Code Section 1781.11
(a) A reinsurance intermediary, insurer, or reinsurer found by the commissioner to be in violation of this chapter, after a hearing conducted in...
California Insurance Code Section 1781.12
The commissioner may adopt reasonable rules and regulations for the implementation and administration of this chapter.
California Insurance Code Section 1781.13
No insurer or reinsurer may continue to utilize the services of a reinsurance intermediary on and after January 1, 1992, unless utilization is in...
California Insurance Code Section 1781.14
(a) A reinsurance intermediary shall comply with any order of a court of competent jurisdiction or a duly constituted arbitration panel requiring the
California Insurance Code Section 1800
(a) An insurer shall not execute an undertaking of bail except by and through a person holding a bail license issued as provided in this chapter. A...
California Insurance Code Section 1800.4
As used in this chapter, the term "bail bond" includes any contract not executed by a surety insurer for or method of release of person arrested or...
California Insurance Code Section 1800.5
This chapter shall not affect the negotiation through a licensed broker or agent for, nor the execution or delivery of an undertaking of bail,...
California Insurance Code Section 1800.6
This chapter shall not limit the power of any city or county to enact other and further regulations concerning, and not in conflict with, the...
California Insurance Code Section 1800.7
Any individual person may execute or furnish a bail bond if no consideration is paid or allowed, directly or indirectly, by any person for the...
California Insurance Code Section 1800.75
No person shall advertise or hold himself out as engaging in the business of executing, delivering, or furnishing bail bonds or undertakings of bail...
California Insurance Code Section 1800.8
The permits required by this chapter are in addition to any and all other permits or licenses required by law.
California Insurance Code Section 1801
Bail licenses are: (a) Bail agents' licenses; (b) Bail permittees' licenses; (c) Bail solicitors' licenses.
California Insurance Code Section 1802
A bail agent's license by its terms permits the licensee to solicit, negotiate, and effect undertakings of bail on behalf of any surety insurer while
California Insurance Code Section 1802.1
Every applicant for a license to act as bail agent must file with the commissioner a notice of appointment executed by a surety insurer or its...
California Insurance Code Section 1802.2
Any bail licensee who has purchased or succeeded to the bona fide business of another bail licensee shall be entitled to use a true or fictitious...
California Insurance Code Section 1802.5
A bail permittee's license, by its terms, permits the licensee to solicit, negotiate, issue, and deliver bail bonds. The license shall not be issued...
California Insurance Code Section 1802.6
The holder of a bail permittee's license may, upon filing of proper documents specified in Section 1802.1, receive a bail agent' s license without...
California Insurance Code Section 1802.7
Any applicant may deposit with the commissioner, in lieu of a bond required by this chapter, securities of the kind and character set forth in...
California Insurance Code Section 1802.71
The holder, or former holder of a bail license, who has deposited with the commissioner securities in lieu of a bond as provided by Section 1802.7,...
California Insurance Code Section 1802.72
The former holder of any bail license, who has surrendered any and all licenses to the commissioner, and who has on deposit with the commissioner...
California Insurance Code Section 1802.73
The application shall be in writing, verified, and shall state: (a) The nature of all bail licenses held by the applicant and the period during...
California Insurance Code Section 1802.74
The commissioner shall publish daily for one week in a newspaper of general circulation in each county in which the applicant transacted bail under...
California Insurance Code Section 1802.75
The commissioner shall make an examination of the books and records of the applicant. The costs and expenses of the examination shall be paid by the
California Insurance Code Section 1802.76
Upon failure of the applicant to pay the expense of publication of notice within 30 days after the presentation of the bill therefor, the...
California Insurance Code Section 1802.77
If the commissioner is satisfied from the application and the examination of the books and records of the applicant that the applicant has, in fact,...
California Insurance Code Section 1803
A bail solicitor's license, by its terms, permits the licensee to transact bail on behalf of and as the employee of the holder of the bail licenses...
California Insurance Code Section 1804
An applicant for bail license shall file with the commissioner an application in such form and having such supporting documents as the commissioner...
California Insurance Code Section 1805
The commissioner may decline to issue a bail license until he is satisfied that: (a) The applicant is of good business reputation and of good...
California Insurance Code Section 1806
The commissioner may suspend, revoke or refuse to issue any license under this chapter whenever it is made to appear to him that the holder of such...
California Insurance Code Section 1807
The commissioner may suspend or revoke any bail license for any cause for which he could deny such license.
California Insurance Code Section 1807.5
The commissioner shall not suspend or revoke any license, issued under this article, without first granting a hearing, upon reasonable notice to the...
California Insurance Code Section 1807.7
Commencing with July 1, 1946, all licenses issued under this article shall be for license periods the length of which shall be fixed by the...
California Insurance Code Section 1808
(a) Annual notices of intention to keep licenses in force or applications for renewal of licenses, as the case may be, may be filed on or before June
California Insurance Code Section 1809
The provisions of law relating to unlawful rebates shall not apply to commissions or other consideration paid or exchanged between licensees under...
California Insurance Code Section 1810
(a) Natural persons can be licensed under this chapter. (b) A license may be held by a corporation, in which case all of the following...
California Insurance Code Section 1810.5
The commissioner shall not issue a bail license to any person unless and until the applicant takes and passes an examination given by the...
California Insurance Code Section 1810.6
The commissioner shall conduct or arrange for written examination to be given at least twice a year upon questions proposed by the commssioner as to...
California Insurance Code Section 1810.7
(a) In order to be eligible to take the examination required to be licensed under this chapter, the applicant shall have completed not less than 12...
California Insurance Code Section 1810.8
The commissioner may issue a temporary license to the executor or administrator of the estate of a deceased holder of a bail agent's license or bail...
California Insurance Code Section 1810.9
A renewal license shall be issued by the commissioner to a licensee upon proof of current licensure, payment of a renewal fee, and completion of the...
California Insurance Code Section 1811
For his services in connection with the filing of any application or request for any license under this chapter, the commissioner shall charge and...
California Insurance Code Section 1812
The commissioner may make reasonable rules necessary, advisable, or convenient for the administration and enforcement of the provisions of this...
California Insurance Code Section 1813
The commissioner, after notice and hearing, in accordance with the procedure provided in Article 13 (commencing with Section 1737) of Chapter 5 may...
California Insurance Code Section 1814
The violation of any foregoing provision of this chapter, or of any rule of the commissioner made pursuant thereto, is a public offense, punishable...
California Insurance Code Section 1815
The commissioner shall publish and maintain a list of the names of holders of bail agents' and bail permittees' licenses and their solicitors on the...
California Insurance Code Section 1819
The certificate of the commissioner certifying any facts found after hearing held under this chapter shall be prima facie evidence of the facts set...
California Insurance Code Section 1820
Every bail license shall be prominently displayed in the office of the licensee.
California Insurance Code Section 1821
A license shall not be refused by the commissioner without proceedings in accordance with Chapter 5 (commencing with Section 11500) of Part 1 of...
California Insurance Code Section 1822
A licensee or applicant for a license under this chapter shall notify the commissioner, in writing, of any change in the address from which he...
California Insurance Code Section 1823
All surety companies which execute undertakings of bail shall keep any moneys collected from agents licensed pursuant to this code as buildup or...
California Insurance Code Section 1831
The following persons are exempt from this chapter: (a) Active members of the State Bar of California. (b) Any person who has passed all of the
California Insurance Code Section 1832
An employee or officer of any insurer is not eligible for license as a life and disability insurance analyst. A life insurer shall not pay a life...
California Insurance Code Section 1833
A license to act as life insurance analyst shall not be issued to any person not residing in this state, nor to any person who is under 18 years of...
California Insurance Code Section 1834
Such license shall be obtained only on a written application on a form prescribed by the commissioner. The commissioner may decline to act upon an...
California Insurance Code Section 1835
The applicant shall answer under oath such interrogatories as the commissioner himself or through his deputies propounds on forms prepared by the...
California Insurance Code Section 1836
A license shall not be issued until the commissioner has satisfied himself upon evidence presented and recorded as to the integrity of the applicant...
California Insurance Code Section 1837
The commissioner may decline to issue a license if an applicant: (a) Has been refused a license or had a license revoked by any public authority...
California Insurance Code Section 1838
A license shall not be refused by the commissioner on the basis of Section 1836, excepting subdivision (g), without hearing on notice to the...
California Insurance Code Section 1839
The commissioner shall conduct or arrange for a written examination, to be given at least twice a year upon questions prepared by the commissioner,...
California Insurance Code Section 1840
The examination shall be of sufficient scope to satisfy the commissioner that the applicant has sufficient knowledge of and is thoroughly familiar...
California Insurance Code Section 1841
Every individual and organization licensee, and every applicant for such a license, under this chapter shall file with the commissioner in writing...
California Insurance Code Section 1842
(a) The provisions of Chapter 5 (commencing with Section 1621) concerning the license period and the procedure and time for filing applications for...
California Insurance Code Section 1842.1
(a) An organization may hold a license to act as a life and disability insurance analyst. An organization is not eligible for license under this...
California Insurance Code Section 1843
The provisions of Sections 780, 781, 782 and 784, Article 6.5 (commencing with Section 790) of Chapter 2, and Article 13 (commencing with Section...
California Insurance Code Section 1844
Any person who acts, offers to act, or assumes to act, as a life and disability insurance analyst when not licensed by the commissioner as provided...
California Insurance Code Section 1845
Any person who acts, offers to act or assumes to act as a life and disability insurance analyst in violation of Section 1844 is guilty of a public...
California Insurance Code Section 1846
A licensee or applicant for a license under this article shall notify the commissioner, in writing, of any changes in the address from which he...
California Insurance Code Section 1848
A person licensed pursuant to this chapter shall not charge a fee for any service which is customarily associated with the solicitation of insurance...
California Insurance Code Section 1849
The department may, from time to time, publish rules and regulations regarding the initial and continuing qualifications to obtain the life and...
California Insurance Code Section 1850.4
In this chapter "casualty insurance" means all classes of insurance to which the provisions of this chapter are applicable and which are included...
California Insurance Code Section 1850.5
In this chapter "wilful" or "wilfully" in relation to an act or omission which constitutes a violation of this chapter means with actual knowledge or
California Insurance Code Section 1851
The provisions of this chapter shall apply to all insurance on risks or on operations in this state, except: (a) Reinsurance, other than joint...
California Insurance Code Section 1851.1
Notwithstanding subdivision (f) of Section 1851 or any other provision of law and except as and to the extent otherwise provided in Section 1854.5...
California Insurance Code Section 1853.5
With respect to any matters pertaining to the making of rates or rating systems, the preparation or making of insurance policy or bond forms,...
California Insurance Code Section 1853.8
Agreements may be made among admitted insurers with respect to the equitable apportionment among them of casualty insurance which may be afforded...
California Insurance Code Section 1853.9
Upon compliance with the provisions of this chapter applicable thereto any rating organization, advisory organization, and any group, association or...
California Insurance Code Section 1853.95
Admitted insurers are hereby expressly authorized to enter into agreements with the Department of Veterans Affairs with respect to the furnishing of...
California Insurance Code Section 1853.96
The use of such rates and forms by insurers pursuant to such agreements is hereby expressly permitted, and the provisions of Section 1852 are not...
California Insurance Code Section 1853.97
Automobile liability insurance and automobile physical damage insurance may, at the option of the insurer, be considered a single line for rate...
California Insurance Code Section 1855
No advisory organization shall conduct its operations in this State unless and until it has filed with the commissioner (a) a copy of its...
California Insurance Code Section 1855.1
It is the intent of the Legislature in enacting this article to promote competition in the insurance business and provide a means whereby insurance...
California Insurance Code Section 1855.2
As used in this article, "advisory organization" means every group, association, or other organization of insurers, whether located within or outside
California Insurance Code Section 1855.3
Two or more insurers may cooperate with and act in concert with others as members of an advisory organization with respect to any matters pertaining...
California Insurance Code Section 1855.4
Members and subscribers of advisory organizations may use the policy or bond forms, or manuals, of advisory organizations, either consistently or...
California Insurance Code Section 1855.5
(a) An advisory organization may prepare and distribute insurance policy or bond forms, and manuals, including policy writing rules, rating plans,...
California Insurance Code Section 1856
Every group, association or other organization of insurers which engages in joint underwriting or joint reinsurance through such group, association...
California Insurance Code Section 1857
(a) Every insurer or advisory organization and every group, association, or other organization of insurers that engages in joint underwriting or...
California Insurance Code Section 1857.1
The commissioner shall, at least once every five years, and may as often as may be reasonable and necessary, make or cause to be made an examination...
California Insurance Code Section 1857.2
The commissioner may, at any reasonable time, make or cause to be made an examination of every admitted insurer transacting any class of insurance to
California Insurance Code Section 1857.3
The officers, managers, agents and employees of any such organization, group, association or insurer may be examined at any time under oath and shall
California Insurance Code Section 1857.4
The reasonable cost of any examination authorized by this article shall be paid by the organization, group, association or insurer to be examined.
California Insurance Code Section 1857.7
The application referred to in subdivision (b) of Section 1861.05 shall include, but shall not be limited to, all of the following information: ...
California Insurance Code Section 1857.9
(a) An insurer doing business in this state, except as provided by subdivision (f), shall report the information specified by the commissioner that...
California Insurance Code Section 1858
(a) Any person aggrieved by any rate charged, rating plan, rating system, or underwriting rule followed or adopted by an insurer or rating...
California Insurance Code Section 1858.01
(a) Whenever a written complaint has been filed with the commissioner, the commissioner shall review and investigate the matter complained of as...
California Insurance Code Section 1858.02
(a) The commissioner may seek resolution of a complaint by informal conciliation at any time and may require the complainant and insurer or rating...
California Insurance Code Section 1858.05
Whenever a written complaint and request for hearing with the commissioner has been filed pursuant to Section 1858, and the complaint concerns...
California Insurance Code Section 1858.07
(a) Any person who uses any rate, rating plan, or rating system in violation of this chapter is liable to the state for a civil penalty not to exceed
California Insurance Code Section 1858.1
If after examination of an insurer, rating organization, advisory organization, or group, association, or other organization of insurers which...
California Insurance Code Section 1858.15
Once commenced, an examination pursuant to Section 1858.1 shall be promptly conducted and concluded within a reasonable time. If the examination is...
California Insurance Code Section 1858.2
(a) If the insurer, organization, group, or association does not make those changes as may be necessary to correct the noncompliance specified in the
California Insurance Code Section 1858.3
If after a hearing pursuant to Section 1858.2 the commissioner finds: (a) That any rate, rating plan, or rating system violates the provisions of...
California Insurance Code Section 1858.35
On or before May 1 of each year, the commissioner shall submit a report to the Legislature and the Governor stating the number and type of complaints
California Insurance Code Section 1858.4
In addition to other penalties provided in this code, the commissioner shall suspend or revoke, in whole or in part, the license of any rating...
California Insurance Code Section 1858.5
Except as otherwise provided in this chapter, all proceedings in connection with the denial, suspension or revocation of a license or certificate of...
California Insurance Code Section 1858.6
Any finding, determination, rule, ruling or order made by the commissioner under this chapter shall be subject to review by the courts of the State...
California Insurance Code Section 1858.7
Whenever the commissioner determines that a rate is excessive or not excessive, he shall, upon the written request of any complainant, disclose the...
California Insurance Code Section 1859
No person, insurer or organization shall wilfully withhold information from, or knowingly give false or misleading information to, the commissioner...
California Insurance Code Section 1859.1
(a) Any person, insurer, organization, group, or association who fails to comply with a final order of the commissioner under this chapter shall be...
California Insurance Code Section 1860
Nothing in this chapter shall be construed to prohibit or regulate the payment of dividends, savings or unabsorbed premium deposits allowed or...
California Insurance Code Section 1860.1
No act done, action taken or agreement made pursuant to the authority conferred by this chapter shall constitute a violation of or grounds for...
California Insurance Code Section 1860.2
The administration and enforcement of this chapter shall be governed solely by the provisions of this chapter. Except as provided in this chapter,...
California Insurance Code Section 1860.3
The provisions of the following sections of this code shall be applicable to the administration, enforcement and interpretation of this chapter: ...
California Insurance Code Section 1861.01
Insurance Rate Rollback. (a) For any coverage for a policy for automobile and any other form of insurance subject to this chapter issued or renewed...
California Insurance Code Section 1861.02
(a) Rates and premiums for an automobile insurance policy, as described in subdivision (a) of Section 660, shall be determined by application of the...
California Insurance Code Section 1861.025
A person is qualified to purchase a Good Driver Discount policy if he or she meets all of the following criteria: (a) He or she has been licensed...
California Insurance Code Section 1861.03
(a) The business of insurance shall be subject to the laws of California applicable to any other business, including, but not limited to, the Unruh ...
California Insurance Code Section 1861.04
Full Disclosure of Insurance Information. (a) Upon request, and for a reasonable fee to cover costs, the commissioner shall provide consumers with a
California Insurance Code Section 1861.05
Approval of Insurance Rates. (a) No rate shall be approved or remain in effect which is excessive, inadequate, unfairly discriminatory or otherwise...
California Insurance Code Section 1861.055
(a) The commissioner shall adopt regulations governing hearings required by subdivision (c) of Section 1861.05 on or before 120 days after the...
California Insurance Code Section 1861.06
Public notice required by this article shall be made through distribution to the news media and to any member of the public who requests placement on
California Insurance Code Section 1861.07
All information provided to the commissioner pursuant to this article shall be available for public inspection, and the provisions of Section 6254(d)
California Insurance Code Section 1861.08
Hearings shall be conducted pursuant to Chapter 5 (commencing with Section 11500) of Part 1 of Division 3 of Title 2 of the Government Code, except...
California Insurance Code Section 1861.09
Judicial reveiw shall be in accordance with Section 1858.6. For purposes of judicial review, a decision to hold a hearing is not a final order or...
California Insurance Code Section 1861.10
Consumer Participation. (a) Any person may initiate or intervene in any proceeding permitted or established pursuant to this chapter, challenge any...
California Insurance Code Section 1861.11
Emergency Authority. In the event that the commissioner finds that (a) insurers have substantially withdrawn from any insurance market covered by...
California Insurance Code Section 1861.12
Group Insurance Plans. Any insurer may issue any insurance coverage on a group plan, without restriction as to the purpose of the group, occupation...
California Insurance Code Section 1861.13
Application. This article shall apply to all insurance on risks or on operations in this state, except those listed in Section 1851.
California Insurance Code Section 1861.137
(a) Notwithstanding Section 1861.13, credit insurance shall not be subject to Sections 1861.01 and 1861.05. However, any rate for credit insurance...
California Insurance Code Section 1861.14
Enforcement & Penalties. Violations of this article shall be subject to the penalties set forth in Section 1859.1. In addition to the other...
California Insurance Code Section 1861.15
(a) An insurer issuing policies as described in subdivision (a) of Section 660, shall, as a condition of obtaining and maintaining a certificate of...
California Insurance Code Section 1861.16
(a) An insurer issuing a policy described in subdivision (a) of Section 660 by or through an insurance agent where a commission is paid, directly or...
California Insurance Code Section 1862
It is the intent of the Legislature in enacting this chapter to assure the availability, stability, and affordability of liability insurance for...
California Insurance Code Section 1863
Unless the provision or context otherwise requires, the following definitions govern the construction of this chapter: (a) "Commissioner" means...
California Insurance Code Section 1864
(a) On or before May 1 of each year, commencing in 1987, each insurer engaged in writing child care liability insurance coverage in this state shall...
California Insurance Code Section 1870
The Legislature finds and declares that for the purpose of creating a risk retention group, directors and officers of corporations, whether for...
California Insurance Code Section 1871
The Legislature finds and declares as follows: (a) The business of insurance involves many transactions that have the potential for abuse and...
California Insurance Code Section 1871.1
Insurers and their agents, while they are investigating suspected fraud claims, shall have access to all relevant public records that are required to
California Insurance Code Section 1871.2
(a) Any insurer who, in connection with any insurance contract or provision of contract described in Section 108, prints, reproduces, or furnishes a...
California Insurance Code Section 1871.3
(a) In the case of any claim arising from the theft of an insured vehicle, prior to the settlement of the claim, the insurer shall secure from the...
California Insurance Code Section 1871.4
(a) It is unlawful to do any of the following: (1) Make or cause to be made a knowingly false or fraudulent material statement or material...
California Insurance Code Section 1871.5
Any person convicted of workers' compensation fraud pursuant to Section 1871.4 or Section 550 of the Penal Code shall be ineligible to receive or...
California Insurance Code Section 1871.6
The provisions of Section 781 of the Penal Code are applicable to any prosecutions for violations of Section 1871.4. This section is declaratory of...
California Insurance Code Section 1871.7
(a) It is unlawful to knowingly employ runners, cappers, steerers, or other persons to procure clients or patients to perform or obtain services or...
California Insurance Code Section 1871.8
An insurer or self-insured employer shall provide the following notice, in both English and Spanish, to an injured worker on or with a check for...
California Insurance Code Section 1871.9
The department shall post all of the following information on its Internet Web site for each person, as defined in Section 19, convicted of a...
California Insurance Code Section 1872
There is created within the department the Fraud Division to enforce the provisions of Sections 549, and 550 of the Penal Code, and to administer the
California Insurance Code Section 1872.1
(a) There is created within the Fraud Division an advisory committee on automobile insurance fraud and economic automobile theft prevention,...
California Insurance Code Section 1872.2
For purposes of this article, "insurer" means any person who undertakes to indemnify another against loss, damage, or liability arising from a...
California Insurance Code Section 1872.3
(a) If, by its own inquiries or as a result of complaints, the Fraud Division has reason to believe that a person has engaged in, or is engaging in,...
California Insurance Code Section 1872.4
(a) Any company licensed to write insurance in this state that reasonably believes or knows that a fraudulent claim is being made shall, within 60...
California Insurance Code Section 1872.45
A district attorney who files a criminal complaint pursuant to Section 549 or 550 of the Penal Code shall promptly do all of the following: (a)...
California Insurance Code Section 1872.5
No insurer, or the employees or agents of any insurer, shall be subject to civil liability for libel, slander, or any other relevant tort cause of...
California Insurance Code Section 1872.6
Nothing contained in this article shall: (a) Preempt the authority of other law enforcement or licensing agencies to investigate and prosecute...
California Insurance Code Section 1872.8
(a) An insurer doing business in this state shall pay an annual special purpose assessment to be determined by the commissioner, but not to exceed...
California Insurance Code Section 1872.81
In addition to the special purpose assessment imposed pursuant to Section 1872.8, an insurer doing business in this state shall pay to the...
California Insurance Code Section 1872.83
(a) The commissioner shall ensure that the Fraud Division aggressively pursues all reported incidents of probable workers' compensation fraud, as...
California Insurance Code Section 1872.84
The commissioner shall ensure that the Fraud Division forwards to the appropriate disciplinary body, in addition to the names and supporting evidence
California Insurance Code Section 1872.85
(a) Every admitted disability insurer or other entity liable for any loss due to health insurance fraud doing business in this state shall pay an...
California Insurance Code Section 1872.86
(a) An insurer doing business in this state shall pay an annual special purpose assessment to be determined by the commissioner, not to exceed five...
California Insurance Code Section 1872.87
(a) Each insurer required to pay special purpose assessments pursuant to Sections 1872.8, 1872.81, 1874.8, or subdivision (a) of Section 1872.86 may,
California Insurance Code Section 1872.9
The Fraud Division shall annually compile and report, as a part of the commissioner's annual report as required by Section 12922, the following...
California Insurance Code Section 1872.95
(a) Within existing resources, the Medical Board of California, the Board of Chiropractic Examiners, and the State Bar shall each designate employees
California Insurance Code Section 1872.96
The commissioner shall prepare an annual report, which shall be a public record, with respect to the receipts, expenditures, and activities of the...
California Insurance Code Section 1873
(a) Upon written request to an insurer by officers designated in subdivisions (a) and (b) of Section 830.1 and subdivision (a) of Section 830.2, and...
California Insurance Code Section 1873.1
Any information acquired pursuant to this article shall not be a part of any public record. Except as otherwise provided by law, any authorized...
California Insurance Code Section 1873.2
In the absence of fraud or malice, no insurer, or any employee or agent authorized by an insurer to act on behalf of the insurer, and no authorized...
California Insurance Code Section 1873.3
(a) For purposes of this article and Article 2 (commencing with Section 1872), "insurance fraud" does not include motor vehicle theft and motor...
California Insurance Code Section 1873.4
Any or all information released or received by an authorized governmental entity pursuant to Section 1873 or 1873.1 shall be provided by that agency...
California Insurance Code Section 1874
This article shall be known and may be cited as the Motor Vehicle Theft and Motor Vehicle Insurance Fraud Reporting Act.
California Insurance Code Section 1874.1
The following definitions govern the construction of this article, unless the context requires otherwise: (a) "Authorized governmental agency"...
California Insurance Code Section 1874.2
(a) Upon written request to an insurer by an authorized governmental agency, an insurer or agent authorized by that insurer to act on behalf of the...
California Insurance Code Section 1874.3
(a) Any information acquired pursuant to this article shall not be a part of any public record. Except as otherwise provided by law, any authorized
California Insurance Code Section 1874.4
In the absence of fraud or malice, no insurer, or agent authorized by an insurer to act on behalf of the insurer, and no authorized governmental...
California Insurance Code Section 1874.6
Every insurer shall report covered private passenger automobiles involved in theft and salvage total losses, including the vehicle identification...
California Insurance Code Section 1874.8
(a) Each insurer doing business in this state shall pay an annual special assessment to be determined by the commissioner, but not to exceed fifty...
California Insurance Code Section 1874.85
An insurer that issues automobile liability or collision policies shall inspect vehicles for which it has approved a claim for the cost of auto body...
California Insurance Code Section 1874.86
Each insurer subject to this article shall report annually to the department on the following: (a) The number of vehicles inspected pursuant to...
California Insurance Code Section 1874.87
(a) Each insurer subject to this article shall provide each insured with an Auto Body Repair Consumer Bill of Rights either at the time of...
California Insurance Code Section 1874.90
The commissioner may declare any region of the state as an auto insurance fraud crisis area upon making a finding that auto insurance fraud is...
California Insurance Code Section 1875
As used in this chapter: (a) "Authorized agency" means any of the following officers or agencies, or their duly authorized representatives, when...
California Insurance Code Section 1875.1
An authorized agency may, when there is evidence or suspicion that the crime of arson has been committed, request any insurer to release all...
California Insurance Code Section 1875.2
If any insurer has reason to suspect that a fire loss was caused by incendiary means, the insurer shall furnish an authorized agency with all...
California Insurance Code Section 1875.3
An authorized agency shall notify the insurer, if known, and at the expense of the insurer, whenever it has reason to believe that a fire loss was...
California Insurance Code Section 1875.4
In the absence of fraud or malice, no insurer or person acting in its behalf who (a) furnishes information whether oral or written, pursuant to this...
California Insurance Code Section 1875.5
In any case in which an insurer willfully fails to comply with this article, the authorized agency may petition the superior court in an appropriate
California Insurance Code Section 1875.6
Any authorized agency that receives any information furnished as required by this article shall not make the information public until the time that...
California Insurance Code Section 1875.8
(a) There is hereby created the Arson Information Reporting System to permit insurers, law enforcement agencies, fire investigative agencies, and...
California Insurance Code Section 1875.10
The Legislature finds and declares as follows: (a) That the business of insurance involves many transactions which have potential for abuse and...
California Insurance Code Section 1875.11
(a) No insurance claims analysis bureau shall conduct any operations in this state without first filing a written application with the commissioner...
California Insurance Code Section 1875.12
(a) The commissioner may license an organization as an insurance claims analysis bureau if it meets the following qualifications: (1) Is a...
California Insurance Code Section 1875.13
The commissioner shall license an insurance claims analysis bureau by class of claims, if an insurance claims analysis bureau makes application and...
California Insurance Code Section 1875.14
An insurance claims analysis bureau shall perform the following functions: (a) Collect and compile information and data from members or...
California Insurance Code Section 1875.15
(a) A licensed insurance claims analysis bureau shall develop rules governing the kind, quality, and frequency of data reporting, which shall be...
California Insurance Code Section 1875.16
Unless otherwise provided by law, any authorized entity which receives any information furnished pursuant to this article shall not release that...
California Insurance Code Section 1875.17
On or before May 1, 1992, and on or before May 1 of each year thereafter, any licensed insurance claims analysis bureau shall file with the...
California Insurance Code Section 1875.18
(a) Every bodily injury, medical payment, or uninsured motorist claim made under a policy of automobile insurance shall be available, upon request,...
California Insurance Code Section 1875.20
Every insurer admitted to do business in this state, except those otherwise exempted in this code, shall provide for the continuous operation of a...
California Insurance Code Section 1875.21
Insurers may maintain the unit or division required by this article using its employees or by contracting with others for that purpose.
California Insurance Code Section 1875.22
Insurers shall establish the unit or division required by this article no later than July 1, 1992.
California Insurance Code Section 1875.23
For purposes of this article, "unit or division" may include the assignment of fraud investigation to employees whose principal responsibilities are...
California Insurance Code Section 1875.24
(a) If after examination, or upon the basis of other information, the commissioner has good cause to believe that an insurer to whom the provisions...
California Insurance Code Section 1876
Every insurer who receives a bodily injury, medical payment, or uninsured motorist claim made under a policy of automobile liability insurance...
California Insurance Code Section 1876.3
Any information acquired pursuant to this article shall not be part of any public record except as follows: Except as otherwise provided by law, any
California Insurance Code Section 1876.4
No insurer, or the employees or agents of any insurer, shall be subject to civil liability for libel, slander, or any other tort cause of action...
California Insurance Code Section 1876.5
As used in this article, "authorized governmental agency" and "insurer" have the same meaning as is given by Section 1874.1.
California Insurance Code Section 1877
This article shall be known and may be cited as the Workers' Compensation Insurance Fraud Reporting Act.
California Insurance Code Section 1877.1
The following definitions govern the construction of this article, unless the context requires otherwise: (a) "Authorized governmental agency"...
California Insurance Code Section 1877.2
For the purposes of this article, "authorized governmental agency" includes, in addition to the entities listed in subdivision (a) of Section 1877.1,
California Insurance Code Section 1877.3
(a) Upon written request to an insurer or a licensed rating organization by an authorized governmental agency, an insurer, an agent authorized by...
California Insurance Code Section 1877.35
(a) The Public Employees' Retirement System may request information from an insurer for any specific investigation of eligibility for, and unlawful...
California Insurance Code Section 1877.4
(a) Any information acquired pursuant to this article shall not be a part of the public record. Except as otherwise provided by law, any authorized...
California Insurance Code Section 1877.5
No insurer, agent authorized by an insurer to act on its behalf, or licensed rating organization who furnishes information, written or oral, pursuant
California Insurance Code Section 1879
The purpose of this article is to confront aggressively the problem of insurance fraud in this state by facilitating the detection of insurance...
California Insurance Code Section 1879.2
(a) Any insurer that prints, reproduces, or furnishes a form to any person upon which that person gives notice to the insurer of a claim under any...
California Insurance Code Section 1879.3
The commissioner shall appoint supervisory and investigatory personnel within the bureau. In addition, the commissioner shall assign staff counsel...
California Insurance Code Section 1879.4
(a) The Chief of the Fraud Division and those investigators designated by him or her may expend funds to conduct undercover activities, employ...
California Insurance Code Section 1879.5
(a) Any person who believes that a violation of this article has been or is being made may notify the department immediately after discovery of the...
California Insurance Code Section 1879.6
The commissioner may adopt administrative regulations as he or she deems necessary for the effective implementation of this article.
California Insurance Code Section 1879.7
The commissioner shall report annually to the Legislature as to the activities of the department and the cost-effectiveness of the programs...
California Insurance Code Section 1879.8
Nothing in this article shall be construed to preclude the applicability of any other provision of civil or criminal law that applies to any act...
California Insurance Code Section 1880
The owner of a ship has in all cases an insurable interest in it, even when it has been chartered by one who agrees to pay him its value in case of...
California Insurance Code Section 1881
The insurable interest of the owner of a ship hypothecated by bottomry is only the excess of its value over the amount secured by bottomry.
California Insurance Code Section 1882
Freightage, in marine insurance, signifies all the benefit derived by the owner, either from the chartering of the ship or its employment for the...
California Insurance Code Section 1883
The owner of a ship has an insurable interest in expected freightage which he would have certainly earned but for the intervention of a peril insured
California Insurance Code Section 1884
The interest mentioned in the last section exists, in the case of a charter party, when the ship has broken ground on the chartered voyage. If a...
California Insurance Code Section 1885
In marine insurance, a person who has an interest in the thing from which profits are expected to proceed, has an insurable interest in the profits.
California Insurance Code Section 1886
The charterer of a ship has an insurable interest in it, to the extent that he is liable to be damaged by its loss.
California Insurance Code Section 1900
In marine insurance each party is bound to communicate, in addition to what is required in the case of other insurance: (a) All the information...
California Insurance Code Section 1901
In marine insurance, information of the belief or expectation of a third person in reference to a material fact, is material.
California Insurance Code Section 1902
A person insured by a contract of marine insurance is presumed to have, at the time of insuring, knowledge of a prior loss, if the information might...
California Insurance Code Section 1903
In marine insurance, concealment in respect to any of the following matters does not vitiate the entire contract, but merely exonerates the insurer...
California Insurance Code Section 1904
In marine insurance, if a representation by the insured is intentionally false in any respect, whether material or immaterial, the insurer may...
California Insurance Code Section 1905
The failure of subsequent circumstances to conform to a representation as to expectation does not, in the absence of fraud, avoid marine insurance.
California Insurance Code Section 1920
In every marine insurance upon a ship or involving transportation by ship, a warranty is implied that the ship is seaworthy.
California Insurance Code Section 1921
A ship is seaworthy when reasonably fit to perform the services and encounter the ordinary perils of the voyage contemplated by the parties to the...
California Insurance Code Section 1922
An implied warranty of seaworthiness is complied with if the ship is seaworthy at the time of the commencement of the risk, except in the following...
California Insurance Code Section 1923
A warranty of seaworthiness extends not only to the condition of the structure of the ship itself, but also requires that it be properly laden and...
California Insurance Code Section 1924
Where any portion of the voyage contemplated by a policy differs from other portions in respect to the things requisite to make the ship seaworthy...
California Insurance Code Section 1925
When a ship becomes unseaworthy during the voyage, an unreasonable delay in repairing the defect exonerates the insurer from liability on any loss...
California Insurance Code Section 1926
A ship may be seaworthy for the purpose of insurance upon itself and, at the same time, unseaworthy for the purpose of insurance upon the cargo...
California Insurance Code Section 1927
Where the nationality or neutrality of a ship or cargo is expressly warranted, it is implied that: (a) The ship will carry the requisite documents
California Insurance Code Section 1940
When the voyage contemplated by marine insurance is described by the places of beginning and ending, the voyage insured is one which conforms to the...
California Insurance Code Section 1941
If the course of sailing is not fixed by mercantile usage, the voyage insured by marine insurance is that way between the places specified which, to...
California Insurance Code Section 1942
Deviation is: (a) A departure from the course of the voyage insured. (b) An unreasonable delay in pursuing the voyage. (c) The commencement...
California Insurance Code Section 1943
A deviation is proper: (a) When caused by circumstances over which neither the master nor the owner of the ship has any control. (b) When...
California Insurance Code Section 1944
Every deviation not specified in the last section is improper.
California Insurance Code Section 1945
An insurer is not liable for any loss happening to the subject matter of marine insurance after an improper deviation.
California Insurance Code Section 1960
A loss is either total or partial.
California Insurance Code Section 1961
A total loss is either actual or constructive.
California Insurance Code Section 1962
An actual total loss is caused by: (a) A total destruction of the subject matter of insurance. (b) The loss of the subject matter by sinking,...
California Insurance Code Section 1963
A constructive total loss is one which gives to a person insured a right to abandon, under section 1971.
California Insurance Code Section 1964
An actual loss may be presumed from the continued absence of a ship without being heard of. The length of time which is sufficient to raise this...
California Insurance Code Section 1965
When a ship is prevented, at an intermediate port and by the perils insured against, from completing the voyage, the master shall make every exertion
California Insurance Code Section 1966
In addition to the liability mentioned in Section 1965, a marine insurer is liable, up to the amount insured, for damages, expenses of discharging,...
California Insurance Code Section 1967
Upon an actual total loss, the insured is entitled to payment without notice of abandonment.
California Insurance Code Section 1968
Where it has been agreed that an insurance upon a particular subject matter, or class of subject matter, is to be free from particular average, a...
California Insurance Code Section 1969
When insurance is confined in its terms to an actual total loss, it does not cover a constructive total loss, but it does cover any loss which...
California Insurance Code Section 1970
Abandonment, in marine insurance, is the act of the insured by which, after a constructive total loss, he declares the relinquishment to the insurer...
California Insurance Code Section 1971
In marine insurance, after abandonment of the subject matter of insurance or of any particular portion thereof which is separately valued by the...
California Insurance Code Section 1972
An abandonment can not be either partial or conditional.
California Insurance Code Section 1973
An abandonment can be made only at a time limited by all of the following: (a) Within a reasonable time after the information of the loss. (b)...
California Insurance Code Section 1974
Where the information upon which an abandonment has been made proves incorrect, or the subject matter of insurance is so far restored when the...
California Insurance Code Section 1975
Abandonment is made by giving oral or written notice thereof to the insurer.
California Insurance Code Section 1976
A notice of abandonment shall be explicit, and shall specify the particular cause of the abandonment, but need state only enough to show that there...
California Insurance Code Section 1977
An abandonment can be sustained only upon the cause specified in the notice thereof.
California Insurance Code Section 1978
An abandonment is equivalent to a transfer to the insurer of the insured's interest, with all the chances of recovery and indemnity.
California Insurance Code Section 1979
Whenever a marine insurer pays for a loss as if it were an actual total loss, he is entitled to whatever remains of the subject matter insured, or...
California Insurance Code Section 1980
Upon an abandonment, acts done subsequent to the loss and in good faith by persons who at the time were the insured's agents in respect to the...
California Insurance Code Section 1981
An acceptance of an abandonment is not necessary to the rights of the insured, and is not to be presumed from the mere silence of the insurer at the...
California Insurance Code Section 1982
The acceptance of an abandonment, whether express or implied, is conclusive upon the parties and admits the loss and the sufficiency of the...
California Insurance Code Section 1983
An abandonment once made and accepted is irrevocable, unless the ground upon which it was made proves to be unfounded.
California Insurance Code Section 1984
On an accepted abandonment of a ship, freightage earned previous to the loss belongs to the insurer of the freightage; but freightage subsequently...
California Insurance Code Section 1985
If an insurer refuses to accept a valid abandonment, he is liable as upon an actual total loss, after deducting from the amount of the loss any...
California Insurance Code Section 1986
If an insured omits to abandon, he may nevertheless recover his actual loss.
California Insurance Code Section 1987
(a) A valuation fraudulent in fact entitles a marine insurer to rescind the contract. (b) When the subject matter has been hypothecated by...
California Insurance Code Section 1988
In a case of partial loss, a marine insurer is liable only for such proportion of the amount insured by him as the loss bears to the value of the...
California Insurance Code Section 1989
Where profits are separately insured in marine insurance, in case of loss the insured is entitled to recover that proportion of such profits which...
California Insurance Code Section 1990
In case of a valued policy of marine insurance on freightage or cargo, if only a part of the subject matter is exposed to risk, the valuation applies
California Insurance Code Section 1991
When profits are valued and insured by marine insurance, a loss of them is conclusively presumed from a loss of the property out of which they were...
California Insurance Code Section 1992
In estimating a loss under an open policy of marine insurance, the following rules are to be observed: (a) The value of a ship is its value at the
California Insurance Code Section 1993
If cargo insured against partial loss arrives at the port of destination in a damaged condition, the loss of the insured is computed as follows: ...
California Insurance Code Section 1994
A marine insurer is liable for all the expense attendant upon a loss which forces the ship into port to be repaired. Where it is agreed that the...
California Insurance Code Section 1995
In marine insurance, when an insured is required to make a contribution in respect to the subject matter of insurance toward a general average loss,...
California Insurance Code Section 1996
In marine insurance, where an insured has a demand against others for contribution, he may claim the whole loss from the insurer, subrogating the...
California Insurance Code Section 1997
In the case of a partial loss of a ship or its equipments, the old materials are to be applied towards payment for the new. Whether the ship is new...
California Insurance Code Section 2010
The provisions of Sections 481, 800, 801, 802, 803, and 804 shall not apply to ocean marine insurance as defined in Section 481.
California Insurance Code Section 2030
An insurer is entitled to rescind a contract of fire insurance upon an alteration in the use or condition of the subject matter insured from that to...
California Insurance Code Section 2031
When a contract of fire insurance does not restrict use or condition of insured subject matter, such contract is not affected by an alteration in...
California Insurance Code Section 2032
After the execution of a contract of fire insurance, an act of the insured does not affect the contract unless the act violates policy provisions,...
California Insurance Code Section 2050
The effect of a valuation in a fire policy is the same as in a marine policy.
California Insurance Code Section 2051
(a) Under an open policy, the measure of indemnity in fire insurance is the expense to the insured of replacing the thing lost or injured in its...
California Insurance Code Section 2051.5
(a) Under an open policy that requires payment of the replacement cost for a loss, the measure of indemnity is the amount that it would cost the...
California Insurance Code Section 2052
Whenever the insured desires to have a valuation named in his policy insuring any building or structure against fire, he may require such building or
California Insurance Code Section 2053
A clause shall be inserted in such a valued policy, stating substantially that the value of the insured's interest in the insured building or...
California Insurance Code Section 2054
In the absence of any change increasing the risk without the consent of the insurer or of fraud on the part of the insured, and except as provided in
California Insurance Code Section 2055
Except as provided by section 2056, the insurer shall not be required to pay more than the amount stated in such a valued policy.
California Insurance Code Section 2056
Stipulations in a valued policy concerning the repairing, rebuilding or replacing of buildings or structures wholly or partially damaged or destroyed
California Insurance Code Section 2057
Under a contract of fire insurance, payment to the insured shall be made within 30 days after the amount of the loss and the liability of the company
California Insurance Code Section 2058
Notwithstanding any other provision of law, if a loss arising out of fire is rebuilt or replaced, an insured covered by a valued policy shall receive
California Insurance Code Section 2060
In the event of a loss under a homeowners' insurance policy for which the insured has made a claim for additional living expenses, the insurer shall...
California Insurance Code Section 2070
All fire policies on subject matter in California shall be on the standard form, and, except as provided by this article shall not contain additions...
California Insurance Code Section 2070.1
(a) Any insurer whose insured has made a claim under his or her residential fire or property insurance policy for loss due, in whole or in part, to...
California Insurance Code Section 2071
(a) The following is adopted as the standard form of fire insurance policy for this state: California Standard Form Fire Insurance Policy
California Insurance Code Section 2071.1
(a) This section applies to an examination of an insured under oath pursuant to Section 2071 labeled "Requirements in case loss occurs" and other...
California Insurance Code Section 2072
The policy is not required to be used for reinsurance between insurers.
California Insurance Code Section 2073
The policy shall be plainly printed. The type shall not be smaller than eight-point and in a style not less legible than Century and subheads shall...
California Insurance Code Section 2074
Either the blanks in the standard form or those in an endorsement attached thereto shall be appropriately filled. The first page of the policy or an
California Insurance Code Section 2074.5
In lieu of showing the term of coverage in the form set forth in Section 2071, the standard form policy may show the term in any form which clearly...
California Insurance Code Section 2074.6
In lieu of showing the attestation clause and official signatures in the form as set forth in Section 2071, the standard form policy may show,...
California Insurance Code Section 2074.7
Notwithstanding the provisions of Section 2071 granting the right to both insured and insurer to cancel a policy of insurance, or the provisions of...
California Insurance Code Section 2074.8
Notwithstanding any of the other provisions of Sections 2071 and 6010, those paragraphs in Sections 2071 and 6010 captioned "Cancellation of policy"...
California Insurance Code Section 2074.9
During such time as countersignatures are not required by law, the provisions of Section 2071 requiring policies to make provision for...
California Insurance Code Section 2075
By special agreement indorsed on the policy or added thereto, the provisions regarding appraisement or apportionment of loss may be waived and the...
California Insurance Code Section 2076
The insurer may add to the standard form any matter relating to its financial condition, directors, officers, shareholders and history, and the...
California Insurance Code Section 2077
The insurer may add to the standard form, in red ink, any provisions required or permitted in its policies by the State or country of its...
California Insurance Code Section 2078
There may be added to the standard form, clauses providing for and defining the rights, duties and obligations of mortgagees, assignees and other...
California Insurance Code Section 2079
Clauses may be added to the standard form: (a) Covering subject matter and risks not otherwise covered; provided that clauses covering loss or...
California Insurance Code Section 2080
Except as otherwise provided in this article, clauses imposing specified duties and obligations upon the insured and limiting the liability of the...
California Insurance Code Section 2081
Whenever a clause is inserted, or rider attached, affecting the standard form liability of the insurer for loss or damage by fire occasioned either...
California Insurance Code Section 2082
Any insurers, other than corporations, issuing policies on subject matter in California, shall use the standard form, changing only such words as...
California Insurance Code Section 2082.5
Where an insurer has no president or secretary in the United States, the facsimile signature on the standard form may be that of its principal...
California Insurance Code Section 2083
It is a misdemeanor for any insurer or any agent to countersign or issue a fire policy covering in whole or in part property in California and...
California Insurance Code Section 2084
(a) After a covered loss under a policy covered by Section 2071, an insurer shall provide to the insured, free of charge, a complete, current copy of
California Insurance Code Section 4010
A "mutual" insurer is an insurance corporation without capital stock owned by its policyholders collectively, who have the right to vote in the...
California Insurance Code Section 4011
The provisions of Section 36 shall apply to domestic mutual insurers as well as foreign mutual insurers.
California Insurance Code Section 4012
Domestic mutual insurers, incorporating or qualifying to transact any or all of the classes of insurance designated in Sections 100 through 123 and...
California Insurance Code Section 4013
(a) Each policyholder of a domestic mutual insurer, other than the holder of a reinsurance contract, is a member of the insurer during the policy...
California Insurance Code Section 4014
Any person, government or governmental agency, state or political subdivision thereof, public or private corporation, board, association, estate,...
California Insurance Code Section 4015
With respect to the management, records, and affairs of a domestic mutual insurer qualified to transact any or all of the classes of insurance...
California Insurance Code Section 4016
Each member of a domestic mutual insurer is entitled to one vote upon each matter coming to a vote at meetings of members.
California Insurance Code Section 4016.1
Notice of all meetings of members whether annual or special shall be given in writing to the members entitled to vote by the secretary, or an...
California Insurance Code Section 4016.2
(a) The presence in person or by proxy of 5 percent of the members of a domestic mutual insurer entitled to vote at any meeting shall constitute a...
California Insurance Code Section 4017
A member shall have the right to vote in person or by his written proxy filed with the corporate secretary not less than five days prior to the...
California Insurance Code Section 4018
No member's vote upon any proposal to divest the insurer of its business or assets, or the major part thereof, shall be registered or taken except in
California Insurance Code Section 4019
This chapter does not apply to a mutual insurer that has converted to a mutual legal reserve insurer pursuant to former Chapter 9 (commencing with...
California Insurance Code Section 4020
The affairs of every domestic mutual insurer shall be managed by a board of directors consisting of not less than 5 directors nor more than 15...
California Insurance Code Section 4021
Directors shall be elected by the members of a domestic mutual insurer at the annual meeting of members. Directors may be elected for terms of not...
California Insurance Code Section 4022
A director of a mutual insurer shall be a policyholder thereof.
California Insurance Code Section 4023
As to an insurer operating as an authorized insurer only in the State of California, a majority of the members of the insurer's board of directors...
California Insurance Code Section 4030
No domestic mutual insurer shall hereafter make any contract whereby any person is granted or is to enjoy in fact the management of the insurer to...
California Insurance Code Section 4031
Any such contract shall provide that any such manager or producer of its business shall within 90 days after expiration of each calendar year furnish
California Insurance Code Section 4032
The commissioner shall disapprove any such contract if he finds that it: (a) Subjects the insurer to excessive charges; or (b) Is to extend for
California Insurance Code Section 4033
The commissioner may, after a hearing held thereon, withdraw his approval of any such contract theretofore approved by him, if he finds that the...
California Insurance Code Section 4034
The holder of any such contract described in this Article shall be subject to examination by the commissioner pursuant to Article 4 (beginning with...
California Insurance Code Section 4040
A mutual insurer may borrow money to defray the expenses of its organization, provide it with surplus funds, or for any purpose of its business, upon
California Insurance Code Section 4042
The issuance of any document evidencing any such loan shall require the commissioner's securities permit under Article 8 of Chapter 1, Part 2,...
California Insurance Code Section 4044
This section shall not apply to loans obtained by the insurer in ordinary course of business from banks and other financial institutions, nor to...
California Insurance Code Section 4050
The directors of a domestic mutual insurer may from time to time apportion and pay or credit to its members dividends only out of that part of its...
California Insurance Code Section 4051
A dividend otherwise proper may be payable out of such savings, earnings, and gains even though the insurer's total surplus is then less than the...
California Insurance Code Section 4052
The payment of any such dividends on a workmen's compensation policy shall be subject to the provisions of Section 11738 and for that purpose a...
California Insurance Code Section 4060
A domestic mutual insurer while maintaining unimpaired surplus funds not less in amount than one and one-half times the minimum paid-in capital stock
California Insurance Code Section 4061
The commissioner shall not authorize a domestic insurer to extinguish the contingent liability of any of its members or in any of its policies to be...
California Insurance Code Section 4062
A foreign or alien mutual insurer may issue nonassessable policies to its members in this State pursuant to its charter and the laws of its domicile.
California Insurance Code Section 4063
The commissioner shall revoke the certificate of a domestic mutual insurer to issue policies without contingent liability if (a) At any time the...
California Insurance Code Section 4064
During the absence of such certificate the insurer shall not issue any policy without providing therein for the contingent liability of the...
California Insurance Code Section 4070
Such an insurer is insolvent if its surplus becomes less than the amount of paid-in capital required of a capital stock company to qualify to...
California Insurance Code Section 4080
Such an insurer shall be subject to all the provisions of this code and all the applicable rules and regulations of the commissioner. Such code...
California Insurance Code Section 4081
Any county mutual fire insurer, or two or more such insurers, may merge into a general mutual insurer described in this chapter by following the...
California Insurance Code Section 4090
By following the procedure specified in this article, any domestic mutual insurer described in this article may merge, consolidate, or otherwise...
California Insurance Code Section 4091
The plan and agreement by which any such transaction is to be effected shall be approved by a resolution of the majority of the board of directors of
California Insurance Code Section 4092
When any such plan and agreement shall have been approved by the commissioner, with any changes required by him, the same shall be approved in the...
California Insurance Code Section 4093
If the vote is in the affirmative, a certified copy of all proceedings relating to the proposed transaction shall be filed with the commissioner. If
California Insurance Code Section 4094
Any plan of merger, consolidation, or other unification under this article shall provide that all rights and properties of the parties to the plan of
California Insurance Code Section 4095
In the event a mutual insurer is merged, consolidated, or part of a reorganization under the procedures specified in this article, and the surviving,
California Insurance Code Section 4096
In the event a domestic mutual insurer is merged, consolidated, or a part of a reorganization under the procedures specified in this article, and the
California Insurance Code Section 4097
(a) A domestic incorporated medical malpractice mutual insurer, issuing nonassessable policies on a reserve basis may be converted into an...
California Insurance Code Section 4097.01
The definitions in this section apply to the following terms when used in this article. (a) "Adoption date" means the date the board of directors...
California Insurance Code Section 4097.02
The plan of conversion shall include appropriate proceedings for amending the mutual company's articles of incorporation to give effect to the...
California Insurance Code Section 4097.03
For the conversion of a medical malpractice mutual insurer, the plan of conversion shall provide for either a demutualization in compliance with...
California Insurance Code Section 4097.04
For the demutualization of a mutual insurer into a stock insurer or for the demutualization of a mutual holding company into a stock corporation, the
California Insurance Code Section 4097.05
A plan of conversion adopted by a medical malpractice mutual insurer to establish a mutual holding company shall provide that the medical malpractice
California Insurance Code Section 4097.06
(a) The commissioner shall examine the plan submitted pursuant to subdivision (b) of Section 4097.02. If the plan provides for the establishment of...
California Insurance Code Section 4097.07
The meeting of members prescribed by subdivision (c) of Section 4097.02 shall be called by the board of directors, the chairperson of the board, or...
California Insurance Code Section 4097.08
Nothing in this article shall be deemed to prohibit the inclusion in the plan of conversion of provisions under which the insurer's officers,...
California Insurance Code Section 4097.09
No director, officer, agent, or employee of the mutual company shall receive any fee, commission, or other valuable consideration whatsoever, other...
California Insurance Code Section 4097.10
At any time before that plan of conversion becomes effective as provided in Section 4097.11, the mutual company may, by resolution of at least...
California Insurance Code Section 4097.11
(a) Upon consent by the commissioner to the plan of conversion of a mutual insurer and filing of the plan of conversion in accordance with the...
California Insurance Code Section 4097.12
(a) Upon the effective date of a plan of conversion in accordance with Section 4097.05, the mutual insurer immediately becomes a stock corporation,...
California Insurance Code Section 4097.13
Prior to, and for a period of five years following, the effective date of the plan of conversion, no person or group of persons acting in concert...
California Insurance Code Section 4097.14
Unless otherwise provided in the plan of conversion, the directors and officers of the mutual company shall serve as directors and officers of the...
California Insurance Code Section 4097.15
(a) Notwithstanding any other provision of law and except as otherwise provided in subdivision (b), actions concerning any plan of conversion,...
California Insurance Code Section 4097.16
The offer or sale of securities, including any debt securities, issued pursuant to the plan of conversion developed and approved in accordance with...
California Insurance Code Section 4097.17
The commissioner shall have the authority from time to time, to make, amend, and rescind any rules and regulations as may be necessary to carry out...
California Insurance Code Section 4097.18
Upon completion of the act of conversion and issuance of the certificate of authority under Section 4097.11, the Secretary of State shall accept for...
California Insurance Code Section 4097.19
(a) The amended articles of incorporation of a converted company that have been adopted pursuant to a plan of conversion and filed with the Secretary
California Insurance Code Section 4097.20
If the name of a mutual insurer converting to a stock insurer pursuant to this article includes the word "mutual," the new stock insurer may continue
California Insurance Code Section 5050
Two hundred fifty (250) or more persons residing in one county of this State may incorporate for the purpose of forming a mutual fire insurer upon...
California Insurance Code Section 5050.1
If such persons have not performed all acts and secured all agreements necessary to complete the incorporation of such insurer within one year from...
California Insurance Code Section 5050.5
Any county mutual fire insurer heretofore or hereafter incorporated and doing business under the provisions of this chapter may, if it has issued an...
California Insurance Code Section 5051
Upon the payment in advance of two thousand nine hundred fifty dollars ($2,950) cash, lawful money of the United States, to the commissioner for all...
California Insurance Code Section 5052
The commissioner shall examine the proposed articles of incorporation. If they conform to this chapter he shall deliver to such persons a...
California Insurance Code Section 5053
The duly executed articles of incorporation and a copy of the certificate of the commissioner shall be filed with the Secretary of State in...
California Insurance Code Section 5054
The articles of incorporation and certificate obtained by any county mutual fire insurer operating under the provisions of this chapter are subject...
California Insurance Code Section 5055
The by-laws and all amendments thereto shall be filed with the commissioner within sixty days after their adoption.
California Insurance Code Section 5056
Such insurer shall have not less than seven, nor more than 11 directors, a majority of whom shall constitute a quorum to do business. The by-laws...
California Insurance Code Section 5057
The annual meeting of the members of the insurer shall be held on the second Monday of February of each year, unless its board of directors fixes the
California Insurance Code Section 5058
In the election of the first board of directors each member shall be entitled to one vote. At every subsequent election each member shall be...
California Insurance Code Section 5059
A member may cast his votes in person or by proxy, distributing them among the directors to be elected, or among a less number of the directors, or...
California Insurance Code Section 5060
The directors shall elect, from their own number, a president and a vice president. They shall also elect a treasurer and a secretary, who need not...
California Insurance Code Section 5061
The treasurer and secretary shall give bonds to the insurer for the faithful performance of their duties, in such amounts as are prescribed by the...
California Insurance Code Section 5062
No incorporators or persons acting in their behalf or other persons participating in the management of such insurer shall advance to or for the...
California Insurance Code Section 5063
No such insurer may enter into any general agency or management contract whereby it authorizes or delegates to a person the right to assume virtual...
California Insurance Code Section 5080
Such insurer and its directors possess the usual powers, and are subject to the usual duties of corporations and directors.
California Insurance Code Section 5081
Such insurer may accumulate such surplus as its directors deem desirable for meeting contingencies, to cover the catastrophe hazard, and for general...
California Insurance Code Section 5090
Any person having an insurable interest in property in the county in which any such insurer is formed or any person having such an interest in...
California Insurance Code Section 5090.2
Not more than one person licensed as an insurance agent, broker or solicitor, or who is a member of an association or partnership or a stockholder or
California Insurance Code Section 5091
Any member of such insurer may commence to withdraw therefrom by surrendering his policy for cancellation, and by giving notice in writing to the...
California Insurance Code Section 5092
The withdrawal may be completed by paying the member's share, if any, under the terms of his policy, of all claims that exist against the insurer on...
California Insurance Code Section 5093
The insurer may cancel any policy by giving the insured 20 days' written notice of cancellation with or without tender of the excess of paid premium...
California Insurance Code Section 5094
In case of cancellation by the insurer it shall also notify in the same manner any holder of a mortgage whose name appears, either on the signed...
California Insurance Code Section 6010
(a) The following is adopted as the standard form of county mutual fire insurer's policy for this state: CALIFORNIA STANDARD FORM OF COUNTY FIRE...
California Insurance Code Section 6010.5
The policy is not required to be used for reinsurance between insurers.
California Insurance Code Section 6011
Either the blanks in the standard form or those in an endorsement attached thereto shall be appropriately filled. The first page of the policy or an
California Insurance Code Section 6011.5
In lieu of showing the term of coverage in the form set forth in Section 6010, the standard form policy may show the term in any form which clearly...
California Insurance Code Section 6011.6
In lieu of the attestation clause and official signatures in the form as set forth in Section 6010, the standard form policy may show, immediately...
California Insurance Code Section 6012
By special agreement indorsed on the policy or added thereto, the provisions regarding appraisement or apportionment of loss may be waived and the...
California Insurance Code Section 6013
The standard form of policy shall be plainly printed. The type shall not be smaller than eight-point and in a style not less legible than Century...
California Insurance Code Section 6014
All county mutual fire insurance policies on subject matter in this State shall be on the county mutual standard form and, except as provided by this
California Insurance Code Section 6015
The insurer may add to the policy any matter relating to its financial condition, directors, officers, members and history, and the address of its...
California Insurance Code Section 6016
Clauses may be added to the policy providing for and defining the rights, duties and obligations of mortgagees, assignees, and other parties having...
California Insurance Code Section 6017
Insurers authorized to limit or eliminate their assessment liability in accordance with the terms of this chapter may make such changes in the...
California Insurance Code Section 6017.5
Insurers authorized to eliminate their assessment liability in accordance with the terms of this chapter may use the California standard form...
California Insurance Code Section 6018
No clause shall be inserted nor rider attached affecting the standard form liability of the insurer for loss or damage by fire occasioned either...
California Insurance Code Section 6019
Clauses may be added to the policy: (a) Covering property and risks not otherwise covered; provided that clauses covering loss or damage caused by
California Insurance Code Section 6020
Except as otherwise provided by this article, clauses may be attached, by separate riders in type larger than pica or in capital letters measuring...
California Insurance Code Section 6021
It is a misdemeanor for any insurer or its agent to countersign or issue a county mutual fire insurance policy covering in whole or part...
California Insurance Code Section 6040
Such insurer may issue policies on dwellings, schoolhouses, churches, fraternal or lodge halls, community, creamery, or farm buildings and property...
California Insurance Code Section 6040.5
Insurers authorized to eliminate their assessment liability in accordance with the terms of this chapter (commencing with Section 5050) shall not be...
California Insurance Code Section 6041
Insurance permitted by this chapter upon personal property owned by the insured, including automobiles and livestock, shall continue in full force...
California Insurance Code Section 6042
Policies may be executed for any time not exceeding five years and not extending beyond the time limited for the existence of the insurer.
California Insurance Code Section 6043
All members of such an insurer shall agree in writing to pay their pro rata share to the insurer of the necessary expense and loss sustained by any...
California Insurance Code Section 6044
All such insurers shall classify the subject matter insured by them at the time of issuing policies thereon. Such classification shall be under...
California Insurance Code Section 6045
For the purpose of this chapter: (a) "A city or town block" is an area of not more than one hundred sixty thousand square feet having at least one
California Insurance Code Section 6047
Except as provided in this section, such insurer shall not issue policies to an amount in excess of six thousand dollars ($6,000) on any one risk,...
California Insurance Code Section 6048
Except as provided in Section 6041 such insurer shall insure only property within the limits of the county wherein it is organized, or in a county...
California Insurance Code Section 6049
Such an insurer shall not assume any risks on property situated within any one block of a closely built-up district or of territory within the limit...
California Insurance Code Section 6050
Where the amount of insurance in policies already written equals the amount limited by the provisions of this article, no additional insurance shall...
California Insurance Code Section 6070
Any such insurer may accept reinsurance under any agreement for reinsurance between two or more county mutual fire insurers or from any authorized...
California Insurance Code Section 6071
Any such insurer may cede reinsurance provided the amount retained by the originating insurer shall be not less than 10 percent nor less than five...
California Insurance Code Section 6072
The restrictions imposed by this chapter upon any insurer as to original insurance shall apply to reinsurance written by it.
California Insurance Code Section 6090
Every member of such insurer who sustains loss by any hazard covered by his policy shall immediately notify the insurer in accordance with the terms...
California Insurance Code Section 6091
An action may be brought and maintained against any such insurer by its members to recover for losses insured against by the insurer, if payment is...
California Insurance Code Section 7010
When any loss exceeds in amount the cash funds of the insurer and also exceeds one-eighth of one per cent of the total amount of the insurer's...
California Insurance Code Section 7011
Upon being convened for the purpose, the directors shall make an assessment upon all of the property insured in the insurer. Such assessment shall...
California Insurance Code Section 7012
When the amount of such loss does not exceed one-eighth of one per cent of the total amount of insurance in force in the insurer, its directors may,...
California Insurance Code Section 7013
The term of any such loan shall not be greater than twelve months nor shall the date of maturity be in excess of thirty days beyond the date of the...
California Insurance Code Section 7014
The board of directors may at its annual meeting levy an assessment not to exceed twenty-five cents on the $100 of the first class of insurance and a
California Insurance Code Section 7015
(a) No assessment or assessments may be levied upon any policy in excess of three times the amount of the premium named therein. The liability to...
California Insurance Code Section 7015.5
The commissioner shall charge and collect in advance a fee of seventy-four dollars ($74) for issuing a certificate under this article, or for...
California Insurance Code Section 7016
The secretary, whenever such an assessment is made, shall immediately notify every policyholder in such insurer either personally, by agent, or by...
California Insurance Code Section 7017
The insurer may bring an action against any member who neglects or refuses to pay an assessment made upon him under the provisions of this chapter,...
California Insurance Code Section 7018
A director of any such insurer who wilfully refuses or neglects to perform the duties imposed upon him by law or by the insurer's by-laws shall be...
California Insurance Code Section 7030
The secretary shall prepare an annual statement, showing the condition of such insurer on December thirty-first preceding the annual meeting. He...
California Insurance Code Section 7031
The president and secretary shall, on or before the first day of March of each year, prepare, under oath, and transmit to the commissioner a...
California Insurance Code Section 7040
Notwithstanding the provisions of Section 900 of the Corporations Code, any two or more of such insurers may merge. The plan and agreement by which...
California Insurance Code Section 7041
When any such plan and agreement shall have been approved by the commissioner, with changes, if any required by him, the same shall be approved by a...
California Insurance Code Section 7042
If the vote is in the affirmative a certified copy of all proceedings relating to the proposed merger shall be filed with the commissioner. If the...
California Insurance Code Section 7043
After any merger made under the provisions of this article shall have been completed, the surviving corporation shall be deemed, for the purpose of...
California Insurance Code Section 7044
Any plan of merger under this article shall provide that all rights and properties of the parties to the plan of merger shall accrue to and become...
California Insurance Code Section 7044.5
Any one or more county mutual fire insurers, by following the procedure of this article, may merge into a general mutual insurer described in Chapter
California Insurance Code Section 7045
The board of directors of any county mutual fire insurer that desires to commence proceedings for transformation of such insurer to a general mutual...
California Insurance Code Section 7046
After the commissioner has granted tentative approval of any such application, a county mutual fire insurer that shall meet the financial...
California Insurance Code Section 7047
The meeting called for the purpose of transformation, shall be preceded by a written or printed notice of the meeting and its purpose addressed to...
California Insurance Code Section 7048
Such corporation shall be a continuance of the original corporation by the same name or by any other name approved by the commissioner. Such...
California Insurance Code Section 7049
After the policyholders have elected such a transformation a county mutual insurer shall submit to the insurance commissioner for final approval of...
California Insurance Code Section 7050
Any such insurer may be proceeded against and dissolved in the same manner and upon the same conditions as in the case of other domestic incorporated
California Insurance Code Section 7060
The provisions of subdivision (f) of Section 381 and the provisions of Sections 382, 383, 384, 750, 751, 752, 753, 754, 755, 756, 757, 758, 759, 761,
California Insurance Code Section 7080
Five or more insurers, operating under Chapter 5 of this part and having insurance liabilities exceeding a total of $150,000 which they wish to...
California Insurance Code Section 7081
Upon payment in advance of two hundred fifty dollars ($250) cash, lawful money of the United States, to the commissioner for all services to be...
California Insurance Code Section 7082
The declaration shall be signed by the president and secretary of each of the incorporators. It shall be accompanied by a certified copy of a...
California Insurance Code Section 7083
The articles shall be executed by each incorporator through its president or secretary, each signature being acknowledged as required by the general...
California Insurance Code Section 7084
The commissioner shall examine the proposed articles of incorporation, and if they conform to this chapter, he shall deliver to such incorporators a...
California Insurance Code Section 7085
Upon filing with the Secretary of State of the articles of incorporation and the certificate provided for in Section 7084, the incorporation of the...
California Insurance Code Section 7086
Three delegates shall be elected by each member at its regular annual meeting to represent it at all meetings of the reinsurer.
California Insurance Code Section 7087
The delegates shall be elected by ballot and shall hold office for one year, or until their successors have been elected and qualified.
California Insurance Code Section 7088
The annual meeting of the members of the reinsurer shall be held on the third Monday in February of each year.
California Insurance Code Section 7089
At such meeting one director shall be elected from the delegates of each member so that the number of directors is equal to the number of members of...
California Insurance Code Section 7090
In the election of the first board of directors each member insurer shall be entitled to one vote. At every subsequent election, each delegate from...
California Insurance Code Section 7091
The directors of the reinsurer shall elect from their own number a president, a vice president, and an executive committee of three. They shall also
California Insurance Code Section 7092
The directors and all of such officers shall hold office for one year from the date of their election, and until their successors are elected and...
California Insurance Code Section 7093
The treasurer and secretary shall give bonds to the reinsurer in such amounts as are prescribed by the board of directors, conditioned upon the...
California Insurance Code Section 8010
Upon organizing under its articles of incorporation, such reinsurer may carry on a fire reinsurance business as provided by this chapter.
California Insurance Code Section 8011
Such reinsurer and its directors shall possess such of the usual powers, and be subject to such of the usual duties of corporations and directors...
California Insurance Code Section 8030
Any county mutual fire insurer in this State may become a member of such a reinsurer and entitled to all the rights and privileges appertaining...
California Insurance Code Section 8031
County mutual fire insurers, upon becoming members of such reinsurer, shall give it their written obligation binding themselves and their successors...
California Insurance Code Section 8050
Restrictions on risks as to "distances," "city or town block," "closely built up district," "one risk," and "clear space," in chapter 5 of this part...
California Insurance Code Section 8051
All such reinsurers shall classify the reinsured subject matter at the time of issuing policies thereon, under rates corresponding as nearly as...
California Insurance Code Section 8052
Such reinsurer may write reinsurance on property which is located in this State and which is insured in any member insurer.
California Insurance Code Section 8053
Such reinsurer shall not at any time write reinsurance, subject to one risk, in excess of five per cent of the total amount of reinsurance on its...
California Insurance Code Section 8070
A member of such reinsurer, upon sustaining loss covered by reinsurance, shall immediately notify the president or secretary, stating the amount of...
California Insurance Code Section 8071
The president and secretary shall proceed to ascertain the amount of such loss and make adjustment.
California Insurance Code Section 8072
If the claim is for more than five thousand dollars ($5,000), the secretary shall forthwith notify each member of the executive committee. At each...
California Insurance Code Section 8073
If in any case there is a failure of the parties to agree upon the amount of such loss they may submit the question of the amount to arbitration. In...
California Insurance Code Section 8074
If the two arbitrators thus appointed fail to agree upon the amount of such loss, they shall select a third disinterested person to act with them.
California Insurance Code Section 8075
Such arbitrators so appointed may examine witnesses and do all other things necessary to the proper determination of the amount of loss sustained by...
California Insurance Code Section 8076
The arbitrators shall make their award in writing to the president of the reinsurer and to the member. Such award shall be final as to the amount of
California Insurance Code Section 8077
The pay of each arbitrator shall be five dollars per day for each day's services rendered, and five cents for each mile necessarily traveled in the...
California Insurance Code Section 8078
The president and secretary of the reinsurer may secure the services of an adjuster to represent it on any loss, subject to confirmation by its...
California Insurance Code Section 8090
When the amount of any ascertained loss exceeds the cash funds of the reinsurer and also exceeds one-eighth of one per cent of the total amount of...
California Insurance Code Section 8091
When the amount of such loss does not exceed one-eighth of one per cent of the total amount of insurance in force in the reinsurer, the directors...
California Insurance Code Section 8092
The term of such loan shall not be longer than twelve months, and the date of maturity shall not be more than thirty days beyond the date of the next
California Insurance Code Section 8093
The board of directors may at their annual meeting levy an assessment not exceeding twenty-five cents on the $100 of reinsurance. The sum so raised...
California Insurance Code Section 8094
Whenever an assessment is made, the secretary shall immediately notify every member by registered letter addressed to the secretary of the member at...
California Insurance Code Section 8095
An action may be brought against any member of such reinsurer that neglects or refuses to pay the liabilities due such reinsurer.
California Insurance Code Section 8096
The directors of any such reinsurer who wilfully refuse or neglect to perform the duties imposed upon them by law or by the by-laws of the reinsurer...
California Insurance Code Section 8097
An action may also be brought and maintained against any such reinsurer by members thereof to recover sums owing them for losses sustained when...
California Insurance Code Section 9010
Any member of such reinsurer may cancel any policy of reinsurance at any time while the reinsurer continues its reinsurance business.
California Insurance Code Section 9011
The cancellation may be accomplished only by complying with all of the following requirements: (a) Surrender of policy for cancellation. (b)...
California Insurance Code Section 9012
The reinsurer may cancel or terminate any policy by giving the member ten days' written notice and returning to it any excess of premium paid during...
California Insurance Code Section 9030
The secretary shall prepare an annual statement, showing the condition of such reinsurer on December thirty-first and a supplemental report of the...
California Insurance Code Section 9031
The president and secretary shall, on or before the first day of March of each year, prepare under oath, and transmit to the commissioner, a...
California Insurance Code Section 9050
Any such reinsurer may be proceeded against and dissolved in the same manner and upon the same conditions as in the case of other domestic insurers.
California Insurance Code Section 9060
The provisions of Sections 980, 981, 982, 983, 984, 985, 986, 987, 988, 989, 990, 991, 992, and 993 shall not apply to county mutual fire reinsurers.
California Insurance Code Section 9080
Except as provided by this chapter, an association organized and operating on or before January 1, 1947, under this chapter is not governed by the...
California Insurance Code Section 9080.1
On and after January 1, 1954, no association shall transact insurance under this chapter unless it has theretofore received and continues to hold a...
California Insurance Code Section 9080.3
Any religious organization engaged in the business of writing fire insurance solely for its members and its churches on the effective date of this...
California Insurance Code Section 9081
Secret fraternal societies, having lodges, councils or granges in this State, conducting their business and securing their membership on the lodge,...
California Insurance Code Section 9082
Such association shall be formed by filing a certificate in the office of the Secretary of State and a like certificate in the office of the clerk of
California Insurance Code Section 9083
The officers of the association shall be members of the association, having property insured therein.
California Insurance Code Section 9084
Such an association may insure the property of its members against loss or damage by fire for an amount not exceeding ten thousand dollars ($10,000)...
California Insurance Code Section 9084.5
Such association shall not write insurance in excess of ten thousand dollars ($10,000) on any one risk nor in excess of sixty thousand dollars...
California Insurance Code Section 9085
A risk shall not be written by such association except for members in good standing on the books of the society forming the association. A...
California Insurance Code Section 9086
All such associations shall classify the property insured by them at the time of issuing policies on such property. The classification shall be...
California Insurance Code Section 9087
No property within the corporate limits of any city or town shall be insured except dwellings and the contents thereof, grange halls and the contents
California Insurance Code Section 9087.5
Section 9087 is not applicable to insurance covering an insurable interest of a member in property which was insured by the association prior to the...
California Insurance Code Section 9088
Such association shall provide in its by-laws for the ascertainment of loss or damage by fire, and for the payment thereof.
California Insurance Code Section 9089
Such association by and in its own name may: (a) Sue and be sued. (b) Loan such funds as it has on hand in such manner as its articles of...
California Insurance Code Section 9090
Such association creates a mutual agreement of its members to participate in each other's loss by fire.
California Insurance Code Section 9091
Every insured shall give to the association a written instrument binding him to pay his share, proportioned to his insurance in the association, of...
California Insurance Code Section 9092
Persons insuring property with the association shall, at the time of effecting the insurance, pay such a percentage in cash, and such other charges,...
California Insurance Code Section 9093
Policies of the association may be canceled by either party thereto. In such case settlement or adjustment shall be made in accordance with the...
California Insurance Code Section 9094
The secretary of each such association shall prepare an annual statement showing the financial condition of the association, including a statement of
California Insurance Code Section 9095
An association may, if it has issued an insurance policy against fire, endorse that policy to extend the coverage thereof to include loss or damage...
California Insurance Code Section 9096
An association certificated under this chapter is hereby declared to be a charitable and benevolent institution, and all of its funds shall be exempt
California Insurance Code Section 9097
An association or organization certified under this chapter may reinsure all of its policies with, and, upon the assumption of all of its...
California Insurance Code Section 9098
The plan and agreement by which any such transaction permitted by Section 9097 is to be effected shall be approved by the board of directors or other
California Insurance Code Section 9099
The commissioner shall examine such plan and agreement and may require such provisions to be inserted in the agreement and such actions to be taken...
California Insurance Code Section 9100
When any such plan and agreement shall have been approved by the commissioner with such changes, if any, required by him, the same shall be approved...
California Insurance Code Section 9101
The meeting of members at which the transaction is voted upon shall be preceded by a written or printed notice of the meeting and of the purpose to...
California Insurance Code Section 9102
If the members vote to approve the plan of reinsurance, transfer and assumption, a certified copy of all proceedings relating thereto shall be filed...
California Insurance Code Section 9103
The board of directors or other governing body of such organization or association shall file with the Secretary of State a duplicate original of the
California Insurance Code Section 10020
As used in this chapter, an underwriters' corps means a corps of men with proper officers and equipment, maintained to discover and prevent fires and
California Insurance Code Section 10021
This chapter shall not impair or interfere with the powers or duties of the regular fire department of any municipality.
California Insurance Code Section 10022
Any act of an underwriters' corps shall not justify any owner of any property in abandoning such property.
California Insurance Code Section 10040
Any domestic corporation of insurance underwriters, organized to discover and prevent fires and save life and property from fire and doing business...
California Insurance Code Section 10050
For the effective discharge of such duties, an underwriter's corps may enter any burning building or any building in which property is burning, or...
California Insurance Code Section 10051
Such corporation, with its officers and corps, when going to a fire with its equipment, has the same right of way as the regular fire department of...
California Insurance Code Section 10052
All ordinances passed by the municipal authorities of any city or town wherein such a corporation carries on business, and all laws of this State...
California Insurance Code Section 10070
In July of every year, there shall be held a meeting of every corporation created for the purpose specified in this chapter.
California Insurance Code Section 10071
Ten days' notice of the meeting shall be inserted in at least one daily newspaper published in the municipality in which the corporation is...
California Insurance Code Section 10072
At such meeting each insurer or insurance agent, doing a fire insurance business in the municipality, whether a member of the corporation or not, has
California Insurance Code Section 10073
A majority of the whole number so represented may decide the question of sustaining the fire patrol organized by the corporation and may fix the...
California Insurance Code Section 10074
The amount of expense so fixed shall not exceed two per cent of the aggregate premiums returned as received, as provided in section 10076. The whole
California Insurance Code Section 10075
Such assessment is collectible by and in the name of the corporation, in any court of competent jurisdiction, in such manner and at such time or...
California Insurance Code Section 10076
In order to pay persons employed by the corporation, and to maintain apparatus for saving life and property and suitable quarters the corporation may
California Insurance Code Section 10077
Each statement shall be under oath and shall be handed to the secretary of the corporation within ten days after each first day of July and each...
California Insurance Code Section 10078
The secretary of such corporation shall, within the prescribed ten days, by written demand signed by him, require the statement from every person...
California Insurance Code Section 10079
The demand may be delivered personally at the office of every person required to furnish the statement. Every such person, or officer thereof, who,...
California Insurance Code Section 10080
The corporation may bring action to recover such penalty, with costs, in any court of competent jurisdiction.
California Insurance Code Section 10081
No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter,...
California Insurance Code Section 10082
(a) The offer required by Section 10081 shall include coverage against risk of loss or damage from the peril of earthquake, in accordance with the...
California Insurance Code Section 10082.3
Notwithstanding any other provision of law, the following provisions regarding loss requirements, appraisals, and adjusters shall apply to the...
California Insurance Code Section 10082.5
(a) If an insurer subject to this chapter charges an additional earthquake insurance premium or deductible because a dwelling fails to comply with...
California Insurance Code Section 10083
(a) The offer of coverage required by Section 10081 may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a...
California Insurance Code Section 10084
An insurer which issues or delivers a policy of residential property insurance in this state may comply with the provisions of Section 10081 in any...
California Insurance Code Section 10085
If the insurer establishes proof of mailing or delivery of the required offer and the offer of earthquake coverage is not accepted by the named...
California Insurance Code Section 10086
(a) If an offer of earthquake coverage is accepted, the coverage shall be continued at the applicable rates and conditions for the policy term,...
California Insurance Code Section 10086.1
Where the offer of earthquake coverage has not been accepted, the insurer shall notify the named insured that the policy does not provide that...
California Insurance Code Section 10086.5
(a) The Legislature hereby finds and declares that the continued regulation of the business practices of insurers and their products is in the...
California Insurance Code Section 10087
(a) As used in this chapter "policy of residential property insurance" shall mean a policy insuring individually owned residential structures of not...
California Insurance Code Section 10087.5
(a) Every policy of residential property insurance which provides coverage for loss or damage to a structure from the peril of earthquake, but that...
California Insurance Code Section 10088
Notwithstanding the provisions of Section 530, 532, or any other provision of law, and in the absence of an endorsement or an additional policy...
California Insurance Code Section 10088.5
Notwithstanding Section 2081, nothing in Section 10088 exempts an insurer from its obligation under a fire insurance policy to cover the losses of a...
California Insurance Code Section 10089
(a) At a minimum, an offer of coverage of loss or damage caused by the peril of earthquake pursuant to Section 10081 shall include the following...
California Insurance Code Section 10089.1
To the extent that the coverage is not already provided in the minimum offer of coverage, every insurer shall offer the following optional coverage...
California Insurance Code Section 10089.2
(a) Subject to the approval of the commissioner, every insurer subject to this chapter shall, at the time of offering to issue or offer to renew...
California Insurance Code Section 10089.3
(a) The department shall adopt regulations setting forth standards governing the training of insurance adjusters in evaluating damage caused by...
California Insurance Code Section 10089.4
(a) No person may use a geographically based earthquake assessment system or program for the purpose of requiring earthquake insurance, or imposing a
California Insurance Code Section 10089.5
As used in this chapter: (a) "Authority" means the California Earthquake Authority. (b) "Available capital" means the sum of all moneys and...
California Insurance Code Section 10089.6
(a) There is hereby created the California Earthquake Authority, which shall be administered under the authority of the commissioner and have the...
California Insurance Code Section 10089.7
(a) The authority shall be governed by a three-member governing board consisting of the Go