California Insurance Code

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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All persons who, at the time this code goes into effect, hold office under any of the acts repealed by this code, which offices are...
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 scope, meaning,...
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...
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 required or authorized...
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...
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 subsection of the...
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 mark by a...
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 "State Industrial Accident Commission" or...
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 hearings. (b) An administrative law judge...
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 precedent to transaction...
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 conditions...
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 a trustee exercising...
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, disability, or health...
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...
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...
California Insurance Code Section 33
"Insurance broker" means a person who, for compensation and on behalf of another person, transacts insurance other than life, disability, or health with, but not...
California Insurance Code Section 33.5
(a) "Casualty broker-agent" means a person licensed pursuant to Section 1625. (b) "Property 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 property and casualty broker-agent acting as an insurance agent or insurance broker in transacting insurance...
California Insurance Code Section 35
"Transact" as applied to insurance includes any of the following: (a) Solicitation. (b) Negotiations preliminary to execution. (c) Execution of a contract of insurance. (d)...
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 value of...
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 general...
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 38.5
Any written notice required to be given or mailed to any person by an insurer relating to any insurance on risks or on operations in...
California Insurance Code Section 38.8
Insurers shall maintain a system for electronically confirming a policyholder's decision to opt in to an agreement to conduct transactions electronically and a system that...
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...
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...
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 the financial...
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 is initiated through...
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 furtherance of this policy it...
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 2...
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 insurance...
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. (7) Plate glass....
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 destruction of, or damage to,...
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 vehicles of every...
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 others interested therein...
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 guaranteeing bonds and undertakings required...
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 disablements resulting to the insured...
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, or resulting from liability for...
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 covering those persons defined...
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 dependents for injury sustained by the...
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 nonfatal, to any person...
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 accident to, boilers,...
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 damage to, any...
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 insurance against loss...
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, pumps, or other...
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 vehicles...
California Insurance Code Section 116
(a) Automobile insurance includes insurance of automobile owners, users, dealers, or others having insurable interests therein, against hazards incident to ownership, maintenance, operation, and use...
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 a failure of the lubricant,...
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 in Section 1791.2...
California Insurance Code Section 118
Aircraft insurance includes insurance of aircraft owners, users, dealers or others having insurable interests therein, against loss through hazards incident to ownership, maintenance, operation and...
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 paid under the...
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 insurance policies.
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 expenses related...
California Insurance Code Section 120
Miscellaneous insurance includes insurance against loss from damage done, directly or indirectly by lightning, windstorm, tornado, earthquake or insurance under an open policy indemnifying the...
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...
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 liability of the...
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 other provisions of law...
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 state...
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 superintendent of insurance of any...
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...
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 this...
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 mechanism, in...
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. (b) A purchasing...
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 Act...
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 state from...
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...
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...
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...
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, or...
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...
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 damnify the...
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. An expectancy,...
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...
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...
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...
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...
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...
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
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...
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...
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...
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 other:...
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...
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...
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...
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...
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 a...
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...
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 time...
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 policyholder that...
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...
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...
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 conform to...
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, mobilehomes, campers and...
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 case of...
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...
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 that...
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...
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...
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...
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: (1) The policyholder is...
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 calendar...
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...
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,...
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...
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...
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,...
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 unlawful at...
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 policy.
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 issued in this...
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 his or her premium if the policy is canceled,...
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 Section 481...
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...
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...
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...
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 by their...
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 the...
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 insured...
California Insurance Code Section 488.5
(a) An insurer shall not, in issuing or renewing a private automobile insurance policy to a peace officer, member of the Department of the California...
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...
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...
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 shall...
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
(a) (1) Notwithstanding any other law, an insurer issuing policies of automobile liability insurance or motor vehicle liability insurance shall, upon request of either the...
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...
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...
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,...
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,...
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...
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 any act...
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...
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...
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...
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...
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...
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...
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...
California Insurance Code Section 557.5
(a) A peace officer, member of the Department of the California Highway Patrol, or firefighter shall not be required to report, nor shall any employer...
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 motor vehicle,...
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...
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...
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 580
Every insurer required to make payment for a loss, may, with the consent of the insured, make payment by an electronic funds transfer. An insurer...
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 contribute ratably,...
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...
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 he possesses, whether...
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...
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 of...
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 insurance within the meaning...
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 insurance...
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 applicant...
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 combination thereof, delivered or issued...
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)...
California Insurance Code Section 662
(a) No notice of cancellation of a policy to which Section 661 applies shall be effective unless mailed or delivered by the insurer to the...
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...
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...
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,...
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...
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...
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...
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...
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, with respect...
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 this state insuring a single...
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 to...
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 Section...
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 described in Section 660, with...
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...
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...
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 department shall adopt...
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 notification...
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, residential care facilities for the elderly,...
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' compensation insurance,...
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: (a)...
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 for...
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...
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 against legal liability arising from...
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...
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), for purposes...
California Insurance Code Section 676.6
(a) This section applies to commercial umbrella liability insurance policies, commercial excess liability insurance policies, and commercial excess property insurance policies. (b) As used in...
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 accept...
California Insurance Code Section 676.75
(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 accept...
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 effective...
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 refuse...
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...
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...
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...
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 nonrenewal...
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...
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 that issues...
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...
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...
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...
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...
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...
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 in this state which...
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,...
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 in determining...
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...
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...
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...
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 the...
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, injured claimants and others...
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...
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 the...
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...
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...
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 and the incorporated attorney in...
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...
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 be applicable...
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 pursuant to Article...
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...
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,...
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...
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 and automobile insurance under...
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 classes of insurance,...
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, and for mortgage guaranty insurers by...
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, there...
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 expiration...
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 insurance in this...
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 an eligible surplus line insurer pursuant to Section 1765.1 may advertise in all media, provided that all of the...
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 part...
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 notice, that...
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 certificated...
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 holder...
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 a...
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 exhibiting its...
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 whenever, in...
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...
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 diminution...
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 to be filed,...
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 nature...
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...
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
(b) Upon request, a foreign or alien insurer shall file any change proved by certificates of custodian of the original, or by affidavit.
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, whether organized...
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 insurance...
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 of said applicant in respect...
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 such applicant...
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 717.5
(a) For purposes of Sections 700 and 717, the commissioner may determine that an insurer admitted and domiciled in this state, or an insurer applying...
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 not conduct its...
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 necessary or convenient to carry...
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 reference therein is...
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 therefor.
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 other natural person...
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 to engage...
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...
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 inspect and...
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 pursuant to this...
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 from...
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 or...
California Insurance Code Section 736
All examinations and analyses performed pursuant to Section 730 shall be at the expense of the insurer, organization, or person examined, except that special examinations...
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 1996-97 fiscal year...
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 examiner appointed by...
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 to...
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 been...
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...
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...
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 Adjusted...
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...
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...
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...
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 provisions...
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 registered...
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 medical,...
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, audiology, professional mental health, dental,...
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,...
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 provider organizations was established by Congress...
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 United...
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 years...
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 meet the...
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 resident of this state...
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 following requirements: (a)...
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 subdivision (n) of Section...
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 of the multiple employer welfare...
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 benefits and coverages provided....
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 arrangement if the department...
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 benefits: (a) Medical, dental, optical,...
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 arrangement shall apply...
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 the employers participating in the...
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 with the commissioner: (a) No...
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 self-funded multiple employer...
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 period of five...
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 (A) THE MULTIPLE EMPLOYER...
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, and if it determines that...
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 expiration...
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 holder of...
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 certificate...
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 terms and...
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 welfare...
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 dependents, regardless of individual...
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 inconsistent, govern multiple employer...
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 United States
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...
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...
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 automobile repair...
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...
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...
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...
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 methodology...
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...
California Insurance Code Section 759
This article establishes consumer protections in connection with retail sales practices, solicitations, advertising, or offers of any insurance product or annuity to a consumer by...
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) "Depository...
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...
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 insurance products or annuities physically segregated...
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...
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 section, each insurer shall...
California Insurance Code Section 769.55
(a) Notwithstanding any other provision of this code, for the purposes of Chapter 6 (commencing with Section 520) through Chapter 11 (commencing with Section 675),...
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 that holds a...
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...
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...
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...
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...
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...
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...
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, brokers, or companies,...
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...
California Insurance Code Section 771.02
(a) When a lender or purchaser of a mortgage on real property has required and obtained a copy of the insurance policy covering that real...
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 Professions...
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
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...
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, however,...
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...
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...
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 certificate or license...
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 the...
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 charges shall...
California Insurance Code Section 778.4
(a) Every property broker-agent and every 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 article is...
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 article,...
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 issued to debtors on...
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 than,...
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 debtor...
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 evidenced by an individual policy,...
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 certificate...
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 delivery in this state and the...
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 for insurance, endorsements and...
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, whether of...
California Insurance Code Section 779.11
The provisions of subdivisions (f) and (g) 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 review.
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)...
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 shall...
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 to the...
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 certificate...
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 of whether the...
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 insurer,...
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. All claims shall...
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 the creditor, have...
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 provisions...
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 pertaining thereto have...
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, promulgate regulations setting forth...
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 scope of their license shall...
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 physical conditions for which the...
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 commissions, contingent...
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 credit disability...
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 loss ratios, with...
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...
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...
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 accordance with the...
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 commissioner,...
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...
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,...
California Insurance Code Section 785.1
(a) (1) An insurance broker or agent shall not participate in, be associated with, or employ any party that participates in, or is associated with,...
California Insurance Code Section 785.4
(a) It shall be unlawful for any insurance agent who is not licensed as an attorney to deliver to a person who is 65 years...
California Insurance Code Section 785.5
An insurance broker or agent shall not participate in, be associated with, or employ any party that participates in, or is associated with, obtaining veterans...
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 examination period...
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 that is directed towards persons 65 years of...
California Insurance Code Section 787.1
(a) The following definitions apply to this section: (1) "Senior designation" means any degree, title, credential, certificate, certification, accreditation, or approval, that expresses or implies...
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 insurance providing health...
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 unnecessarily....
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 results...
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 transaction of insurance or...
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 provisions...
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 benefits that have...
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 aged 65 years...
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...
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...
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 insureds...
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...
California Insurance Code Section 790.01
This article applies to reciprocal and interinsurance exchanges, Lloyds insurers, fraternal benefit societies, fraternal fire insurers, grants and annuities societies, insurers holding certificates of exemptions,...
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...
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) Making, issuing,...
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 insurance as defined in...
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 practices by classes...
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...
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...
California Insurance Code Section 790.037
(a) It is an unfair business practice for a health insurance agent or broker to sell, solicit, or negotiate the purchase of health insurance by...
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, denials, suspensions...
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 shall...
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 amendments and additions thereto,...
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...
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 transactions by 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 October 1, 1981: (1)...
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 insurance coverage that...
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 connection with an insurance transaction;...
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 transactions as provided...
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 an individual in connection...
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 authorization form in connection with insurance transactions...
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 connection with an insurance transaction...
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 for access to recorded personal information...
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 applicant, policyholder,...
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) Any previous adverse underwriting decision experienced by...
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...
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 collected or received in connection with an...
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 state to...
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 conduct in this...
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 this state...
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 organization charged has engaged in conduct...
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 rights granted under...
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 privileged information...
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 under false pretenses shall be fined...
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 deemed to...
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 directly or indirectly...
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 those policies...
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...
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 requires: (a) "Association" means...
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 requirements of any...
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 broker, insurance solicitor or...
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 relating thereto shall be filed with...
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 writing of a resident...
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 prosecution...
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 demand, disclose...
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 (commencing with Section 14000)...
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 under a policyholder's...
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 and Drug...
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 may...
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...
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...
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 insurance or...
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 with Section 791). On...
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...
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, notwithstanding...
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 common carriers...
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, rescind...
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 this state...
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 of...
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 dollars...
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 nonadmitted insurer by...
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 direct negotiation...
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 negotiation...
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...
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 the...
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 interest in...
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...
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...
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 insurance or...
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...
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...
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 described...
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,...
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 proposed insurers. Applications for...
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 property broker-agents or casualty broker-agents,...
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 subscribed thereto,...
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 his...
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...
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...
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...
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 partnership...
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...
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...
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 and the permit authorizes...
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 securities...
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, limiting the expense...
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...
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...
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...
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, payable...
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 association....
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 shall issue...
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 issued by...
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 concerning...
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, unjust, or...
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 the...
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 publishing...
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, for a permit to...
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 ($118) for the first...
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 capacity...
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 fact, every motor club,...
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 proposed...
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...
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 Secretary...
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, 2106.5,...
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 and registration...
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...
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) The...
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 be secured...
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 grounds set...
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 effect on the validity...
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...
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, including required auditor and...
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...
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 supplemental to such annual...
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...
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 disbursements,...
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 the...
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,...
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 generally, that assuming...
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 922.4...
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 financial...
California Insurance Code Section 922.31
(a) A ceding insurer shall take steps to manage its reinsurance recoverables proportionate to its own book of business. A domestic ceding insurer shall notify...
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 only...
California Insurance Code Section 922.41
(a) Credit shall be allowed a domestic insurer when the reinsurance is ceded to an assuming insurer that has been certified by the commissioner as...
California Insurance Code Section 922.42
(a) If an accredited or certified reinsurer ceases to meet the requirements for accreditation or certification, the commissioner may suspend or revoke the reinsurer's accreditation...
California Insurance Code Section 922.43
The actual costs and expenses incurred by the department in reviewing requests for accreditation or certification, trusts, and subsequent amendments established or maintained pursuant to...
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
Credit for reinsurance shall not be denied a foreign ceding insurer to the extent that credit is recognized by the ceding insurer' s domestic state...
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 of the following:...
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 reasonable...
California Insurance Code Section 922.85
The commissioner may adopt regulations in accordance with the procedures provided in Chapter 3.5 (commencing with Section 11340) of Part 1 of Division 3 of...
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, anniversary, or...
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 thereto for...
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 payment...
California Insurance Code Section 923.6
(a) Every admitted property and casualty insurer, unless otherwise exempted by the domiciliary commissioner, shall annually submit the opinion of an Appointed Actuary entitled "Statement...
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 regulatory...
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 other independent professional financial person...
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 other relevant documents of...
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 into...
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: (1) The...
California Insurance Code Section 926.2
(a) (1) Each insurer admitted in California shall provide information, by January 1, 2014, to the commissioner on all of its community development investments and...
California Insurance Code Section 926.3
(a) It is the policy of the State of California that (1) insurers should, where practicable, be supportive of community development investments and community development...
California Insurance Code Section 927
The Legislature finds and declares all of the following: (a) It is in the state's interest to encourage competitive business opportunities for all of its...
California Insurance Code Section 927.1
For the purposes of this article, the following definitions apply: (a) "Control" means to exercise the power to make policy decisions. (b) "Disabled veteran business...
California Insurance Code Section 927.2
(a) (1) By July 1, 2013, each admitted insurer, with California premiums written of one hundred million dollars ($100,000,000) or more, shall submit a report...
California Insurance Code Section 927.3
This article shall remain in effect only until January 1, 2019, and as of that date is repealed, unless a later enacted statute, that is...
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,...
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 task forces, their delegates, National...
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 Insurance Commissioners' Insurance Regulatory Information...
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 statement with...
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, whenever (a)...
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 securities or...
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 only at...
California Insurance Code Section 942
The commissioner shall permit a deposit of those securities in the State Treasury, subject to the provisions of Section 11691, if applicable. The securities deposited...
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 from...
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 making...
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...
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 shall issue to such...
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 certificate...
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 under such policies...
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...
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...
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...
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 categories.
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 exhausting its required insurance...
California Insurance Code Section 985
(a) On or after January 1, 1970, as used in this article and in paragraph (9) of subdivision (a) of Section 1011, "insolvency" means either...
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...
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 paragraph (1)...
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 as to...
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...
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...
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 the insurer,...
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 insurer shall promptly notify...
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 time, and policy by...
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 liability, as part of its unearned...
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 premium tax liability set forth...
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 contingent or retrospective commission...
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 with Section 980),...
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 commissioner, or purporting...
California Insurance Code Section 1011
(a) The superior court of the county in which the principal office of a person described in Section 1010 is located, upon the filing by...
California Insurance Code Section 1011.1
If a verified application is filed pursuant to Section 1011 that shows that the conditions set forth in subdivision (b) of Section 1011 exist and...
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 accompanied...
California Insurance Code Section 1012
Except in the case of an order issued based on a verified application showing the conditions in subdivision (b) of Section 1011 to exist, the...
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...
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 accordance with the provisions...
California Insurance Code Section 1016
(a) If at any time after the issuance of an order under Section 1011, or if at the time of instituting any proceeding under this...
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 apply for,...
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...
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, shareholders and...
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...
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, shareholders, and...
California Insurance Code Section 1022
The notice shall be published in newspapers of general circulation in geographic areas pertinent to the liquidation. The notice shall reference a source, either the...
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. (b) Whether said...
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,...
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 claims...
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: (a) File a claim...
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...
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...
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...
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 liability...
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...
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...
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...
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 unearned...
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 person,...
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...
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 claims of...
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 Insurance Guarantee Association, and...
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...
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 commissioners, as...
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 requirements that would apply if...
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) Within 120 days of...
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...
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 otherwise expressly...
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...
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...
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...
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 under oath upon...
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 such...
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 business...
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 price and...
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 insurer and then in...
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 directing...
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...
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...
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 shareholder,...
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 cease to hold office,...
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 contracts except as...
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 issuing policies of the...
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,...
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 determine,...
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...
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 jurisdiction over...
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...
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 this state of...
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 claimants when...
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 commissioner on matters...
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 they...
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 insolvent...
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...
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 her...
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 occupation taxes levied or assessed...
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 examiner,...
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 necessary to...
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 circumstances be...
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 recoup over...
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 for,...
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...
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 with Section 1063.50)...
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...
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 through the collection of...
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" means the California Insurance...
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 insurance...
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 1063.53 may...
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...
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 the order....
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 the...
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 proceeds...
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 the...
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...
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, all municipalities...
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...
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 that it determines...
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...
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 judgment in connection with...
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 through the collection of...
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 "CIGA," "commissioner," "board,"...
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...
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 claim obligations for...
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 amount necessary to...
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, 2023, in an aggregate...
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...
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 determines are necessary...
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, rehabilitation, reorganization, or conservation...
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...
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 claims either...
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 this state...
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 if like...
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...
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...
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, or execution...
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...
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 provisions...
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 interpreted and construed...
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 company pursuant to...
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 conducting its business...
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 injury...
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...
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...
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...
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...
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 performance of...
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, regardless...
California Insurance Code Section 1067.03
This article shall be liberally construed to effect the purpose under Section 1067.01.
California Insurance Code Section 1067.04
As used in this article: (a) "Account" means either of the two accounts created under Section 1067.05. (b) "Association" means the California Life and Health...
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...
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 Association, the following...
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...
California Insurance Code Section 1067.07
(a) If a member insurer is an impaired insurer, the association may, in its discretion, and subject to any conditions imposed by the association that...
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...
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 ensure the fair, reasonable,...
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 of...
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) This article shall not be construed to reduce the liability for unpaid assessments of the insureds of an impaired or insolvent insurer operating under...
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 Governor, and 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...
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...
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 180 days from...
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 cause directly...
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 1067.19
The amendments made to this article by Chapter 334 of the Statutes of 2010 during the 2009-10 Regular Session of the Legislature shall not apply...
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 comparable...
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 violations of this...
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 from...
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 authority admitting...
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 consolidation into another...
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 published in the...
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...
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 authority admitting any...
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 commissioner...
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 the
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 into contracts...
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 Insurance Fund....
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 commissioner's...
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, records, and other information in...
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 may provide that the...
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, rehabilitation, or liquidation proceedings or other...
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 representative of...
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...
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 may merge, consolidate or...
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 commissioner's prior...
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 proceedings under this...
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...
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 699), engage in this...
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, unless otherwise provided...
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 guaranteed by...
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...
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...
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...
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, sell...
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...
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 such rules and...
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, convertible,...
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 loan...
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...
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 pursuant to Section...
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 commissioner's approval...
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 referred...
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 on a risk,...
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 not...
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...
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 other corporations.
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 commissioner, an existing...
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, permit an insurer...
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 section and, if...
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...
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...
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 therein and...
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 benevolent...
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 securities,...
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...
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...
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...
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...
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 which...
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 certificates...
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 investment by...
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 issued under the Federal Farm...
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...
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, savings and loan associations, or credit unions to the extent...
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 material nonrenewals, cancellations, or revisions...
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 purposes of...
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, cancellations, or revisions are not...
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...
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...
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 dollars...
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 subdivision (f) of Section...
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 and Development, or...
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...
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 ($200,000,000) in...
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, mortgage-backed bond, or...
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 investments in participation...
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 investments pursuant...
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 Investment Company Act...
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 this section. The pools...
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 from distributions...
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...
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 improvements...
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 obligations...
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 issued...
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...
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 criteria of...
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 liens,...
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)...
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 building in...
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 1194.86, use its...
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 provisions of...
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...
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 obligation is interest or income-bearing within...
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) In...
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 to any...
California Insurance Code Section 1197
Excess funds investments shall not be made in a loan or any other obligation to any one borrower or obligor, including all affiliates which shall...
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...
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 provisions of...
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 (commencing with Section...
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 statement value options,...
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 ($25,000,000), after investing...
California Insurance Code Section 1215
As used in this article, the following terms shall have the respective meanings hereafter set forth, unless the context shall otherwise require: (a) An "affiliate"...
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...
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) Effectuation or...
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...
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. (2) Charges or...
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 Section...
California Insurance Code Section 1215.7
(a) With respect to any insurer registered under Section 1215.4, and in accordance with subdivision (c), the commissioner shall also have the power to participate...
California Insurance Code Section 1215.8
(a) 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 1215.9
The commissioner may, upon notice and opportunity for all interested persons to be heard, issue such rules, regulations, and orders as shall be necessary to...
California Insurance Code Section 1215.10
(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 1215.11
(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...
California Insurance Code Section 1215.12
Whenever it appears to the commissioner that any person has committed a violation of this article which so impairs the financial condition of a domestic...
California Insurance Code Section 1215.13
Whenever it appears to the commissioner that any person has committed a violation of this article which makes the continued operation of an insurer contrary...
California Insurance Code Section 1215.14
(a) For the purposes of this article only, every foreign insurer, except an insurer described in Article 2 (commencing with Section 12350) of Chapter 1...
California Insurance Code Section 1215.15
(a) The provisions of this article shall not apply to any party or entity participating in any investment by a home protection company in its...
California Insurance Code Section 1215.16
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 1215.17
If any provision of this article or the application thereof to any person or circumstance is held invalid, the invalidity shall not affect other provisions...
California Insurance Code Section 1215.18
(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 or regulatory...
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...
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...
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 relationship between the producer...
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 regulation or...
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...
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 contain a...
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 published by Moody's Investors Service,...
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 setting...
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...
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...
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 reinstatement...
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 agrees in...
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) "Foreign investment" means...
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 acquire foreign investments...
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 jurisdiction, if that...
California Insurance Code Section 1241.2
(a) The Legislature finds and declares all of the following: (1) The federal Securities and Exchange Commission has determined that business activities in foreign states...
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, an investment under...
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...
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...
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...
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...
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,...
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 transactions between members...
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 which...
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 contracts between members of,...
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 or...
California Insurance Code Section 1281
Reciprocal or interinsurance contracts, the exchange thereof, the subscribers, attorneys in fact, agents, and representatives, and all matters incident to or concerned with such contracts...
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, attorneys in fact, agents, and...
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 this section...
California Insurance Code Section 1300
Any persons may exchange reciprocal or interinsurance contracts with one another providing insurance, other than life, title, mortgage, mortgage guaranty, or insolvency insurance, among themselves...
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 to enter into...
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 insurer while each subscriber...
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 attorney. Such authorized...
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 power....
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 exchange and...
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...
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 hospital,...
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 amount...
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 under Section 1401.5...
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 by such order have...
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 any purpose...
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 forms used...
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 such name...
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 in...
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 the...
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...
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 moneys and...
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...
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...
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 application...
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,...
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...
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) shall on and after...
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 liabilities...
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 liabilities...
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 time...
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 liabilities the same...
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 subscribers and which...
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 whole...
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 that any exchange may apply...
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 required surplus, 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...
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 premium...
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 the...
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 such...
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 no...
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 liability...
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 his...
California Insurance Code Section 1401
If an exchange has a surplus of admitted assets over all liabilities in a sum equal to 1 1/2 times the minimum paid-in capital required...
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 period terminating...
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...
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 not...
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 limited...
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 time. The...
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 brokers. (b) The right to...
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 information obtained from...
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...
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 interests
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 if...
California Insurance Code Section 1500
The provisions of this code regarding the appointment, licensing, qualification and regulation of insurance agents, brokers and solicitors, apply neither to the attorney-in-fact of a...
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 the kind and...
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 solicited without...
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...
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...
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 unite with or become...
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...
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...
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 approval...
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 plan...
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 article...
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 stock insurer. To...
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 adopts...
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 reciprocal insurer...
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 public hearing...
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 the...
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, directors, employees,...
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 whatsoever, other than regular salary...
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 governing board,...
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 corporation, the...
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...
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 officers of...
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, proposed 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, shall...
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 provisions...
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 filing...
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 insurer...
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...
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 the deposit required...
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 policies on...
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 such alien...
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...
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...
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 with the name...
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 deposited...
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 items...
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...
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...
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...
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...
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, in...
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...
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 maintain in the...
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 such...
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) of...
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...
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 stipulation, executed by...
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 manner...
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...
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...
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...
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...
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 alien...
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,...
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 Chapter 1 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 estimate,...
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 invalidity shall...
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, other than life, disability, or health insurance, on behalf of an admitted insurance company. The term...
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...
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, disability, or health insurance...
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) A property licensee or a casualty licensee is a person authorized to act as an insurance agent, broker, or solicitor, and a property broker-agent...
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 recreational vehicles used 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 automobile insurance...
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 on the date...
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 Section...
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...
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...
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...
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 Division...
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...
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 regulations relating...
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...
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...
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...
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 she meets...
California Insurance Code Section 1639
The following types of licenses under this chapter may be issued to nonresidents: (a) A property broker-agent or a casualty broker-agent if the nonresident is...
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 according...
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...
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 connection with...
California Insurance Code Section 1644
A person under 18 years of age is not eligible to apply for a license pursuant to this chapter, Chapter 5A (commencing with Section 1759),...
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 it to...
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 (commencing with...
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 property broker-agent, casualty...
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. (c)...
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...
California Insurance Code Section 1652
(a) A license under this chapter, Chapter 5A (commencing with Section 1759), Chapter 6 (commencing with Section 1760), Chapter 7 (commencing with Section 1800), and...
California Insurance Code Section 1655
No application for a license shall be deemed filed unless the document has been submitted by a means of electronic service approved by the commissioner,...
California Insurance Code Section 1656
Every applicant for an organizational license shall provide the names of all licensed 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...
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 of the...
California Insurance Code Section 1661
Whenever an organization licensed as a life agent, property broker-agent, casualty broker-agent, personal lines broker-agent, or limited lines automobile insurance agent desires to change, remove,...
California Insurance Code Section 1662
A property broker-agent and a casualty broker-agent shall, prior to acting in the capacity of an insurance broker, file and continuously maintain in force the...
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...
California Insurance Code Section 1665
The bond of a property broker-agent and a casualty broker-agent shall be in the amount of ten thousand dollars ($10,000). Individuals and organizations licensed for...
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 require...
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 Chapter...
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...
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 perform the...
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 pursuant...
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...
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 qualifications for the...
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 this article:...
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 the...
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 may...
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 promulgated...
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, engaging in,...
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...
California Insurance Code Section 1683
An applicant shall schedule or reschedule his or her qualifying examination using an electronic service approved by the commissioner. If an applicant fails to appear...
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 natural...
California Insurance Code Section 1685
The commissioner may issue to an eligible person 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 shall be one of the following: (a) The executor or administrator of the estate...
California Insurance Code Section 1687
Except as provided in Section 1637, to be eligible for a military service certificate of convenience, a person is required to be nominated therefor by...
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 the commissioner...
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 force beyond...
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 the holder of a...
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) Upon the qualification...
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 Chapter 7 (commencing...
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...
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 property broker-agent or 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 shall be filed...
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...
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 property, casualty, or life...
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 December 31 for...
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...
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...
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 insurance thereunder;...
California Insurance Code Section 1712.5
(a) The license of an organization licensed as a property broker-agent, 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 natural
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...
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 with those license renewals taking place in
California Insurance Code Section 1718
(a) Not less than 60 days before a permanent license will expire, the commissioner may use an electronic delivery method, including e-mail or other similar...
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 the...
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...
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 Section 1800),...
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...
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 individual...
California Insurance Code Section 1725
Every license to act as a property broker-agent and every license to act as a casualty broker-agent shall be prominently displayed by the holder thereof...
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 cause to...
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 maintained by those...
California Insurance Code Section 1728
Every resident insurance property broker-agent and every resident insurance casualty broker-agent shall maintain a principal office in this state for the transaction of business. The...
California Insurance Code Section 1729
Every licensee and every applicant for a license shall immediately notify the commissioner using an electronic service approved by the commissioner of any change in...
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 application has...
California Insurance Code Section 1729.5
A property broker-agent, casualty broker-agent, or life agent who has a service contract with a corporation licensed under this code or who is a stockholder...
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 the...
California Insurance Code Section 1730.5
A life agent, a property broker-agent, and a casualty broker-agent shall provide to all insureds or applicants at the time of application or receipt of...
California Insurance Code Section 1730.6
(a) Every property broker-agent and every casualty broker-agent shall, prior to arranging premium financing or transacting any agreement for the periodic payment of premium for...
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...
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 and...
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 Section 1760),...
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, to act in any of...
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, temporary license,...
California Insurance Code Section 1735
(a) As used in this section, a managing general agent is a licensed property broker-agent and casualty broker-agent, or a life agent to whom all...
California Insurance Code Section 1735.5
A property broker-agent, casualty broker-agent, or surplus line broker may offset funds due an insured for return premiums on any policy against amounts due him...
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...
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 or...
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 licensed
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...
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 65 or over...
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 this...
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...
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...
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 than...
California Insurance Code Section 1742.3
(a) The commissioner may, without hearing, issue an order denying an application by a business entity for an unrestricted license and granting instead a restricted...
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...
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...
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 pursuant to this...
California Insurance Code Section 1747
Whenever the commissioner may determine or have good cause to believe that any property broker-agent or 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 under Chapter 5 (commencing...
California Insurance Code Section 1749
The department shall require all new applicants for license as a property broker-agent, casualty broker-agent, limited lines automobile insurance agent, personal lines broker-agent, life-only agent,...
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...
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 contract, or other medical...
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, representatives of insurance companies, consumer...
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 licensed as property broker-agents, casualty...
California Insurance Code Section 1749.3
An individual licensed as a life-only agent or an accident and health agent and also licensed as a property or casualty broker-agent, or an individual...
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 seminars approved by the commissioner. The...
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 instruction, or seminars approved by the...
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 be completed...
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 the number of classroom...
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...
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) Every life agent who sells annuities shall satisfactorily complete eight hours of training prior to soliciting individual consumers in order to sell annuities. (b)...
California Insurance Code Section 1749.85
(a) The curriculum committee shall, in 2006, make recommendations to the commissioner to instruct property broker-agents, casualty broker-agents, and personal lines broker-agents and applicants for...
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 outstanding licenses, an...
California Insurance Code Section 1750.5
(a) The fee for filing an application for a nonresident license described in Section 1639, and renewal thereof or changes in outstanding licenses, shall be...
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 a copartnership licensed...
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 continuing education...
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 to...
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 (commencing with...
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 person...
California Insurance Code Section 1751.7
The commissioner may periodically publish a newsletter containing summaries of rules, regulations, interpretative opinions, and such other information as he deems important to the proper...
California Insurance Code Section 1752
The commissioner may issue a limited lines travel insurance agent license to any organization engaged in transacting travel insurance through travel retailers not otherwise meeting...
California Insurance Code Section 1753
As used in this article, the following terms have the following meanings: (a) "Limited lines travel insurance agent" means an insurer designee that is licensed...
California Insurance Code Section 1754
Transaction of travel insurance under the license of an organization holding a limited lines travel insurance agent license shall be subject to the following conditions:...
California Insurance Code Section 1755
(a) An applicant for a limited lines travel insurance agent license under this article shall submit the following documents to the commissioner: (1) A written...
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 applicable to...
California Insurance Code Section 1757
The commissioner may adopt rules and regulations for the implementation of this article.
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...
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...
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 the licensing and renewal of...
California Insurance Code Section 1758.1
(a) For the purpose of making provision for the issuance of policies or contracts authorized by Article 5 (commencing with Section 10506) of Chapter 5...
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 and registration in accordance...
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 registered to...
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 rules and...
California Insurance Code Section 1758.6
No portable electronics vendor shall offer or sell any form of portable electronics insurance in this state unless that person is licensed as an insurance...
California Insurance Code Section 1758.61
The commissioner may issue to an applicant that has complied with the requirements of this article a portable electronics insurance agent license that authorizes the...
California Insurance Code Section 1758.62
(a) An applicant for a portable electronics insurance agent license under this article shall submit all of the following to the commissioner: (1) A written...
California Insurance Code Section 1758.63
An endorsee of a portable electronics vendor that has been issued a portable electronics insurance agent license pursuant to this article may sell or offer...
California Insurance Code Section 1758.64
An endorsee may act on behalf of and under the supervision of the portable electronics insurance agent in matters relating to transacting insurance under that...
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...
California Insurance Code Section 1758.66
A portable electronics insurance agent shall not sell insurance pursuant to this article by unsolicited telephone calls or otherwise unless, at the time of sale,...
California Insurance Code Section 1758.661
Charges for portable electronics insurance may be billed and collected by a portable electronics insurance agent licensee. A licensee shall not be required to maintain...
California Insurance Code Section 1758.67
Under the authority of the portable electronics insurance agent license, a portable electronics insurance agent shall not do any of the following: (a) Offer to...
California Insurance Code Section 1758.68
Any insurer that provides insurance to be sold by an organization licensed as a portable electronics insurance agent shall file a copy of any individual...
California Insurance Code Section 1758.69
As used in this article, the following definitions have the following meanings: (a) "Endorsee" means an unlicensed employee or authorized representative of a portable electronics...
California Insurance Code Section 1758.691
Nothing in this article regulating the sale of portable electronics insurance shall be construed to impair or impede the application of any other law regulating...
California Insurance Code Section 1758.692
(a) Not less than 60 days before a permanent license will expire, the commissioner may use an electronic delivery method, including e-mail or other similar...
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 of this...
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 requirements of...
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 licensure signed by...
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: (1) Each employee shall...
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 with respect...
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 agent provides brochures...
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 fiduciary capacity...
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, authorized rental...
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 storage space...
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 facilities. The rules shall...
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...
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 application for...
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...
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...
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...
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...
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 of...
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 fiduciary capacity...
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...
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 beginning as described...
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...
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 application...
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...
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 organization's...
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...
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...
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: (a)...
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 telephone number on...
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 enrollments or applications from...
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 the...
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, residents of...
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 retained as part...
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 and five years...
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 of...
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 insurer...
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, or, with...
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 shall in no...
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 individuals, advising them of...
California Insurance Code Section 1759.10
A person shall not act as, or hold himself or herself out to be, an administrator in this state, other than an adjuster licensed in...
California Insurance Code Section 1760
(a) (1) A home state insured, as defined in subdivision (f) of Section 1760.1, may negotiate and effect insurance to protect himself, herself, or itself...
California Insurance Code Section 1760.1
For the purposes of this chapter, the following terms have the following definitions: (a) "Certified" means an originally signed or sealed statement, dated not more...
California Insurance Code Section 1760.2
The surplus line broker shall be responsible for determining whether an applicant for nonadmitted insurance is a California home state insured. A surplus line broker...
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 apply to:...
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 objects launched or assembled in...
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 place further...
California Insurance Code Section 1761
(a) Except as provided in Sections 1760 and 1760.5, and paragraphs (1) and (2) of subdivision (b), a person within this state shall not transact...
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 for a home state insured, other than as excepted in Section 1761, with nonadmitted insurers...
California Insurance Code Section 1763.1
(a) The commissioner may by order declare permissible for placement for a home state insured with a nonadmitted insurer and exempt from all requirements of...
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 licensed for the...
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 covering private...
California Insurance Code Section 1764
(a) A licensed surplus line broker may issue evidence of insurance for a home state insured, 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 home state insured 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...
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 policy...
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 authentication by...
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 the...
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 public offense...
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 accordance...
California Insurance Code Section 1765.1
No surplus line broker shall place any coverage with a nonadmitted insurer for a home state insured unless the insurer is domiciled in the Republic...
California Insurance Code Section 1765.2
A surplus line broker may place any coverage with a California-approved nonadmitted insurer if the insurer is domiciled in the Republic of Mexico and the...
California Insurance Code Section 1765.3
(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...
California Insurance Code Section 1765.4
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...
California Insurance Code Section 1765.5
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...
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...
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...
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 for California home state insureds...
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 or not...
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...
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 advertisements and solicitations may...
California Insurance Code Section 1774
(a) (1) On or before the first day of March of each year the surplus line broker, placing business for a home state insured, shall...
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 five...
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 the...
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 following...
California Insurance Code Section 1775.4
(a) The amount of the payment shall be 3 percent of the gross premiums charged less return premiums upon business done by the surplus line...
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...
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 Treasury...
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 refunds...
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...
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 under...
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...
California Insurance Code Section 1779
Every California home state 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 insurance...
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 commissioner under this...
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 sound basis...
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 decisions and initiatives in...
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 organization must satisfy...
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 in writing...
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 receive,...
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 organization also...
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 commissioner...
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 if...
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 advisory organization...
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 and 1780.61 shall...
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 only after...
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...
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...
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 the reinsurance intermediary-broker...
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 written authorization specifying the...
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 intermediary-broker shall keep a complete...
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 behalf unless...
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 written contract specifying the...
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 retrocessions on behalf 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 behalf, unless...
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, and records of...
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 accordance with...
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 compliance...
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 production of...
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...
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...
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, executed...
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 whether...
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 a bail agent shall file with the commissioner a notice of appointment executed by a surety insurer...
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...
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 unless...
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 procuring...
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...
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 any...
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...
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 commissioner...
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...
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 prescribes, except...
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...
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
Except as provided in Sections 1669 and 1738, the commissioner shall not suspend or revoke any license, issued under this article, without first granting a...
California Insurance Code Section 1807.7
Commencing on January 1, 2011, all licenses issued pursuant to this article shall be for a license term of two years.
California Insurance Code Section 1807.8
"License term" as used in this chapter means all of that two-year period beginning as described in subdivision (a) or (b) of Section 1807.9, as...
California Insurance Code Section 1807.9
"License year" as used in this chapter shall be determined for each individual and entity as follows: (a) Upon initial licensing, the license year starts...
California Insurance Code Section 1808
(a) Applications for renewal of licenses may be filed on or before the expiration date upon payment of the fees for filing specified in Section...
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 this chapter, except...
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 commissioner...
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 a minimum of...
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...
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...
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 collect...
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 chapter.
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 suspend, revoke,...
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 by...
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 forth
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 Division...
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 reserve funds...
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...
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...
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...
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 commissioner.
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 and...
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...
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 applicant....
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, as...
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 with the life...
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 the true name...
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 renewal of...
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 1737)...
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...
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...
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 sales...
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 disability insurance analyst...
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 within Sections...
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 reinsurance...
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 and...
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, underwriting...
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 applicants who are...
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 other organization of admitted insurers...
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 insurance covering property...
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 filing purposes.
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 constitution,...
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 consumers...
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 of this state, that...
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 intermittently, but, except for...
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, classification codes and descriptions,...
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 or organization or by standing...
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 joint reinsurance shall maintain...
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...
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 exhibit...
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: (1) Premiums...
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 is collected...
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 organization, may...
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 provided by Section...
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 organization...
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 medical malpractice insurance,...
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...
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 engages in joint underwriting or joint...
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 being conducted as...
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 notice...
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 this...
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...
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 authority under...
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 basis upon...
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 or to any rating organization,...
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 liable...
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 returned by insurers...
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 prosecution...
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, no other...
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: Sections 1 to 41,...
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 following...
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...
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 comparison of...
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 in violation of...
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 enactment of this...
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...
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) of the Government...
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,...
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...
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 action of the commissioner...
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 this article, including insurance...
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 or...
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 shall be filed with...
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 penalties provided...
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 authority...
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...
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 operators of day...
California Insurance Code Section 1863
Unless the provision or context otherwise requires, the following definitions govern the construction of this chapter: (a) "Commissioner" means the Insurance Commissioner of this state....
California Insurance Code Section 1864
(a) Each insurer engaged in writing child care liability insurance coverage in this state shall submit to the commissioner a report of its operations regarding...
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 profit or nonprofit,...
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 illegal activities. There...
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 be open...
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 form to...
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...
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...
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 retain...
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 existing...
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 benefits...
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...
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 contingent or unknown...
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,...
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:...
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...
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 suspected violations of law....
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
(a) In addition to the special purpose assessment imposed pursuant to Section 1872.8, an insurer doing business in this state shall pay to the commissioner...
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 defined in Sections 11760 and...
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 of individuals described...
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, 1872.85, 1874.8, or subdivision (a) of Section 1872.86 may, over a...
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 information: (a)...
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 to investigate and...
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 Fraud Division...
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 governmental...
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,...
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 vehicle insurance...
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 to...
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" means the Department of the California Highway...
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...
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...
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 number and any other information as...
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, at the request of the commissioner, but not more than annually, to the department on the following:...
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 investigating or prosecuting...
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 information...
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...
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...
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 its release...
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 district attorneys to deposit arson...
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 illegal activities. (b)...
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 and obtaining a...
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 nonprofit corporation organized...
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 is appropriately qualified,...
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 subscribers concerning insurance claims. (b)...
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 binding on all...
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 information to public inspection...
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...
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, to law enforcement...
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 unit...
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 the investigation and disposition...
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 defined in Section 660...
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...
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" means the district attorney of any county,...
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, any licensing agency...
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 that insurer,...
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 application or receipt of,...
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 to this...
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 fraud, eliminating...
California Insurance Code Section 1879.1
The commissioner or his or her designated deputy commissioner may convene meetings with representatives of insurance companies to discuss specific information concerning suspected, anticipated, or...
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...
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 who are employed by the department...
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 civilian operatives,...
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...
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 established pursuant to this
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...
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 carriage...
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...
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....
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
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...
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 from a...
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 rescind the entire
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...
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...
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 arising from...
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...
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,...
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 of an...
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...
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...
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, storage,...
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,...
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...
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 of...
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 policy or...
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...
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 abandonment...
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...
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...
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...
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 abandonment.
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 earned belongs...
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...
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 bottomry or...
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...
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 the...
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,...
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...
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...
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...
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 insurer...
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....
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...
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...
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...
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 structure...
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...
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 shall prevail over the...
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...
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...
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...
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...
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 No. [Space for...
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 relevant...
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...
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...
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...
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 any...
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" may, in any...
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 countersignatures shall not be...
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 valuations of...
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 address of its...
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...
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 parties having...
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 damage caused...
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 insurer may be...
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 directly...
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 refer to the...
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 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...
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 election of...
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 700. 01,...
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, trustee or fiduciary may be a policyholder...
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 designated...
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...
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...
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...
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...
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...
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...
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...
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...
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 bases...
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 Section...
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,...
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, Division 1...
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 loans...
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...
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 required of...
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...
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
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 insurer's assets...
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 policyholder, nor renew...
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 unite with or become...
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...
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...
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, consolidated,...
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 incorporated stock insurer issuing, on...
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 conversion from a nonstock...
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 Section 4097.04 or...
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 mutual insurer...
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 a mutual...
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, directors, employees,...
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 than regular salary and...
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 two-thirds...
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...
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, the membership...
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...
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 converted...
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, proposed 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 the provisions...
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...
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 filing...
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...
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...
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 the...
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 insurance...
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 certificate permitting them...
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 conformity...
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 to control and...
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...
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...
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...
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...
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 subscribers...
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 corporate purposes.
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...
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...
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 secretary...
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...
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...
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...
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 INSURANCE...
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...
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...
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 valuations of...
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...
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...
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 home...
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 an interest...
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 standard form...
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 insurance policy in lieu...
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 directly...
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 nuclear...
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 not...
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 contained in or on such...
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 restricted as to...
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 and effect during the...
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...
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 rates corresponding...
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...
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...
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...
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...
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 be written...
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 insurer the...
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...
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...
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 be...
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,...
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...
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...
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...
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 reissuing and...
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 letter directed to...
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...
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...
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 shall present the statement...
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...
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...
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 the...
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...
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 insurer...
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 requirements applicable to other...
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 transformation,...
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 the transformation a...
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...
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,...
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 reinsure,...
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 corporation law.
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 certificate permitting...
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 reinsurer...
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...
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...
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 faithful...
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 to pay their pro...
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 practicable to the...
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...
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 loss.
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 regular...
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...
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
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 the
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...
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...
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...
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,...
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...
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 its usual...
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...
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 payment...
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) Giving ten days' notice...
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...
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 business 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
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...
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 certificate...
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 section,...
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, council or grange system...
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...
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 ($60,000)...
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 under different...
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...
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 the...
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, as...
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 terms...
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 all assets and...
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 from...
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 liabilities, may...
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...
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...
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...
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 with...
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 within any municipal...
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 any...
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...
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 established.
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...
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...
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 require...
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...
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 assessable under...
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, for...
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 following types of policies originated or...
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 paragraph (1),...
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...
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, provided...
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 coverage....
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 interest of...
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 more than four...
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 provides...
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 provision...
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 fire...
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...
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 as...
California Insurance Code Section 10089.2
(a) (1) Subject to the approval of the commissioner, every insurer subject to this chapter shall, at the time of offering to issue or offer...
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 earthquakes. For purposes of this...
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 fee or...
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 invested assets actually...
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 powers conferred by...
California Insurance Code Section 10089.7
(a) The authority shall be governed by a three-member governing board consisting of the Governor, the Treasurer, and the Insurance Commissioner, each of whom may...
California Insurance Code Section 10089.8
(a) The authority shall operate pursuant to a written plan of operations. The panel shall submit a plan to the board for approval. If it...
California Insurance Code Section 10089.9
(a) Upon commencement of participation in the authority, each participating insurer shall be required to execute a contract with the commissioner and the authority that...
California Insurance Code Section 10089.10
To expand the capacity of the authority and achieve maximum capacity for writing earthquake coverage, the authority shall do both of the following acts, on...
California Insurance Code Section 10089.11
(a) The commissioner shall adopt regulations to implement the provisions of this chapter within 60 days of its effective date. The regulations shall be adopted...
California Insurance Code Section 10089.12
The commissioner shall have full power and authority to examine the books and records of the authority at any time, and in connection with the...
California Insurance Code Section 10089.13
(a) One year following its commencement of operations, and annually thereafter by each August 1, the authority shall report to the Legislature and the commissioner...
California Insurance Code Section 10089.14
(a) The authority shall not issue any earthquake policy and no insurer shall transfer any earthquake risk to the authority until all of the following...
California Insurance Code Section 10089.15
(a) Initial operating capital shall be contributed by insurance companies admitted to write residential property insurance in the state. Each insurer that elects to participate...
California Insurance Code Section 10089.16
(a) On application to the board, payment of any assessments and fees calculated by the board, and fulfillment of any additional requirements imposed by the...
California Insurance Code Section 10089.17
Notwithstanding subdivision (h) of Section 10089.7, the authority shall be subject to the provisions of the Political Reform Act of 1974 (Title 9 (commencing with...
California Insurance Code Section 10089.19
(a) Participating insurers that want to withdraw from the authority may do so on 12 months' written notice to the authority. Insurers that withdraw shall...
California Insurance Code Section 10089.20
The authority shall renew any policy of basic residential earthquake insurance, provided the authority receives payment of the applicable renewal premium on or before the...
California Insurance Code Section 10089.21
The authority is a public instrumentality of the State of California and the exercise of its powers is an essential state governmental function. No provision...
California Insurance Code Section 10089.22
(a) The authority shall be continued in existence for so long as its bonds are outstanding. Unless and until the authority is terminated pursuant to...
California Insurance Code Section 10089.23
(a) (1) If at any time following the payment of earthquake claims and claim expenses the authority's available capital is reduced to less than three...
California Insurance Code Section 10089.24
(a) Notwithstanding any other provision of this chapter, the maximum permissible assessment pursuant to Section 10089.23 of a participating insurer that began renewing business into...
California Insurance Code Section 10089.25
Beginning December 31, 1997, and annually thereafter on the 30th of April, the board shall notify each participating insurer of the maximum earthquake loss funding...
California Insurance Code Section 10089.26
(a) The authority shall issue policies of basic residential earthquake insurance, including earthquake loss assessment policies for individual condominium unit properties, to any owner of...
California Insurance Code Section 10089.27
(a) Every participating insurer that has in-force residential earthquake insurance policies in the state as of the date of commencement of authority operations shall renew...
California Insurance Code Section 10089.28
(a) All policies of residential earthquake insurance provided by the authority shall be written by the authority. Authority policies shall be marketed and policyholders serviced...
California Insurance Code Section 10089.29
(a) If benefits paid by the authority following an earthquake event exhaust the total of (1) the authority's available capital, (2) the maximum amount of...
California Insurance Code Section 10089.30
If claims and claim expenses paid by the authority due to earthquake events exhaust the total of (a) the authority's available capital, (b) the maximum...
California Insurance Code Section 10089.31
If claims and claim expenses paid by the authority due to earthquake events that commence on or after December 1, 2008, exhaust the total of...
California Insurance Code Section 10089.32
The authority shall endeavor at all times to make specific authority earthquake policyholder assessments, and the Treasurer shall endeavor at all times to secure debt...
California Insurance Code Section 10089.33
(a) If the average daily balance of the authority's available capital exceeds six billion dollars ($6,000,000,000) for the last 180 days of any calendar year,...
California Insurance Code Section 10089.34
(a) (1) The policies issued by the authority shall not be subject to assessment for, nor shall any authority policyholder be eligible for benefits from,...
California Insurance Code Section 10089.35
(a) If at any time the board determines that all the authority's available capital may be exhausted and no source of additional funds such as...
California Insurance Code Section 10089.36
In the event a natural disaster program is enacted by Congress, the panel shall convene and prepare a plan to dissolve the authority or conform...
California Insurance Code Section 10089.37
The board shall set aside in each calendar year an amount equal to 5 percent of investment income accruing on the authority's invested funds, or...
California Insurance Code Section 10089.38
Upon the development and implementation of an economical system satisfactory to the board and the commissioner to prevent misapplication of mitigation funds, the Earthquake Loss...
California Insurance Code Section 10089.39
(a) The operational rules of the Earthquake Loss Mitigation Fund shall be part of the authority's plan of operations. (b) On or before July 1,...
California Insurance Code Section 10089.40
(a) Rates established by the authority shall be actuarially sound so as to not be excessive, inadequate, or unfairly discriminatory. Rates shall be established based...
California Insurance Code Section 10089.41
(a) The offer of an authority policy by a participating insurer shall constitute a mode of insurer compliance with Chapter 8.5 (commencing with Section 10081)...
California Insurance Code Section 10089.43
Upon termination of the authority by the Legislature, its remaining funds shall be transferred to the General Fund unless otherwise directed by the Legislature.
California Insurance Code Section 10089.44
Notwithstanding any other provision of law, premiums collected by the authority shall be exempt from collection of the state's insurance premium tax, and the amount...
California Insurance Code Section 10089.46
Bonds issued under this chapter shall not be a debt or liability of the state or of any political subdivision of the state, or a...
California Insurance Code Section 10089.47
Bonds issued by the authority are legal investments for all trust funds, the funds of all insurance companies, banks, trust companies, executors, administrators, trustees, and...
California Insurance Code Section 10089.48
Interest earned on any bonds issued by the authority shall at all times be free from state personal income tax and corporate income tax.
California Insurance Code Section 10089.49
The state hereby pledges to and agrees with the holders of bonds that the state will not limit, alter, or restrict the rights hereby vested...
California Insurance Code Section 10089.50
The Treasurer may from time to time enter into one or more credit facilities permitting the authority to draw an amount up to one billion...
California Insurance Code Section 10089.51
The authority shall have the power to pledge to the providers of credit facilities and to the owners of bonds the surcharges imposed or to...
California Insurance Code Section 10089.52
Nothing in Section 10089.50 or 10089.51 is intended to limit the applicability to the authority of any provision of Section 5450 or subdivision (c) of...
California Insurance Code Section 10089.53
(a) Any insurer that withdraws from the authority under Section 10089.19 while bonds or other debt is outstanding shall impose annually a premium surcharge on...
California Insurance Code Section 10089.54
(a) Unless authorized by a statute enacted subsequent to the effective date of this section, the authority shall cease writing new earthquake insurance policies 180...
California Insurance Code Section 10089.70
(a) The department shall establish a program for the mediation of the disputes between insured complainants and insurers arising pursuant to any of the following:...
California Insurance Code Section 10089.71
Any insured having a dispute with an insurer under a policy that qualifies for this program may file a written complaint with the department. The...
California Insurance Code Section 10089.72
(a) If, after the department's intervention, the insurer and the insured do not reach agreement, the department may notify the insurer that in order to...
California Insurance Code Section 10089.73
If the dispute is not resolved within the time period prescribed by Section 10089.72, the insurer shall notify the department of the failure, and may...
California Insurance Code Section 10089.74
(a) If the insurer notifies the department of the failure to resolve the dispute, the department shall notify the insured of the insured's ability to...
California Insurance Code Section 10089.75
(a) Any insurer may inform an insured who has filed a complaint with the department concerning a dispute that qualifies for this program of the...
California Insurance Code Section 10089.76
Upon referral of a complaint to mediation, the department shall immediately transfer all necessary information concerning the claim, including the name and address of the...
California Insurance Code Section 10089.77
The department shall contract with a diverse pool of mediators for the provision of mediation services. The contractors shall be qualified mediators who meet standards...
California Insurance Code Section 10089.78
Upon receipt of a complaint, the mediation service, to the extent possible, shall issue a notice to the insured and the insurer setting a date...
California Insurance Code Section 10089.79
(a) The costs of mediation shall be reasonable, and shall be borne by the insurer, except as provided in Section 10089.81. The commissioner may set...
California Insurance Code Section 10089.80
(a) The representatives of the insurer shall know the facts of the case and be familiar with the allegations of the complainant. The insurer or...
California Insurance Code Section 10089.81
All parties to the mediation proceeding shall negotiate in good faith and shall have the authority to immediately settle claims. An insurer that fails to...
California Insurance Code Section 10089.82
(a) An insured may not be required to use the department' s mediation process. An insurer may not be required to use the department's mediation...
California Insurance Code Section 10089.83
(a) On or before August 1 of each year in which this program is in effect, the commissioner shall report to the Governor, the Legislature,...
California Insurance Code Section 10090
The purposes of this chapter are to do all of the following: (a) To assure stability in the property insurance market for property located in...
California Insurance Code Section 10091
Unless the provision or context otherwise requires, the following definitions shall govern the construction of this chapter: (a) "Association," "industry placement facility," or "facility," means...
California Insurance Code Section 10092
This chapter shall not apply to county mutual fire insurers nor to fraternal fire insurers.
California Insurance Code Section 10093
(a) Any person having an insurable interest in real or tangible personal property who, after diligent effort, has been unable to obtain basic property insurance...
California Insurance Code Section 10094
Within 30 days after the effective date of this chapter, with the approval of the commissioner, all insurers licensed to write and engaged in writing...
California Insurance Code Section 10094.2
Notwithstanding subdivision (c) of Section 10095, the facility shall, pursuant to regulations adopted by the commissioner, provide for a method whereby insurers who voluntarily write...
California Insurance Code Section 10095
(a) Within 30 days following the effective date of this chapter, the association shall submit to the commissioner, for his or her review, a proposed...
California Insurance Code Section 10095.5
(a) The association shall establish and maintain a statewide toll-free "800" number through which persons may receive assistance in applying for insurance through the plan....
California Insurance Code Section 10096
(1) Any applicant or affected insurer shall have the right of appeal from any act or decision of either the facility or the association to...
California Insurance Code Section 10097
There shall be no liability on the part of, and no cause of action of any nature shall arise against the insurers, the inspection bureau,...
California Insurance Code Section 10098
Acceptance of risks assigned under this chapter and performance of any act required by this chapter is a condition of the right to continue to...
California Insurance Code Section 10099
In addition to any powers conferred upon him by this or any other law, the commissioner is authorized to do all things necessary to enable...
California Insurance Code Section 10100
The commissioner may require such reports from insurers concerning risks insured under any program approved pursuant to this chapter as he shall deem necessary to...
California Insurance Code Section 10100.1
The facility, subject to the approval of the Insurance Commissioner, may provide for the equitable distribution of risks provided for in this chapter by means...
California Insurance Code Section 10100.2
(a) (1) Rates for the FAIR Plan shall not be excessive, inadequate, or unfairly discriminatory, and shall be actuarially sound so that premiums are adequate...
California Insurance Code Section 10101
On and after July 1, 1993, no policy of residential property insurance may be first issued or, with respect to policies already in effect on...
California Insurance Code Section 10102
(a) The disclosure required by Section 10101 shall be in no less than 10-point typeface and shall be provided prior to or concurrent with, the...
California Insurance Code Section 10103
(a) No policy of residential property insurance may be issued or renewed in this state unless it provides the following information on the declarations page...
California Insurance Code Section 10103.5
(a) Every California Residential Property Insurance Disclosure shall be accompanied by a California Residential Property Insurance Bill of Rights. If the insurer provides the insured...
California Insurance Code Section 10104
(a) As used in this chapter, "policy of residential property insurance" shall have the same meaning as defined in Section 10087, except that it shall...
California Insurance Code Section 10105
Nothing in this chapter is intended to expand, contract, modify, or otherwise affect the coverage provided under any policy of residential property insurance issued and...
California Insurance Code Section 10106
The Insurance Commissioner may modify a disclosure statement as contained in Section 10102, 10103, or 10103.5 only upon request of an insurer. The modification shall...
California Insurance Code Section 10107
Except as provided in subdivisions (e) and (i) of Section 10102, this chapter shall apply to all policies newly issued on or after July 1,...
California Insurance Code Section 10108
(a) The commissioner shall develop a pamphlet which provides information to small business owners and others on the key features of, and suggested ways of,...
California Insurance Code Section 10108.1
(a) As used in this chapter, "policy of commercial property insurance" has the same meaning as defined in Section 675.5. (b) As used in this...
California Insurance Code Section 10110
Every person has an insurable interest in the life and health of: (a) Himself. (b) Any person on whom he depends wholly or in part...
California Insurance Code Section 10110.1
(a) An insurable interest, with reference to life and disability insurance, is an interest based upon a reasonable expectation of pecuniary advantage through the continued...
California Insurance Code Section 10110.2
An insurer shall be entitled to rely upon all statements, declarations, and representations made by an applicant for insurance relative to the insurable interest that...
California Insurance Code Section 10110.3
(a) An insurer may not issue an individual life insurance policy to an applicant that insures the life of the applicant's spouse unless the applicant's...
California Insurance Code Section 10110.4
(a) Except as allowed in subdivision (c), an insurer may not issue or deliver a corporate-owned life insurance policy. (b) "Corporate-owned life insurance policy" means...
California Insurance Code Section 10110.5
(a) A policy or endorsement issued by an admitted life and disability insurer may contain a provision for a waiver of premium payments in the...
California Insurance Code Section 10110.6
(a) If a policy, contract, certificate, or agreement offered, issued, delivered, or renewed, whether or not in California, that provides or funds life insurance or...
California Insurance Code Section 10111
In life or disability insurance, the only measure of liability and damage is the sum or sums payable in the manner and at the times...
California Insurance Code Section 10111.2
(a) Under a policy of disability income insurance, as defined in subdivision (i) of Section 799.01, payment of benefits to the insured shall be made...
California Insurance Code Section 10111.5
An insurer shall not be liable for payments claimed under an individual or group policy of life insurance if the duty to make those payments...
California Insurance Code Section 10111.7
(a) An insurer shall not deny or refuse to accept an application for life insurance, or refuse to insure, refuse to renew, cancel, restrict, or...
California Insurance Code Section 10112
Subject to Section 2459 of the Probate Code, in respect to life or disability insurance, or annuity contracts (except as provided in Sections 2500 to...
California Insurance Code Section 10112.1
(a) To the extent required by federal law, every health insurer that issues, sells, renews, or offers policies for health care coverage in this state...
California Insurance Code Section 10112.2
To the extent required under federal law, a group or individual health insurance policy issued, amended, renewed, or delivered on or after September 23, 2010,...
California Insurance Code Section 10112.25
(a) Every health insurer that issues, sells, renews, or offers health insurance policies for health care coverage in this state, including a grandfathered health plan,...
California Insurance Code Section 10112.27
(a) An individual or small group health insurance policy issued, amended, or renewed on or after January 1, 2014, shall, at a minimum, include coverage...
California Insurance Code Section 10112.3
(a) For purposes of this section, the following definitions shall apply: (1) "Exchange" means the California Health Benefit Exchange established in Title 22 (commencing with...
California Insurance Code Section 10112.4
The commissioner shall, in coordination with the Director of the Department of Managed Health Care, review the Internet portal developed by the United States Secretary...
California Insurance Code Section 10112.5
(a) (1) Notwithstanding any other provision of law, every policy or certificate of health insurance marketed, issued, or delivered to a resident of this state,...
California Insurance Code Section 10112.6
(a) Consistent with federal law, a sponsor of a prescription drug plan authorized by the federal Medicare Prescription Drug, Improvement, and Modernization Act of 2003...
California Insurance Code Section 10113
Every policy of life, disability, or life and disability insurance issued or delivered within this State on or after the first day of January, 1936,...
California Insurance Code Section 10113.1
The following provisions shall apply to this act: (a) "Advertisement" means any written, electronic, or printed communication or any communication by means of recorded telephone...
California Insurance Code Section 10113.2
(a) This section applies to any person entering into, brokering, or soliciting life settlements pursuant to this section and Sections 10113.1 and 10113.3. (b) (1)...
California Insurance Code Section 10113.3
(a) A provider entering into a life settlement contract with any owner of a policy, wherein the insured is terminally ill, shall first obtain the...
California Insurance Code Section 10113.35
(a) The commissioner may adopt rules and regulations reasonably necessary to implement the provisions of this act. (b) This section shall be prospective only, and...
California Insurance Code Section 10113.4
If a group life insurance policy contains a provision that makes a certificate holder's coverage contestable on the grounds of suicide for a period following...
California Insurance Code Section 10113.5
(a) An individual life insurance policy delivered or issued for delivery in this state shall contain a provision that it is incontestable after it has...
California Insurance Code Section 10113.6
(a) An insurer that is required to deliver a life insurance policy to the owner of the policy in order to start the period running...
California Insurance Code Section 10113.7
(a) An increase of premium on an individual life insurance policy that provides for premium changes by the insurer is not effective unless written notice...
California Insurance Code Section 10113.71
(a) Every life insurance policy issued or delivered in this state shall contain a provision for a grace period of not less than 60 days...
California Insurance Code Section 10113.72
(a) An individual life insurance policy shall not be issued or delivered in this state until the applicant has been given the right to designate...
California Insurance Code Section 10113.8
(a) Each health insurer that maintains an Internet Web site shall make a downloadable copy of the comparative benefit matrix prepared pursuant to Section 10127.14...
California Insurance Code Section 10113.9
(a) This section shall not apply to short-term limited duration health insurance, vision-only, dental-only, or CHAMPUS-supplement insurance, or to hospital indemnity, hospital-only, accident-only, or specified...
California Insurance Code Section 10113.95
(a) A health insurer that issues, renews, or amends individual health insurance policies shall be subject to this section. (b) An insurer subject to this...
California Insurance Code Section 10114
Before an insurer may pay the proceeds of any contract of life or disability insurance to any undertaker or funeral director, as beneficiary or assignee,...
California Insurance Code Section 10115
When a payment is made equal to the full first premium at the time an application for life insurance other than group life insurance is...
California Insurance Code Section 10116
No group life insurance policy or disability insurance policy shall be issued or delivered in this State where the premiums or any part thereof is...
California Insurance Code Section 10116.5
(a) Every policy of disability insurance that is issued, amended, delivered, or renewed in this state on or after January 1, 1999, that provides hospital,...
California Insurance Code Section 10117
(a) A policy of disability insurance, self-insured employee welfare benefit plan, or nonprofit hospital service plan may not provide an exception for other coverage where...
California Insurance Code Section 10117.5
No disability insurer contract that covers hospital, medical, or surgical benefits that is issued, amended, renewed, or delivered on and after January 1, 2002, shall...
California Insurance Code Section 10117.52
(a) No health insurance contract in existence or issued, amended, or renewed on or after January 1, 2013, between a health insurer and a provider...
California Insurance Code Section 10118
A policy of disability insurance delivered or issued for delivery in this state more than 120 days after the effective date of this section, that...
California Insurance Code Section 10119
On and after the operative date of this section: (a) No policy of disability insurance which, in addition to covering the insured, also covers members...
California Insurance Code Section 10119.1
(a) This section shall apply to a health insurer that covers hospital, medical, or surgical expenses under an individual health benefit plan, as defined in...
California Insurance Code Section 10119.2
(a) Every health insurer that offers, issues, or renews health insurance under an individual health benefit plan, as defined in subdivision (a) of Section 10198.6,...
California Insurance Code Section 10119.3
(a) Notwithstanding any other provision of law, an agent or broker who assists an applicant in submitting an application to a health insurer has the...
California Insurance Code Section 10119.5
(a) No individual or group policy of health insurance that is issued, amended, renewed, or delivered on or after July 1, 2003, that provides maternity...
California Insurance Code Section 10119.6
(a) On and after January 1, 1990, every insurer issuing, renewing, or amending a policy of disability insurance which covers hospital, medical, or surgical expenses...
California Insurance Code Section 10119.7
No group or individual policy of disability insurance which covers hospital, medical, or surgical expenses shall be issued, amended, delivered, or renewed in this state...
California Insurance Code Section 10119.8
On and after January 1, 1993, every insurer issuing, amending, or renewing a policy of individual or group disability insurance that covers hospital, medical, or...
California Insurance Code Section 10119.9
(a) A disability insurance policy or certificate covering hospital, surgical, or medical expenses, that meets the definition of "health benefit plan" in subdivision (a) of...
California Insurance Code Section 10120
If a policy of disability insurance issued, issued for delivery, or renewed in this state after the effective date of this section provides in any...
California Insurance Code Section 10120.2
(a) This section shall only apply to a disability insurer that issues a dental insurance policy pursuant to this part. (b) For purposes of this...
California Insurance Code Section 10120.3
(a) With respect to a contract between an insurer covering dental services and a dentist to provide covered dental services to insureds, the contract shall...
California Insurance Code Section 10120.5
Any act by a disability insurer that covers hospital, medical, or surgical expenses that violates Section 510, Section 2056, or Section 2056.1 of the Business...
California Insurance Code Section 10121
(a) No self-insured employee welfare benefit plan, issued or renewed on or after November 23, 1970, which contains coverage for sterilization operations or procedures, shall...
California Insurance Code Section 10121.5
(a) When a husband and wife are both employed as employees, and both have enrolled themselves and their eligible family members under a group policy...
California Insurance Code Section 10121.6
(a) No policy of group disability insurance or self-insured employee welfare benefit plan which provides hospital, medical, or surgical expense benefits for employees, insureds, or...
California Insurance Code Section 10121.7
(a) A policy of group health insurance that provides hospital, medical, or surgical expense benefits shall provide equal coverage to employers or guaranteed associations, as...
California Insurance Code Section 10122
If a policy of group disability insurance issued or issued for delivery or amended in this state after the effective date of this section provides...
California Insurance Code Section 10122.1
On and after the effective date of this section, every policy of disability insurance which covers hospital, medical, or surgical expenses on a group basis...
California Insurance Code Section 10122.2
If a policy of group disability insurance issued, delivered, amended, or renewed in this state on or after the effective date of this section provides...
California Insurance Code Section 10123
(a) No self-insured employee welfare benefit plan, issued or renewed on or after the effective date of this section, which provides coverage for an employee...
California Insurance Code Section 10123.1
Every self-insured employee welfare benefit plan, as defined in Section 10121, issued, amended as to benefits, or renewed after January 1, 1977, shall comply with...
California Insurance Code Section 10123.2
On and after the effective date of this section, every self-insured employee welfare benefit plan which provides coverage for hospital, medical, or surgical expenses shall...
California Insurance Code Section 10123.3
(a) No self-insured employee welfare benefit plan shall refuse to enroll any person or accept any person as a subscriber or renew any person as...
California Insurance Code Section 10123.31
(a) In addition to any other remedy permitted by law, the commissioner shall have the administrative authority to assess penalties specified in this section against...
California Insurance Code Section 10123.35
(a) This section shall apply to the disclosure of genetic test results contained in an applicant or enrollee's medical records by a self-insured welfare benefit...
California Insurance Code Section 10123.36
(a) On or before July 1, 1999, for purposes of public disclosure, every disability insurer that covers hospital, medical, or surgical expenses, and authorizes insureds...
California Insurance Code Section 10123.4
If a self-insured employee welfare benefit plan issued, amended, or renewed in this state on or after the effective date of this section provides in...
California Insurance Code Section 10123.5
(a) On or after January 1, 1993, every insurer issuing group disability insurance which covers hospital, medical, or surgical expenses shall provide benefits for the...
California Insurance Code Section 10123.55
(a) On or after January 1, 1993, every insurer issuing group disability insurance which covers hospital, medical, or surgical expenses shall offer benefits for the...
California Insurance Code Section 10123.6
On and after January 1, 1990, every insurer issuing group disability insurance which covers hospital, medical, or surgical expenses shall offer coverage for the treatment...
California Insurance Code Section 10123.67
(a) On or before July 1, 1997, every disability insurer that covers hospital, medical, or surgical expenses, as described in subdivision (b), shall file with...
California Insurance Code Section 10123.68
(a) When requested by an insured or contracting health professional who is treating an insured, a disability insurer that covers hospital, medical, or surgical expenses...
California Insurance Code Section 10123.7
(a) On or after January 1, 1986, every insurer issuing group health insurance shall offer coverage for orthotic and prosthetic devices and services under the...
California Insurance Code Section 10123.8
(a) Every policy of disability insurance that provides coverage for hospital, medical, or surgical expenses, that is issued, amended, delivered, or renewed on or after...
California Insurance Code Section 10123.81
(a) Every individual or group policy of disability insurance or self-insured employee welfare benefit plan shall be deemed to provide coverage for mammography for screening...
California Insurance Code Section 10123.82
Every policy of disability insurance which provides for the surgical procedure known as a laryngectomy and which is issued, amended, delivered, or renewed in this...
California Insurance Code Section 10123.83
(a) On or after January 1, 1995, every policy of disability insurance that covers hospital, medical, or surgical expenses and is issued, amended, delivered, or...
California Insurance Code Section 10123.835
(a) Every individual or group policy of disability insurance that covers hospital, medical, or surgical benefits that is issued, amended, or renewed on or after...
California Insurance Code Section 10123.84
(a) The Legislature finds and declares that the unique, private, and personal relationship between women patients and their obstetricians and gynecologists warrants direct access to...
California Insurance Code Section 10123.85
(a) For purposes of this section, the definitions in subdivision (a) of Section 2290.5 of the Business and Professions Code shall apply. (b) It is...
California Insurance Code Section 10123.86
(a) Every policy of disability insurance covering hospital, surgical, or medical expenses that is issued, amended, renewed, or delivered on or after January 1, 1999,...
California Insurance Code Section 10123.865
(a) Commencing no later than July 1, 2012, every individual health insurance policy shall provide coverage for maternity services for all insureds covered under the...
California Insurance Code Section 10123.866
(a) Commencing no later than July 1, 2012, every group health insurance policy shall provide coverage for maternity services for all insureds covered under the...
California Insurance Code Section 10123.87
(a) No individual or group policy of disability insurance that provides coverage for hospital, medical, and surgical benefits that is issued, amended, renewed, or delivered...
California Insurance Code Section 10123.88
(a) Every policy of health insurance covering hospital, medical, or surgical expenses that is issued, amended, renewed, or delivered in this state on or after...
California Insurance Code Section 10123.89
(a) On and after July 1, 2000, every policy of disability insurance issued, amended, delivered, or renewed in this state that provides coverage for hospital,...
California Insurance Code Section 10123.9
On and after January 1, 1980, every group policy of disability insurance which covers hospital, medical, or surgical expenses on a group basis, and which...
California Insurance Code Section 10123.91
(a) On or after January 1, 2009, every insurer that issues, amends, or renews an individual or group policy of health insurance that covers hospital,...
California Insurance Code Section 10123.10
(a) Every disability insurer transacting business in this state shall, on or after January 1, 1979, make available and offer to include in every group...
California Insurance Code Section 10123.11
(a) No insurer shall deny a claim under a group disability policy for hospital, medical, surgical, dental, or optometric services for the sole reason that...
California Insurance Code Section 10123.12
Every health insurer, including those insurers that contract for alternative rates of payment pursuant to Section 10133, and every self-insured employee welfare benefit plan that...
California Insurance Code Section 10123.13
(a) Every insurer issuing group or individual policies of health insurance that covers hospital, medical, or surgical expenses, including those telehealth services covered by the...
California Insurance Code Section 10123.131
(a) An insurer shall pay a provider for duplicating all information it requests in connection with a contested claim, and for patient records, as follows:...
California Insurance Code Section 10123.132
(a) Every disability insurer that covers hospital, medical, or surgical expenses and that reviews and approves the medical necessity or appropriateness of requests by providers...
California Insurance Code Section 10123.135
(a) Every disability insurer, or an entity with which it contracts for services that include utilization review or utilization management functions, that covers hospital, medical,...
California Insurance Code Section 10123.137
(a) Each contract between a health insurer and a provider shall contain provisions requiring a fast, fair, and cost-effective dispute resolution mechanism under which providers...
California Insurance Code Section 10123.14
On and after January 1, 1990, every self-insured employee welfare benefit plan containing hospital, medical, or surgical expense benefits or service benefits may provide coverage...
California Insurance Code Section 10123.141
(a) Every policy of expense incurred hospital, medical, or surgical insurance issued, amended, or renewed on or after January 1, 1991, on a group basis,...
California Insurance Code Section 10123.145
(a) Whenever an insurer issuing group or individual policies of disability insurance which covers hospital, medical, or surgical expenses determines that in reimbursing a claim...
California Insurance Code Section 10123.147
(a) Every insurer issuing group or individual policies of health insurance that covers hospital, medical, or surgical expenses, including those telehealth services covered by the...
California Insurance Code Section 10123.15
Every group policy of disability insurance which covers hospital, medical, and surgical expenses on a group basis, and which offers coverage for disorders of the...
California Insurance Code Section 10123.16
Except for a preexisting condition, every disability insurer issuing policies of individual or group disability insurance in this state that offers group or individual coverage...
California Insurance Code Section 10123.17
Except for a preexisting condition, every self-insured employee welfare benefit plan in this state that offers group coverage for long-term care facility services or home-based...
California Insurance Code Section 10123.18
(a) Every individual or group policy of health insurance that provides coverage for hospital, medical, or surgical benefits, that is issued, amended, or renewed, on...
California Insurance Code Section 10123.184
Every group policy of disability insurance that covers hospital, medical, or surgical expenses, and that provides maternity benefits, that is issued, amended, renewed, or delivered...
California Insurance Code Section 10123.185
(a) Every policy of disability insurance that covers hospital, medical, or surgical expenses and is issued, amended, delivered, or renewed in this state and certificate...
California Insurance Code Section 10123.19
(a) Any disability insurance policy that includes terms that require binding arbitration to settle disputes and that restrict, or provide for a waiver of, the...
California Insurance Code Section 10123.191
(a) Notwithstanding any other provision of law, on and after January 1, 2013, a health insurer that provides prescription drug benefits shall utilize and accept...
California Insurance Code Section 10123.194
(a) Every disability insurer that covers hospital, medical, or surgical expenses, and, as part of that coverage, also covers prescription drug benefits, and that issues...
California Insurance Code Section 10123.195
(a) No group or individual disability insurance policy issued, delivered, or renewed in this state or certificate of group disability insurance issued, delivered, or renewed...
California Insurance Code Section 10123.196
(a) Every individual and group policy of disability insurance issued, amended, renewed, or delivered on or after January 1, 2000, that provides coverage for hospital,...
California Insurance Code Section 10123.198
(a) On and after July 1, 2011, in accordance with the requirements of subdivision (b), every health insurer that provides coverage for professional mental health...
California Insurance Code Section 10123.199
(a) On or before January 1, 2012, every health insurer that provides coverage for professional mental health services shall establish an Internet Web site. Each...
California Insurance Code Section 10123.20
(a) Every individual or group disability insurance policy that covers hospital, medical, or surgical expenses that is issued, amended, delivered, or renewed on or after...
California Insurance Code Section 10123.21
On or after July 1, 1995, every individual or group policy of disability insurance that provides hospital, medical, or surgical coverage entered into, amended, or...
California Insurance Code Section 10124
(a) A self-insured employee welfare benefit plan delivered or issued for delivery in this state more than 120 days after the effective date of this...
California Insurance Code Section 10124.7
Each self-insured employee benefit plan issued or renewed on or after the effective date of this section shall provide, where feasible, that benefits for confinement...
California Insurance Code Section 10125
(a) On and after January 1, 1974, every insurer issuing group disability insurance which covers hospital, medical, or surgical expenses shall offer coverage for expenses...
California Insurance Code Section 10125.1
(a) Every insurer issuing group disability insurance that covers hospital, medical, or surgical expenses that offers coverage for a service that is within the scope...
California Insurance Code Section 10126
Every policy of group disability insurance issued, amended, or renewed on or after January 1, 1977, which provides hospital, medical, or surgical expense benefits for...
California Insurance Code Section 10126.5
If a disability insurance policy between an insurer that covers hospital, medical, or surgical expenses and a provider requires that the provider accept, as payment...
California Insurance Code Section 10126.6
(a) Every policy of disability insurance that provides hospital, medical, or surgical coverage under a health benefit plan, defined in subdivision (a) of Section 10198.6,...
California Insurance Code Section 10127
On and after January 1, 1974, every self-insured employee welfare benefit plan which provides coverage for hospital, medical, or surgical expenses shall offer coverage for...
California Insurance Code Section 10127.1
(a) No policy of disability insurance providing loss of time benefits shall contain any provision for a reduction of such benefits during a benefit period...
California Insurance Code Section 10127.15
Any provision contained in a policy of disability insurance or a self-insured employee welfare benefit plan for a reduction of loss of time benefits during...
California Insurance Code Section 10127.2
Each policy of disability insurance issued or renewed on or after the effective date of this section, which policy provides benefits that accrue after a...
California Insurance Code Section 10127.3
On and after January 1, 1985, every insurer issuing group disability insurance which covers hospital, medical, or surgical expenses shall offer coverage for expenses incurred...
California Insurance Code Section 10127.4
(a) Except as provided in subdivisions (b) and (c), no contract that is issued, amended, renewed, or delivered on or after January 1, 1999, between...
California Insurance Code Section 10127.5
Every application for, certificate of, and policy of credit life or credit disability insurance shall set forth a statement in bold capital letters indicating that...
California Insurance Code Section 10127.7
Every policy of individual life insurance with a face value of less than ten thousand dollars ($10,000) which is delivered or issued for delivery in...
California Insurance Code Section 10127.8
(a) The purpose of this section is to assure truthful and adequate disclosure of all material and relevant information in the advertising of term life...
California Insurance Code Section 10127.9
(a) Every policy of individual life insurance which is initially delivered or issued for delivery in this state on and after January 1, 1990, shall...
California Insurance Code Section 10127.10
(a) Every policy of individual life insurance and every individual annuity contract that is initially delivered or issued for delivery to a senior citizen in...
California Insurance Code Section 10127.11
Every insurer and life agent offering for sale individual life insurance policies or individual annuity contracts that are initially delivered or issued for delivery to...
California Insurance Code Section 10127.12
Whenever an insurer provides an annual statement to a senior citizen policyowner of an individual life insurance policy or an individual annuity contract issued after...
California Insurance Code Section 10127.13
All individual life insurance policies and individual annuity contracts for senior citizens that contain a surrender charge period shall either disclose the surrender period and...
California Insurance Code Section 10127.14
(a) The department and the Department of Managed Health Care shall compile information required by this section and Section 1363.06 of the Health and Safety...
California Insurance Code Section 10127.16
(a) After the termination of the pilot program under Section 10127.15, a health insurer shall continue to provide coverage under the same terms and conditions...
California Insurance Code Section 10127.17
(a) The Life and Annuity Consumer Protection Fund is hereby created as a special account within the Insurance Fund. Each insurer admitted to transact insurance...
California Insurance Code Section 10127.18
(a) On and after January 1, 2005, a health insurer issuing individual policies of health insurance that ceases to offer individual coverage in this state...
California Insurance Code Section 10127.19
Commencing March 1, 2013, and at least annually thereafter, every health insurer, not including a health insurer offering specialized health insurance policies, shall provide to...
California Insurance Code Section 10128
The provisions of this article shall apply to all policies of group life insurance issued in this state pursuant to the provisions of Sections 10202,...
California Insurance Code Section 10128.1
In this article, unless the context otherwise requires: (a) "Carrier" means the insurance company, nonprofit hospital service corporation, or other entity responsible for the payment...
California Insurance Code Section 10128.2
Every policy containing a life insurance benefit shall contain a reasonable extension of such benefit upon discontinuance of the policy with respect to employees who...
California Insurance Code Section 10128.3
(a) Any carrier providing replacement coverage with respect to hospital, medical or surgical benefits on an expense-incurred or service basis within a period of 60...
California Insurance Code Section 10128.4
This article shall apply to all policies issued, delivered, amended, or renewed in this state after January 1, 1977. A policy subject to the provisions...
California Insurance Code Section 10128.50
(a) This article shall be known as the California Continuation Benefits Replacement Act, or "Cal-COBRA." (b) It is the intent of the Legislature that continued...
California Insurance Code Section 10128.51
(a) "Continuation coverage" means extended coverage under the group benefit plan under which an eligible employee or eligible dependent is currently covered, or, in the...
California Insurance Code Section 10128.52
The continuation coverage requirements of this article do not apply to the following individuals: (a) Individuals who are entitled to Medicare benefits or become entitled...
California Insurance Code Section 10128.53
(a) Every disability insurer, that provides coverage under a group benefit plan to an employer, including those policies and contracts that provide vision-only and dental-only...
California Insurance Code Section 10128.54
(a) Every insurer's evidence of coverage for group benefit plans subject to this article, that is issued, amended, or renewed on or after January 1,...
California Insurance Code Section 10128.55
(a) Every group benefit plan contract between a disability insurer and an employer subject to this article that is issued, amended, or renewed on or...
California Insurance Code Section 10128.56
A qualified beneficiary electing continuation coverage shall pay to the disability insurer, on or before the due date of each payment but not more frequently...
California Insurance Code Section 10128.57
(a) The continuation coverage provided pursuant to this article shall terminate at the first to occur of the following: (1) In the case of a...
California Insurance Code Section 10128.58
A disability insurer subject to this article shall not be obligated to provide continuation coverage to a qualified beneficiary pursuant to this article if an...
California Insurance Code Section 10128.59
(a) A health insurer that provides coverage under a group benefit plan to an employer shall offer an insured who has exhausted continuation coverage under...
California Insurance Code Section 10129
Sections 10130 and 10131 do not apply to group life policies, to group disability policies, or to individual disability policies providing a benefit for loss...
California Insurance Code Section 10129.5
Sections 10130 and 10131 do not apply to annuity contracts which are within the scope of Section 401(g) of the Internal Revenue Code of the...
California Insurance Code Section 10130
A life or disability policy may pass by transfer, will or succession to any person, whether or not the transferee has an insurable interest. Such...
California Insurance Code Section 10131
Notice to an insurer of a transfer of a life or disability policy is not necessary to preserve the validity of the policy unless expressly...
California Insurance Code Section 10132
The beneficiary under a life policy which provides for the payment of its proceeds in periodical installments, may be restrained by its provisions from disposing...
California Insurance Code Section 10133
(a) Upon written consent of the insured first obtained with respect to a particular claim, any disability insurer shall pay group insurance benefits contingent upon,...
California Insurance Code Section 10133.1
Insurers shall provide group policyholders with a current roster of institutional and professional providers under contract to provide services at alternative rates under their group...
California Insurance Code Section 10133.2
When any disability insurer negotiates and enters into a contract with professional or institutional providers to provide services at alternative rates of payment of the...
California Insurance Code Section 10133.3
When any self-insured governmental plan, as defined in Section 12671, negotiates and enters into a contract with professional or institutional providers to provide services at...
California Insurance Code Section 10133.5
(a) The commissioner shall, on or before January 1, 2004, promulgate regulations applicable to health insurers which contract with providers for alternative rates pursuant to...
California Insurance Code Section 10133.55
(a) (1) Except as provided in paragraph (2), every disability insurer covering hospital, medical, and surgical expenses on a group basis that contracts with providers...
California Insurance Code Section 10133.56
(a) A health insurer that enters into a contract with a professional or institutional provider to provide services at alternative rates of payment pursuant to...
California Insurance Code Section 10133.6
It is the intent of the Legislature to ensure that the citizens of this state receive high-quality health care coverage in the most efficient and...
California Insurance Code Section 10133.64
(a) A contract issued, amended, renewed, or delivered on or after January 1, 2012, by or on behalf of a health insurer and a licensed...
California Insurance Code Section 10133.65
(a) This section shall be known and may be cited as the Health Care Providers' Bill of Rights. (b) No contract issued, amended, or renewed...
California Insurance Code Section 10133.66
A health insurer shall comply with all the following: (a) Deadlines shall not be imposed for the receipt of a claim from a professional provider...
California Insurance Code Section 10133.661
On or before July 1, 2006, the commissioner, pursuant to his or her authority under Section 12921.1, shall also complete all of the following duties:...
California Insurance Code Section 10133.67
Pursuant to Section 12921, the commissioner may also agree to payment to a health care provider who submitted a claim for health care benefits provided...
California Insurance Code Section 10133.7
(a) On and after January 1, 1994, any disability insurer shall pay group insurance benefits contingent upon, or for expenses incurred on account of, hospitalization...
California Insurance Code Section 10133.8
(a) The commissioner shall, on or before January 1, 2006, promulgate regulations applicable to all individual and group policies of health insurance establishing standards and...
California Insurance Code Section 10133.9
Within a year after the health insurer's assessment pursuant to paragraph (2) of subdivision (b) of Section 10133.8, health insurers shall report to the Department...
California Insurance Code Section 10134
For the purposes of this article, the following terms have the following meanings: (a) "Buyer's first right of refusal" means any provision in the transfer...
California Insurance Code Section 10135
(a) This article is only applicable to transfers entered into on or after January 1, 2000. (b) Notwithstanding subdivision (a), the changes to this article...
California Insurance Code Section 10136
(a) No direct or indirect transfer of structured settlement payment rights by a payee to which this article applies shall be effective, and no structured...
California Insurance Code Section 10137
A transfer of structured settlement payment rights is void unless a court reviews and approves the transfer and finds the following conditions are met: (a)...
California Insurance Code Section 10138
(a) A transfer agreement, as defined in subdivision (o) of Section 10134, shall not include any provision described in the paragraphs below. Any inclusion of...
California Insurance Code Section 10139
(a) At the time of filing a petition pursuant to Section 10139.5 for court approval, the transferee shall file with the Attorney General a copy...
California Insurance Code Section 10139.1
Any subsequent transfer of any additional structured settlement payments between the payee and transferee may be made only after compliance with all of the requirements...
California Insurance Code Section 10139.2
Any notice required by this article shall be deemed to have been given if addressed to the recipient's last known address and deposited, first class...
California Insurance Code Section 10139.3
(a) None of the provisions of this article may be waived by the payee. (b) Compliance with the requirements set forth in Sections 10136, 10137,...
California Insurance Code Section 10139.4
A violation of this article by a transferee shall constitute an unfair business practice pursuant to Chapter 5 (commencing with Section 17200) of Part 2...
California Insurance Code Section 10139.5
(a) A direct or indirect transfer of structured settlement payment rights is not effective and a structured settlement obligor or annuity issuer is not required...
California Insurance Code Section 10140
(a) No admitted insurer, licensed to issue life or disability insurance, shall fail or refuse to accept an application for that insurance, to issue that...
California Insurance Code Section 10140.1
(a) This section shall apply to the disclosure of genetic test results contained in an applicant or enrollee's medical records by an admitted insurer licensed...
California Insurance Code Section 10140.2
(a) Notwithstanding Section 10140, a health insurance policy issued, amended, or renewed on or after January 1, 2011, shall not be subject to premium, price,...
California Insurance Code Section 10140.5
(a) In addition to any other remedy permitted by law, the commissioner shall have the administrative authority to assess penalties specified in this section against...
California Insurance Code Section 10141
No application for insurance or insurance investigation report furnished by such an insurer to its agents or employees for use in determining the insurability of...
California Insurance Code Section 10142
Nothing in this article shall prohibit use in an application for life or disability insurance of a question asking for the birthplace of an applicant...
California Insurance Code Section 10143
(a) No insurance company licensed in this state shall refuse to issue or sell or renew any policy of life or disability insurance after appropriate...
California Insurance Code Section 10144
No insurer issuing, providing, or administering any contract of individual or group insurance providing life, annuity, or disability benefits applied for and issued on or...
California Insurance Code Section 10144.1
A disability insurer that denies coverage for an experimental medical procedure or plan of treatment for a claimant with a terminal illness, which for the...
California Insurance Code Section 10144.2
(a) No disability insurer covering hospital, medical, or surgical expenses shall deny, refuse to insure, refuse to renew, cancel, restrict, or otherwise terminate, exclude, or...
California Insurance Code Section 10144.3
(a) No admitted insurer licensed to issue life insurance shall refuse to accept an application for insurance, refuse to issue or renew a policy, cancel...
California Insurance Code Section 10144.5
(a) Every policy of disability insurance that covers hospital, medical, or surgical expenses in this state that is issued, amended, or renewed on or after...
California Insurance Code Section 10144.51
(a) (1) Every health insurance policy shall also provide coverage for behavioral health treatment for pervasive developmental disorder or autism no later than July 1,...
California Insurance Code Section 10144.52
(a) For purposes of this part, the terms "provider," "professional provider," "network provider," "mental health provider," and "mental health professional" shall include the term "qualified...
California Insurance Code Section 10144.6
No disability insurer may utilize any information regarding whether a beneficiary's psychiatric inpatient admission was made on a voluntary or involuntary basis for the purpose...
California Insurance Code Section 10145
No insurer issuing, providing, or administering any contract of individual or group insurance providing life, annuity, or disability benefits applied for and issued on or...
California Insurance Code Section 10145.2
(a) Every policy of disability insurance that is issued, amended, or renewed on or after July 1, 2002, that covers hospital, medical, or surgery expenses...
California Insurance Code Section 10145.3
(a) Every disability insurer that covers hospital, medical, or surgical benefits shall provide an external, independent review process to examine the insurer's coverage decisions regarding...
California Insurance Code Section 10145.4
(a) For an insured diagnosed with cancer and accepted into a phase I, phase II, phase III, or phase IV clinical trial for cancer, every...
California Insurance Code Section 10146
The purposes of this article are to establish standards regarding unfair discrimination among individuals of the same class in the underwriting of life or disability...
California Insurance Code Section 10147
As used in this article: (a) "Disability income insurance" means insurance against loss of occupational earning capacity arising from injury, sickness, or disablement, and includes...
California Insurance Code Section 10148
No insurer shall require a test for the presence of a genetic characteristic for the purpose of determining insurability other than for those policies that...
California Insurance Code Section 10149
(a) All underwriting activities undertaken by insurers pursuant to this article shall be subject to all applicable provisions of Article 6.6 (commencing with Section 791)...
California Insurance Code Section 10149.1
(a) This section shall apply to the disclosure of the results of a test for a genetic characteristic requested by an insurer pursuant to this...
California Insurance Code Section 10150
The provisions of this article shall not apply to annuities, industrial policies or to term contracts issued for periods of twenty years or less.
California Insurance Code Section 10150.1
This article is not applicable to life policies issued on or after the operative date as to such policies of Article 3a, Chapter 1, Part...
California Insurance Code Section 10151
Every contract or policy of life insurance (excluding additional benefits specified therein or issued in connection therewith for accidental death or disability) hereinafter made by...
California Insurance Code Section 10152
In lieu of the application of the provisions for automatic insurance upon nonpayment of premium the policy may be surrendered to the insurer at its...
California Insurance Code Section 10153
No agreement between the insurer and the policy holder or applicant for insurance contrary to the foregoing shall be held to waive any of the...
California Insurance Code Section 10154
Any life policy issued upon the life of a resident of this State and delivered within this State, which does not contain an automatic nonforfeiture...
California Insurance Code Section 10159.1
This article is applicable only to policies and contracts issued on or after the operative date as to such policies or contracts of this article.
California Insurance Code Section 10159.2
After December 31, 1943, any insurer may file with the commissioner a written notice of its election to comply with the provisions of this article...
California Insurance Code Section 10160
Except as provided in Section 10165, no policy of life insurance shall be delivered or issued for delivery in this state unless it shall contain...
California Insurance Code Section 10161
Any cash surrender value available under the policy in the event of default in a premium payment due on any policy anniversary, whether or not...
California Insurance Code Section 10162
Any paid-up nonforfeiture benefit available under the policy in the event of default in a premium payment due on any policy anniversary shall be such...
California Insurance Code Section 10163
This section shall not apply to policies issued on or after the operative date of Section 10163.2 as defined therein. Except as provided in the...
California Insurance Code Section 10163.1
(a) In the case of ordinary policies issued on or after the operative date of this subdivision as defined herein, all adjusted premiums and present...
California Insurance Code Section 10163.2
(a) This section shall apply to all policies issued on or after the operative date of this section as defined herein. Except as provided in...
California Insurance Code Section 10163.3
In the case of any plan of life insurance that provides for future premium determination, the amounts of which are to be determined by the...
California Insurance Code Section 10163.35
(a) Notwithstanding any other provision of law, the form of any policy, contract, or certificate providing life insurance that is subject to this article shall...
California Insurance Code Section 10164
Any cash surrender value and any paid-up nonforfeiture benefit available under the policy in the event of default in a premium payment due at any...
California Insurance Code Section 10164.1
This section shall apply to all policies issued on or after January 1, 1986. Any cash surrender value available under the policy in the event...
California Insurance Code Section 10164.2
(a) For a policy of individual life insurance that is surrendered by the policy owner, the insurer shall return to the owner all moneys due...
California Insurance Code Section 10165
This article shall not apply to any of the following: (a) Reinsurance. (b) Group insurance. (c) Pure endowment. (d) Annuity or reversionary annuity contract. (e)...
California Insurance Code Section 10166
No agreement between the insurer and the policyholder or applicant for insurance contrary to this article shall be held to waive any of the provisions...
California Insurance Code Section 10167
Any policy to which this article is applicable which does not contain a paid-up nonforfeiture benefit shall be construed as granting nonparticipating paid-up term insurance...
California Insurance Code Section 10167.5
(a) Whenever a nonforfeiture benefit is implemented by a life insurer in connection with a defaulting policyowner, the insurer shall provide a notice to the...
California Insurance Code Section 10168
This article shall not apply to any reinsurance, group annuity purchased under a retirement plan or plan of deferred compensation established or maintained by an...
California Insurance Code Section 10168.1
In the case of contracts issued on or after the operative date of this article as defined in Section 10168.10, no contract of annuity, except...
California Insurance Code Section 10168.2
(a) This section shall apply to contracts issued before January 1, 2004, and may be applied by a company, on a contract-form-by-contract-form basis, to any...
California Insurance Code Section 10168.25
(a) This section shall apply to contracts issued on and after January 1, 2006, and may be applied by a company, on a contract-form-by-contract-form basis,...
California Insurance Code Section 10168.3
Any paid-up annuity benefit available under a contract shall be such that its present value on the date annuity payments are to commence is at...
California Insurance Code Section 10168.4
For contracts which provide cash surrender benefits, such cash surrender benefits available prior to maturity shall not be less than the present value as of...
California Insurance Code Section 10168.5
For contracts which do not provide cash surrender benefits, the present value of any paid-up annuity benefit available as a nonforfeiture option at any time...
California Insurance Code Section 10168.6
For the purpose of determining the benefits calculated under Sections 10168.4 and 10168.5, in the case of annuity contracts under which an election may be...
California Insurance Code Section 10168.7
Any contract which does not provide cash surrender benefits or does not provide death benefits at least equal to the minimum nonforfeiture amount prior to...
California Insurance Code Section 10168.8
Any paid-up annuity, cash surrender or death benefits available at any time, other than on the contract anniversary under any contract with fixed scheduled considerations,...
California Insurance Code Section 10168.9
For any contract which provides, within the same contract by rider or supplemental contract provision, both annuity benefits and life insurance benefits that are in...
California Insurance Code Section 10168.10
After the effective date of this article, any company may file with the commissioner a written notice of its election to comply with the provisions...
California Insurance Code Section 10168.92
The commissioner may adopt regulations to implement the provisions of this article.
California Insurance Code Section 10168.93
(a) Notwithstanding any other provision of law, the form of any annuity contract that is subject to this article shall be filed by the obligor...
California Insurance Code Section 10169
(a) Commencing January 1, 2001, there is hereby established in the department the Independent Medical Review System. (b) For the purposes of this chapter, "disputed...
California Insurance Code Section 10169.1
(a) If there is an imminent and serious threat to the health of the insured, as specified in subdivision (c) of Section 10169.3, all necessary...
California Insurance Code Section 10169.2
(a) By January 1, 2001, the department shall contract with one or more independent medical review organizations in the state to conduct reviews for purposes...
California Insurance Code Section 10169.3
(a) Upon receipt of information and documents related to a case, the medical professional reviewer or reviewers selected to conduct the review by the independent...
California Insurance Code Section 10169.5
(a) After considering the results of a competitive bidding process and any other relevant information on program costs, the commissioner shall establish a reasonable, per-case...
California Insurance Code Section 10170
Life insurance may be made payable as follows: (a) On the death of the insured. (b) On his or her surviving a specified period. (c)...
California Insurance Code Section 10171
Any life policy or other agreement relating to the holding or payment of the proceeds of a life policy may provide that the proceeds thereof...
California Insurance Code Section 10172
Notwithstanding Sections 751 and 1100 of the Family Code and Section 249.5 of the Probate Code, when the proceeds of, or payments under, a life...
California Insurance Code Section 10172.5
(a) Notwithstanding any other provision of law, each insurer admitted to transact life insurance, credit life insurance, or accidental death insurance in this state that...
California Insurance Code Section 10173
When a policy of life insurance is assigned in writing the insurer may deal with the assignee in any manner not inconsistent with the terms...
California Insurance Code Section 10173.2
When a policy of life insurance is, after the effective date of this section, assigned in writing as security for an indebtedness, the insurer shall,...
California Insurance Code Section 10174
Policies of disability insurance, as defined in Section 106, that provide for death benefits, shall, as to those death benefits, be subject to Sections 10172,...
California Insurance Code Section 10175
Nothing contained in Sections 10172, 10173 or 10174 shall affect any claim or right to any policy or the proceeds thereof, or payments thereunder, as...
California Insurance Code Section 10175.5
(a) No disability insurance contract with a physician and surgeon, physician and surgeon group, or other licensed health care practitioner shall contain any incentive plan...
California Insurance Code Section 10176
(a) In disability insurance, the policy may provide for payment of medical, surgical, chiropractic, physical therapy, speech pathology, audiology, acupuncture, professional mental health, dental, hospital,...
California Insurance Code Section 10176.1
As of the effective date of the amendments to this section enacted at the 1969 Regular Session of the Legislature all disability policies shall be...
California Insurance Code Section 10176.2
As an alternative to the exclusion permitted by Section 10176, a disability insurance policy may provide that services of a licensed physical therapist, licensed pursuant...
California Insurance Code Section 10176.25
(a) As an alternative to an exclusion permitted by Section 10176, a disability insurance policy may provide that services of a registered dietitian or other...
California Insurance Code Section 10176.3
The amendments to Section 10176 and the addition of Section 10176.2 enacted at the 1971 Regular Session of the Legislature shall be applicable only to...
California Insurance Code Section 10176.4
For purposes of establishing the fact of disability in credit disability insurance, disability insurance or life insurance, chiropractors' certifications of disability when made within the...
California Insurance Code Section 10176.5
Disability insurance which is written or issued for delivery outside California in a state the laws of which require recognition of psychologists licensed in such...
California Insurance Code Section 10176.6
On and after January 1, 1982, every policy of disability insurance which is issued, amended, delivered, or renewed that covers hospital, medical, or surgical expenses...
California Insurance Code Section 10176.61
(a) Every insurer issuing, amending, delivering, or renewing a disability insurance policy on or after January 1, 2000, that covers hospital, medical, or surgical expenses...
California Insurance Code Section 10176.7
(a) Disability insurance where the insurer is licensed to do business in this state and which provides coverage under a contract of insurance which includes...
California Insurance Code Section 10176.8
A disability insurance policy may provide that services of a respiratory care practitioner certified pursuant to Chapter 8.3 (commencing with Section 3700) of the Division...
California Insurance Code Section 10176.9
No policy, contract, or agreement coming within the provisions of this article, issued, entered into or renewed on or after July 1, 1984, shall be...
California Insurance Code Section 10176.10
(a) On or after January 1, 1994, no disability insurer issuing policies covering hospital, surgical, or medical expenses delivered or renewed in this state or...
California Insurance Code Section 10177
(a) A self-insured employee welfare benefit plan may provide for payment of professional mental health expenses upon a reimbursement basis, or for the exclusion of...
California Insurance Code Section 10177.5
A self-insured employee welfare benefit plan which is written or issued for delivery outside California in a state the laws of which require recognition of...
California Insurance Code Section 10177.6
On and after the effective date of this section, a self-insured employee welfare benefit plan shall not prohibit the insured from selecting any person who...
California Insurance Code Section 10177.7
On and after January 1, 1982, every self-insured employee welfare benefit plan which is issued, amended, delivered, or renewed that covers hospital, medical, or surgical...
California Insurance Code Section 10177.8
(a) A self-insured employee welfare benefit plan doing business in this state and providing coverage that includes California residents but that may be written or...
California Insurance Code Section 10177.9
(a) It is the intent of the Legislature that all persons licensed in this state to engage in the practice of dentistry shall be accorded...
California Insurance Code Section 10178
No admitted insurer, union trust fund which administers health, medical, or surgical insurance, or employer which has an insurance company administering its health services program,...
California Insurance Code Section 10178.3
(a) In order to prevent the improper selling, leasing, or transferring of a health care provider's contract, it is the intent of the Legislature that...
California Insurance Code Section 10178.4
(a) When a contracting agent sells, leases, or transfers a health provider's contract to a payor, the rights and obligations of the provider shall be...
California Insurance Code Section 10178.5
(a) Every self-insured employee welfare benefit plan issued, amended, or renewed on and after January 1, 1987, that offers coverage for medical transportation services, shall...
California Insurance Code Section 10179
A disability insurer that offers or provides coverage for any services that are legally within the scope of the practice of podiatric medicine, as defined...
California Insurance Code Section 10180
(a) A disability insurer which negotiates and enters into a contract with professional providers to provide services at alternative rates of payment pursuant to Section...
California Insurance Code Section 10181
For purposes of this article, the following definitions shall apply: (a) "Large group health insurance policy" means a group health insurance policy other than a...
California Insurance Code Section 10181.2
This article shall apply to health insurance policies offered in the individual or group market in California. However, this article shall not apply to a...
California Insurance Code Section 10181.3
(a) (1) All health insurers shall file with the department all required rate information for individual and small group health insurance policies at least 60...
California Insurance Code Section 10181.4
(a) For large group health insurance policies, all health insurers shall file with the department at least 60 days prior to implementing any rate change...
California Insurance Code Section 10181.5
Notwithstanding any provision in a contract between a health insurer and a provider, the department may request from a health insurer any information required under...
California Insurance Code Section 10181.6
(a) A filing submitted under this article shall be actuarially sound. (b) (1) The health insurer shall contract with an independent actuary or actuaries consistent...
California Insurance Code Section 10181.7
(a) Notwithstanding Chapter 3.5 (commencing with Section 6250) of Division 7 of Title 1 of the Government Code, all information submitted under this article shall...
California Insurance Code Section 10181.9
(a) On or before July 1, 2012, the commissioner may issue guidance to health insurers regarding compliance with this article. This guidance shall not be...
California Insurance Code Section 10181.11
(a) Whenever it appears to the department that any person has engaged, or is about to engage, in any act or practice constituting a violation...
California Insurance Code Section 10181.13
The department shall do all of the following in a manner consistent with applicable federal laws, rules, and regulations: (a) Provide data to the United...
California Insurance Code Section 10190
The provisions of Sections 800, 801, 802, 803, and 804 shall not apply to life insurance.
California Insurance Code Section 10191
(a) The commissioner may, from time to time as conditions warrant, after notice and hearing, promulgate such reasonable rules and regulations, and amendments and additions...
California Insurance Code Section 10192
If a policy of life insurance becomes paid up pursuant to a paid up nonforfeiture benefit, the insurer shall send a notice to the owner...
California Insurance Code Section 10192.1
All Medicare supplement policies and certificates shall comply with the provisions of subdivision (b) of Section 10291.5 and Chapter 7 (commencing with Section 10600) of...
California Insurance Code Section 10192.2
The purpose of this article is to provide for the reasonable standardization of coverage and simplification of terms and benefits of Medicare supplement policies, to...
California Insurance Code Section 10192.3
(a) Except as otherwise provided in this section or in Sections 10192.7, 10192.12, 10192.13, 10192.16, and 10192.21, this article shall apply to all Medicare supplement...
California Insurance Code Section 10192.4
The following definitions apply for the purposes of this article: (a) "Applicant" means: (1) The person who seeks to contract for insurance benefits, in the...
California Insurance Code Section 10192.5
A policy or certificate shall not be advertised, solicited, or issued for delivery as a Medicare supplement policy or certificate unless the policy or certificate...
California Insurance Code Section 10192.55
(a) With regard to Medicare supplement policies, all insurers, brokers, agents, and others engaged in the business of insurance owe a policyholder or a prospective...
California Insurance Code Section 10192.6
(a) Except for permitted preexisting condition clauses as described in Sections 10192.7, 10192.8, and 10192.81, a policy or certificate shall not be advertised, solicited, or...
California Insurance Code Section 10192.7
A policy or certificate shall not be advertised, solicited, or issued for delivery as a Medicare supplement policy or certificate prior to January 1, 2001,...
California Insurance Code Section 10192.8
The following standards are applicable to all Medicare supplement policies or certificates advertised, solicited, or issued for delivery on or after January 1, 2001, and...
California Insurance Code Section 10192.81
The following standards are applicable to all Medicare supplement policies or certificates delivered or issued for delivery in this state with an effective date on...
California Insurance Code Section 10192.9
The following standards are applicable to all Medicare supplement policies or certificates delivered or issued for delivery in this state on or after July 1,...
California Insurance Code Section 10192.91
The following standards are applicable to all Medicare supplement policies or certificates delivered or issued for delivery in this state with an effective date on...
California Insurance Code Section 10192.10
(a) (1) This section shall apply to Medicare Select policies and certificates, as defined in this section. (2) A policy or certificate shall not be...
California Insurance Code Section 10192.11
(a) (1) An issuer shall not deny or condition the issuance or effectiveness of any Medicare supplement policy or certificate available for sale in this...
California Insurance Code Section 10192.12
(a) (1) With respect to the guaranteed issue of a Medicare supplement policy, eligible persons are those individuals described in subdivision (b) who seek to...
California Insurance Code Section 10192.13
(a) An issuer shall comply with Section 1882(c)(3) of the federal Social Security Act (as enacted by Section 4081(b)(2)(C) of the federal Omnibus Budget Reconciliation...
California Insurance Code Section 10192.14
(a) (1) (A) With respect to loss ratio standards, a Medicare supplement policy form or certificate form shall not be advertised, solicited, or issued for...
California Insurance Code Section 10192.15
(a) An issuer shall not advertise, solicit, or issue for delivery a policy or certificate to a resident of this state unless the policy form...
California Insurance Code Section 10192.16
(a) An issuer or other entity may provide commission or other compensation to an agent or other representative for the sale of a Medicare supplement...
California Insurance Code Section 10192.165
(a) (1) As prescribed in this chapter, the commissioner shall have the administrative authority to assess penalties against issuers, brokers, agents, and other entities engaged...
California Insurance Code Section 10192.17
(a) Medicare supplement policies and certificates shall include a renewal, continuation, or conversion provision. The language or specifications of the provision shall be consistent with...
California Insurance Code Section 10192.18
(a) Application forms shall include the following questions designed to elicit information as to whether, as of the date of the application, the applicant currently...
California Insurance Code Section 10192.185
In addition to any other requirements of law, the following shall apply to a Medicare supplement policy: (a) The issuer shall not require an amount...
California Insurance Code Section 10192.19
(a) An issuer shall provide a copy of any Medicare supplement advertisement intended for use in this state whether through written, radio, or television medium...
California Insurance Code Section 10192.195
The commissioner may prescribe by regulation a standard form and the contents of an informational brochure for persons eligible for Medicare by reason of age...
California Insurance Code Section 10192.20
(a) An issuer, directly or through its producers, shall do each of the following: (1) Establish marketing procedures to ensure that any comparison of policies...
California Insurance Code Section 10192.21
(a) In recommending the purchase or replacement of any Medicare supplement policy or certificate, an agent shall make reasonable efforts to determine the appropriateness of...
California Insurance Code Section 10192.22
(a) On or before March 1 of each year, an issuer shall report the following information for every individual resident of this state for which...
California Insurance Code Section 10192.23
(a) If a Medicare supplement policy or certificate replaces another Medicare supplement policy or certificate, the replacing issuer shall waive any time periods applicable to...
California Insurance Code Section 10192.24
This section applies to all policies with policy years beginning on or after May 21, 2009. (a) In addition to the requirements set forth under...
California Insurance Code Section 10198.6
For purposes of this article: (a) "Health benefit plan" means any group or individual policy or contract that provides medical, hospital, or surgical benefits. The...
California Insurance Code Section 10198.61
(a) For purposes of this article, "health benefit plan" does not include policies or certificates of specified disease or hospital confinement indemnity provided that the...
California Insurance Code Section 10198.7
(a) No health benefit plan that covers three or more persons and that is issued, renewed, or written by any insurer, nonprofit hospital service plan,...
California Insurance Code Section 10198.8
This article applies to all health benefit plans that provide hospital, medical, or surgical benefits to residents of this state regardless of the situs of...
California Insurance Code Section 10198.9
(a) Except in the case of a late enrollee, or for satisfaction of a preexisting condition clause in the case of initial coverage of an...
California Insurance Code Section 10198.10
This article shall remain in effect only until January 1, 2014, and as of that date is repealed, unless a later enacted statute, that is...
California Insurance Code Section 10199
The purpose of the chapter is to promote the public interest, to prevent unfair and unlawful health care business practices, and to promote adequate consumer...
California Insurance Code Section 10199.1
(a) No insurer or nonprofit hospital service plan or administrator acting on its behalf shall terminate a group master policy or contract providing hospital, medical,...
California Insurance Code Section 10199.2
(a) The written notice described in subdivisions (a) and (b) of Section 10199.1 shall state in italics and in 12-point type the actual dollar amount...
California Insurance Code Section 10199.3
There shall be no liability on the part of, and no cause of action of any nature shall arise against, any entity required to provide...
California Insurance Code Section 10199.4
Proof of mailing a notice and the reason therefor to the appropriate entity or individual at the last known mailing address shall be sufficient proof...
California Insurance Code Section 10199.44
(a) On or after January 1, 1994, every insurer issuing, amending, or renewing group disability insurance which covers hospital, medical, or surgical expenses shall notify...
California Insurance Code Section 10199.46
(a) On or after January 1, 1994, every nonprofit hospital service plan issued, amended, or renewed that covers hospital, medical, or surgical expenses on a...
California Insurance Code Section 10199.48
(a) No health insurer shall, with regard to a group contract, change the premium rates or applicable copayments or coinsurances or deductibles for the length...
California Insurance Code Section 10199.5
The commissioner may, as conditions warrant, pursuant to Chapter 3.5 (commencing with Section 11340) of Part 1 of Division 3 of Title 2 of the...
California Insurance Code Section 10199.6
(a) The commissioner shall have the administrative authority to assess penalties against insurers, nonprofit hospital service plans, administrators, and insurance producers, and other entities engaged...
California Insurance Code Section 10199.7
(a) Any production agent, administrator, or other person or entity engaged in the business of insurance, other than an insurer, who violates this chapter is...
California Insurance Code Section 10199.8
In addition to any other penalty provided by law or the availability of any administrative procedure, if an insurer, after notice and hearing, is found...
California Insurance Code Section 10199.9
This chapter applies to all master group policies and master group nonprofit hospital service plan contracts providing hospital, medical, or surgical benefits, regardless of policy...
California Insurance Code Section 10200
Any life insurer may issue life, disability, term, and endowment insurance on the group plan, with or without annuities, and with premium rates less than...
California Insurance Code Section 10200.2
An insurer may, in the discretion of the contracting parties, enter into a contract with a group policyholder or other contracting entity under any group,...
California Insurance Code Section 10200.5
The term "franchise" or "wholesale" insurance shall mean a life insurance plan under which a number of individual life insurance policies are issued at special...
California Insurance Code Section 10201
The only forms of group life insurance are those set forth in this chapter.
California Insurance Code Section 10202
Life insurance conforming to all the following conditions is one form of group life insurance: (a) Written under a policy covering when issued not less...
California Insurance Code Section 10202.5
(a) The term "employees" as used in Section 10202 may include the officers, managers and employees of subsidiary or affiliated corporations, and the individual proprietors,...
California Insurance Code Section 10202.8
A group life policy conforming to all the following conditions may be issued to the trustees of a fund established by employer members of a...
California Insurance Code Section 10202.81
The State and any political subdivisions thereof and any municipality, may provide for the type of insurance set forth in Section 10202.8 of this code...
California Insurance Code Section 10202.82
The term "employees" as used in subdivision (a) of Section 10202.8 includes individual proprietors and partners of an employer which is an individual proprietor or...
California Insurance Code Section 10202.85
A policy conforming to Section 10202.8 issued to a county may include as persons eligible, employees of a district located, wholly or partly, within such...
California Insurance Code Section 10203
Life insurance conforming to all of the following conditions is another form of group life insurance: (a) Written under a policy covering, when issued, not...
California Insurance Code Section 10203.1
Life insurance conforming to all the following conditions is another form of group life insurance: (a) Written under a policy covering, when issued, not less...
California Insurance Code Section 10203.2
Life insurance conforming to all the following conditions is another form of group life insurance: (a) Written under a policy covering, when issued, not less...
California Insurance Code Section 10203.4
(a) Insurance under a group life insurance policy issued pursuant to Sections 10202, 10202.8, 10203, 10203.1, and 10203.7 may be extended to insure the dependents,...
California Insurance Code Section 10203.5
(a) Life insurance conforming to all the following conditions is another form of group life insurance: (1) Covering one of the following groups: (A) All...
California Insurance Code Section 10203.55
An agricultural or horticultural loan commitment as used in Section 10203.5 and in Article 5.9 (commencing with Section 779.1), Chapter 1, Part 2, Division 1...
California Insurance Code Section 10203.7
Life insurance conforming to all the following conditions is another form of group life insurance: (a) Written under a policy covering when issued, not less...
California Insurance Code Section 10203.8
Life insurance conforming to all of the following conditions is another form of group life insurance: (a) Covering the lives of every eligible member of...
California Insurance Code Section 10203.9
In addition to the other specific circumstances under which a group life policy may be issued under this chapter a group life policy may be...
California Insurance Code Section 10203.10
(a) Life insurance conforming to all of the following conditions is another form of group life insurance: (1) Written under a policy issued and delivered...
California Insurance Code Section 10204
For the purpose of this chapter, the term "employer" includes the association or union designated by Section 10203, and the institution, vendor, credit union, or...
California Insurance Code Section 10204.5
(a) In addition to the issuance of group life insurance to groups in this state as permitted elsewhere in this chapter, the commissioner may approve...
California Insurance Code Section 10205
A policy of group life insurance shall not be issued or delivered in this State nor, except as otherwise provided in Section 10205.5, shall an...
California Insurance Code Section 10205.5
An insurer is permitted to provide group life coverage prior to the approval of the form of the policy if all of the conditions of...
California Insurance Code Section 10205.6
The commissioner may suspend or revoke the permission granted any insurer in Section 10205.5 if, after notice and hearing in accordance with Chapter 5 of...
California Insurance Code Section 10206
(a) The policy shall provide that the validity of the policy shall not be contested, except for nonpayment of premiums, after it has been in...
California Insurance Code Section 10206.5
The policy may provide that the insurer is not liable, or is liable only in a reduced amount, for losses arising from conditions: (a) Relating...
California Insurance Code Section 10207
The policy shall contain a provision that: (a) The policy, the application of the employer and the individual applications, if any, of the employees constitute...
California Insurance Code Section 10208
The policy shall contain a provision for the equitable adjustment of the premium or the amount of insurance payable in the event of a misstatement...
California Insurance Code Section 10209
(a) Except as provided by Sections 10203.5 and 10203.8, the policy shall contain a provision that the insurer will issue to the employer for delivery...
California Insurance Code Section 10209.1
An individual certificate shall be individualized, except that in the case of an individual certificate issued under a group policy which requires no regular contribution...
California Insurance Code Section 10209.3
(a) Subject to the terms of the policy, or pursuant to an agreement between the insured, the group policyholder, and the insurer, any person insured...
California Insurance Code Section 10210
The policy shall contain a provision that to the groups or classes originally insured there will be added from time to time all new employees...
California Insurance Code Section 10210.5
Whenever any provision of this chapter requires the payment of a premium by any person, such requirement relates to the responsibility for the payment of...
California Insurance Code Section 10211
Policies of group life insurance may conform to the following conditions, any other provisions of this chapter notwithstanding: (a) When issued in this State by...
California Insurance Code Section 10212
Except as provided in this chapter, in every group policy issued by a domestic life insurer, the employer is the policyholder for all purposes within...
California Insurance Code Section 10214
If hereafter any dividend is paid or any premium refunded under any policy of group life insurance heretofore or hereafter issued, the excess, if any,...
California Insurance Code Section 10220
Any life insurer may issue policies of blanket life insurance for a term not exceeding one year with premium rates less than the usual rates...
California Insurance Code Section 10221
The only forms of blanket life insurance are those set forth in this chapter.
California Insurance Code Section 10222
Life insurance conforming to all the following conditions is one form of blanket life insurance: (a) Written under a policy issued to a newspaper, farm...
California Insurance Code Section 10223
A blanket life insurance policy may provide that the insurer is not liable, or is liable only in a reduced amount, for losses arising from...
California Insurance Code Section 10224
Policies of blanket life insurance may conform to the following conditions, any other provisions of this chapter notwithstanding: (a) When issued in this State by...
California Insurance Code Section 10225
A policy of blanket insurance shall not be delivered or issued for delivery in this State until a copy of the form of the policy...
California Insurance Code Section 10231
Unless the context requires otherwise, the definitions in this article shall govern the construction of this chapter.
California Insurance Code Section 10231.2
"Long-term care insurance" includes any insurance policy, certificate, or rider advertised, marketed, offered, solicited, or designed to provide coverage for diagnostic, preventive, therapeutic, rehabilitative, maintenance,...
California Insurance Code Section 10231.4
"Applicant" means either of the following: (a) In the case of an individual long-term care insurance policy, the person who seeks to contract for benefits....
California Insurance Code Section 10231.5
"Certificate" means any certificate issued under a group long-term care insurance policy, which policy has been delivered or issued for delivery in this state.
California Insurance Code Section 10231.6
"Group long-term care insurance" means a long-term care insurance policy which is delivered or issued for delivery in this state and issued to any of...
California Insurance Code Section 10231.8
"Policy" means any policy, contract, subscriber agreement, rider or endorsement delivered or issued for delivery in this state by an insurer, fraternal benefit society, nonprofit...
California Insurance Code Section 10232
(a) No group long-term care insurance coverage may be offered or sold to a resident of this state under a group policy issued in another...
California Insurance Code Section 10232.1
(a) Every policy that is intended to be a qualified long-term care insurance contract as provided by Public Law 104-191 shall be identified as such...
California Insurance Code Section 10232.2
(a) Every insurer that offers policies or certificates that are intended to be federally qualified long-term care insurance contracts, including riders to life insurance policies...
California Insurance Code Section 10232.3
(a) All applications for long-term care insurance except that which is guaranteed issue, shall contain clear, unambiguous, short, simple questions designed to ascertain the health...
California Insurance Code Section 10232.4
(a) No long-term care insurance policy or certificate other than a group policy or certificate, as described in subdivision (a) of Section 10231.6, shall use...
California Insurance Code Section 10232.5
On or after January 1, 1990, no long-term care insurance policy may be delivered or issued for delivery in this state which does any of...
California Insurance Code Section 10232.6
The commissioner may adopt regulations establishing loss ratio standards for long-term care insurance policies provided that a specific reference to long-term care insurance policies is...
California Insurance Code Section 10232.65
In addition to any other requirements of law, the following shall apply to a long-term care insurance policy: (a) The insurer shall not require an...
California Insurance Code Section 10232.7
(a) An applicant for a long-term care insurance policy or a certificate, other than an applicant for a certificate issued under a group long-term care...
California Insurance Code Section 10232.8
(a) In every long-term care policy or certificate that is not intended to be a federally qualified long-term care insurance contract and provides home care...
California Insurance Code Section 10232.9
(a) Every long-term care policy or certificate that purports to provide benefits of home care or community-based services, shall provide at least the following: (1)...
California Insurance Code Section 10232.92
Every long-term care policy or certificate covering confinement in a nursing facility shall also include a provision with the following features: (a) Care in a...
California Insurance Code Section 10232.93
Every long-term care policy or certificate shall define the maximum lifetime benefit as a single dollar amount that may be used interchangeably for any home-...
California Insurance Code Section 10232.95
Every long-term care policy or certificate that provides reimbursement for care in a nursing facility shall cover and reimburse for per diem expenses, as well...
California Insurance Code Section 10232.96
When a policy or certificate holder of an insurance contract issued prior to December 31, 1996, requests a material modification to the contract as defined...
California Insurance Code Section 10232.97
In every long-term care policy or certificate that covers care in a nursing facility, the threshold establishing eligibility for nursing facility care shall be no...
California Insurance Code Section 10233
Precedent to the payment of benefits for any care covered by the terms of the policy, any insurer offering long-term care insurance as described in...
California Insurance Code Section 10233.2
Long-term care insurance may not: (a) Be canceled, nonrenewed, or otherwise terminated on the grounds of the age or the deterioration of the mental or...
California Insurance Code Section 10233.25
No long-term care policy or certificate that is issued, amended, renewed, or delivered on and after January 1, 2002, shall contain a provision that prohibits...
California Insurance Code Section 10233.3
If a policy or certificate replaces another long-term care policy or certificate, the replacing insurer shall waive any time periods applicable to preexisting conditions and...
California Insurance Code Section 10233.4
No long-term care insurance benefits may be reduced because of out-of-pocket expenditures by the insured or on behalf of the insured by a family member...
California Insurance Code Section 10233.5
(a) An outline of coverage shall be delivered to a prospective applicant for long-term care insurance at the time of initial solicitation through means which...
California Insurance Code Section 10233.6
A certificate issued pursuant to a group long-term care insurance policy, which policy is delivered or issued for delivery in this state, shall include all...
California Insurance Code Section 10233.7
No policy may be advertised, marketed, or offered as long-term care or nursing home insurance unless it complies with this chapter.
California Insurance Code Section 10233.9
Any insurer offering long-term care insurance under this chapter shall provide to the Department of Insurance, for the commissioner's conveyance to the Department of Aging,...
California Insurance Code Section 10234
The commissioner shall, as required by this chapter, or from time to time as conditions warrant, pursuant to Chapter 3.5 (commencing with Section 11340) of...
California Insurance Code Section 10234.2
(a) In addition to all other powers and remedies vested in the commissioner by law, the commissioner shall have administrative authority to assess the penalties...
California Insurance Code Section 10234.3
(a) Any broker, agent, or other entity determined by the commissioner to engage in the business of insurance, other than an insurer, who violates this...
California Insurance Code Section 10234.4
In addition to the assessment of penalties and other applicable remedies, the commissioner may take the following actions upon determination that a violation of this...
California Insurance Code Section 10234.5
(a) Any broker, agent, insurer, or other entity within the jurisdiction of the department who is charged with a violation of this chapter shall be...
California Insurance Code Section 10234.6
(a) The commissioner shall, by June 1 of each year, jointly design the format and content of a consumer rate guide for long-term care insurance...
California Insurance Code Section 10234.7
The commissioner's annual report to the Legislature, as required by Section 10234.6, shall be compiled in consultation with a task force designated by the commissioner...
California Insurance Code Section 10234.8
(a) With regard to long-term care insurance, all insurers, brokers, agents, and others engaged in the business of insurance owe a policyholder or a prospective...
California Insurance Code Section 10234.85
No insurer, broker, agent, or other person shall cause a policyholder to replace a long term care insurance policy unnecessarily. Nothing in this section shall...
California Insurance Code Section 10234.86
(a) Every insurer shall maintain records for each agent of that agent's amount of replacement sales as a percent of the agent' s total annual...
California Insurance Code Section 10234.87
(a) If an insurer replaces a policy or certificate that it has previously issued, the insurer shall recognize past insured status by granting premium credits...
California Insurance Code Section 10234.9
(a) Every insurer providing long-term care coverage in California shall provide a copy of any advertisement intended for use in California to the commissioner for...
California Insurance Code Section 10234.93
(a) Every insurer of long-term care in California shall: (1) Establish marketing procedures to assure that any comparison of policies by its agents or other...
California Insurance Code Section 10234.95
(a) Every insurer or other entity marketing long-term care insurance shall: (1) Develop and use suitability standards to determine whether the purchase or replacement of...
California Insurance Code Section 10234.97
(a) Any time long-term care coverage is replaced, the sales commission that is paid by the insurer and that represents the percentage of the sale...
California Insurance Code Section 10235
Except as provided in Section 10235.95, this article applies to all long-term care insurance policies delivered or issued for delivery in this state on or...
California Insurance Code Section 10235.2
No long-term care insurance policy delivered or issued for delivery in this state shall use the terms set forth below, unless the terms are defined...
California Insurance Code Section 10235.8
No policy may be delivered or issued for delivery in this state as long-term care insurance if the policy limits or excludes coverage by type...
California Insurance Code Section 10235.9
(a) Every insurer shall report annually by June 30 the total number of claims denied by each class of business in the state and the...
California Insurance Code Section 10235.10
Termination of long-term care insurance shall be without prejudice to any benefits payable for institutionalization if that institutionalization began while the long-term care insurance was...
California Insurance Code Section 10235.14
(a) Individual long-term care insurance policies shall contain a renewability provision. This provision shall be appropriately captioned, shall appear on the first page of the...
California Insurance Code Section 10235.16
(a) Long-term care insurance application forms shall include a question designed to elicit information as to whether the proposed insurance is intended to replace any...
California Insurance Code Section 10235.17
For purposes of this chapter, the commissioner shall define inappropriate replacement of long-term care insurance in consultation with other interested parties.
California Insurance Code Section 10235.18
(a) Insurers using direct response solicitation methods shall deliver a notice regarding replacement of accident and sickness or long-term care coverage to the applicant upon...
California Insurance Code Section 10235.20
The commissioner may waive a specific provision or provisions of this article with respect to a specific long-term care insurance policy or certificate upon making...
California Insurance Code Section 10235.30
(a) No insurer may deliver or issue for delivery a long-term care policy in this state unless the insurer offers at the time of application...
California Insurance Code Section 10235.35
(a) Notwithstanding any other provision of law, the commissioner may require the administration by an insurer of the contingent benefit upon lapse, as described in...
California Insurance Code Section 10235.40
(a) No individual long-term care policy or certificate shall be issued until the applicant has been given the right to designate at least one individual,...
California Insurance Code Section 10235.50
Every policy or certificate shall include a provision that gives the policyholder or certificate holder the following rights to reduce coverage and lower premiums: (a)...
California Insurance Code Section 10235.51
(a) Every policy or certificate shall include a provision that gives the insured the option to elect, no less frequently than on each anniversary date...
California Insurance Code Section 10235.52
(a) Every policy shall contain a provision that, in the event the insurer develops new benefits or benefit eligibility or new policies with new benefits...
California Insurance Code Section 10235.91
In the event a non-medicaid national or state long-term care program is created through public funding that substantially duplicates benefits covered by the policy or...
California Insurance Code Section 10235.94
Every policy or certificate shall include a provision giving the policyholder or certificate holder the right to appeal decisions regarding benefit eligibility, care plans, services...
California Insurance Code Section 10235.95
(a) Notwithstanding Section 10235, this section applies to all long-term care policies in force, regardless of their dates of issuance. (b) Interest shall accrue and...
California Insurance Code Section 10236
Every individual and group long-term care policy and certificate under a group long-term care policy shall be either guaranteed renewable or noncancelable. (a) "Guaranteed renewable"...
California Insurance Code Section 10236.1
(a) Benefits under individual long-term care insurance policies issued before new premium rate schedules are approved under Section 10236.11 shall be deemed reasonable in relation...
California Insurance Code Section 10236.2
Except where the provisions of a group contract provide otherwise, the provisions of subdivisions (d) and (e) of Section 10236.1 shall apply to all group...
California Insurance Code Section 10236.5
(a) Every certificate of group insurance issued or delivered in California shall provide for continuation or conversion coverage for the certificate holder if the group...
California Insurance Code Section 10236.8
If a group long-term care policy is replaced by another policy to the same master policyholder issued, the replacing insurer shall do all of the...
California Insurance Code Section 10236.11
The premium rate schedules for all individual and group long-term care insurance policies issued in this state shall be filed with and receive the prior...
California Insurance Code Section 10236.12
All actuaries used by the commissioner to review rate applications submitted by insurers pursuant to this chapter who are employees of the department shall be...
California Insurance Code Section 10236.13
No insurer may increase the premium for an individual or group long-term care insurance policy or certificate approved for sale under this chapter unless the...
California Insurance Code Section 10236.14
Approval of all premium rate schedule increases shall be subject to the following requirements: (a) (1) Premium rate schedule increases shall demonstrate that the sum...
California Insurance Code Section 10236.15
Premium rate schedule increases that have been approved shall be subject to the following: (a) For each rate increase that is implemented, the insurer shall...
California Insurance Code Section 10237
This article applies to all long-term care insurance policies delivered or issued for delivery in this state on or after January 1, 1991.
California Insurance Code Section 10237.1
No insurer may deliver or issue for delivery a long-term care insurance policy or certificate in this state unless the insurer offers to each policyholder...
California Insurance Code Section 10237.2
If the policy is issued to a group, the required offering in Section 10237.1 shall be made to the group policyholder; except that if the...
California Insurance Code Section 10237.3
The offer in Section 10237.1 shall not be required of any of the following: (a) Life insurance policies or riders containing accelerated long-term care benefits....
California Insurance Code Section 10237.4
(a) Inflation protection benefit increases under a policy that contains these benefits shall continue without regard to an insured's age, claim status or claim history,...
California Insurance Code Section 10237.5
(a) An inflation protection provision that increases benefit levels annually in a manner so that the increases are compounded annually at a rate not less...
California Insurance Code Section 10237.6
(a) An insurer shall include the following information in or with the outline of coverage: (1) A graphic comparison of the benefit levels of a...
California Insurance Code Section 10240
A "funeral insurance contract" is a life policy embodying an agreement, for a valuable consideration, to embalm or dispose of, or expressly to procure or...
California Insurance Code Section 10242
The provisions of this chapter shall apply to all funeral insurance contracts issued or delivered in this State upon the life of any person in...
California Insurance Code Section 10244
Anything in this code or elsewhere to the contrary notwithstanding, no funeral insurance contract shall be issued or delivered in this State upon the life...
California Insurance Code Section 10246
All funeral insurance contracts shall be subject in all respects to the provisions of Sections 10150 to 10167 inclusive, and of Sections 10478 to 10489.6...
California Insurance Code Section 10247
Limited death benefit insurance contracts may be issued and delivered in this state upon the life of any person in this state who makes premium...
California Insurance Code Section 10248
(a) Except as permitted in Section 10247, no funeral insurance contract issued or delivered in this state upon the life of any person in this...
California Insurance Code Section 10250
No funeral insurance contract shall be issued or delivered in this State except by an admitted insurer issuing policies on a legal reserve basis.
California Insurance Code Section 10252
No person shall sell or offer for sale any such funeral insurance contract in this state unless he or she is licensed as a life...
California Insurance Code Section 10270
(a) This chapter shall not apply to workmen's compensation insurance, any policy of liability insurance with or without supplementary coverage, or any policy or contract...
California Insurance Code Section 10270.1
(a) As used in this section: (1) "Institution" means any school, college or other institution of learning or the principal or head thereof. "Camp" means...
California Insurance Code Section 10270.2
(a) Blanket insurance is that form of insurance providing coverage for specified circumstances and insuring by description all or nearly all persons within a class...
California Insurance Code Section 10270.2.5
(a) In addition to the permitted types of blanket insurance issued to entities described in Section 10270.2, the commissioner may, in his or her discretion,...
California Insurance Code Section 10270.3
(a) A blanket disability policy of a type permitted under paragraph (2) or (5) of subdivision (a) of Section 10270.2 may include either a coordination...
California Insurance Code Section 10270.4
Any disability insurer may issue policies of group disability insurance and family expense disability insurance as defined in this article but shall not issue any...
California Insurance Code Section 10270.5
Group disability insurance is that form of disability insurance which conforms to all of the following conditions: (a) Written under a master policy, issued to...
California Insurance Code Section 10270.505
Another permitted form of group disability insurance is that which conforms to all of the following conditions. (1) Covering debtors who are or become obligated...
California Insurance Code Section 10270.507
Except as provided in Section 10195 with respect to regulation of group Medicare supplemental insurance, and provisions of law regulating group long-term care insurance, no...
California Insurance Code Section 10270.51
The state and any political subdivisions thereof and any municipality, may provide for the type of insurance set forth in Section 10270.5 of this code...
California Insurance Code Section 10270.55
(a) With respect to a policy issued to a corporation, copartnership or individual employer eligible for group insurance pursuant to Section 10270.5, the term "employees"...
California Insurance Code Section 10270.57
Another form of group disability insurance is that form of disability insurance conforming to the following conditions: (a) Written under a master policy issued to...
California Insurance Code Section 10270.6
Every group disability master policy shall contain the following provisions: (a) A provision that the policy, the application of the policyholder and the individual applications,...
California Insurance Code Section 10270.63
An individual certificate shall be individualized, except that in the case of an individual certificate under a group policy which requires no regular contribution toward...
California Insurance Code Section 10270.65
If hereafter any dividend is paid or any premium refunded under any policy of group disability insurance heretofore or hereafter issued, the excess, if any,...
California Insurance Code Section 10270.7
Family expense disability insurance is that form of disability insurance insuring more than one person and issued to the head of a family or his...
California Insurance Code Section 10270.8
Family expense disability policies shall also contain the following provisions: (a) A provision that the policy and the application, if any, of the head of...
California Insurance Code Section 10270.9
No group disability policy shall be issued or delivered in this state nor, except as otherwise provided in Sections 10270.91 and 10270.98, shall an insurer...
California Insurance Code Section 10270.91
An insurer is permitted to provide group disability coverage prior to the approval of the form of the policy if all of the conditions of...
California Insurance Code Section 10270.92
The commissioner may suspend or revoke the permission granted any insurer in Section 10270.91 if, after notice and hearing in accordance with Chapter 5 of...
California Insurance Code Section 10270.93
No family expense disability policy shall be issued or delivered in this State unless a copy of the form thereof is filed with the commissioner...
California Insurance Code Section 10270.94
The commissioner shall promulgate forms of provisions which incorporate in substance the applicable provisions set forth in Articles 4 (commencing with Section 10329), 4a (commencing...
California Insurance Code Section 10270.95
Without affecting the applicability or degree of applicability of other sections of this chapter, it is hereby specified that the provisions of Sections 10321, 10325,...
California Insurance Code Section 10270.97
Selected group disability insurance is that form of disability insurance conforming to the following conditions: (a) Written under individual policies (1) Issued to not less...
California Insurance Code Section 10270.98
Group disability policies may provide, among other things, that the benefits payable thereunder are subject to reduction if the individual insured has any other coverage...
California Insurance Code Section 10270.99
The term "individual policies or contracts," as used in the first paragraph of Section 10270.98, does not include selected group disability policies or contracts, unless...
California Insurance Code Section 10271
(a) Except as set forth in this section, this chapter shall not apply to, or in any way affect, provisions in life insurance, endowment, or...
California Insurance Code Section 10271.1
(a) (1) Provisions or supplemental contracts that operate to safeguard life insurance contracts against lapse are defined as a waiver of premium benefit or a...
California Insurance Code Section 10272
The term "indemnity," as used in this chapter means benefits promised.
California Insurance Code Section 10273
The term "noncancelable policy" or "noncancelable and guaranteed renewable policy" as used in this chapter means a policy which the insured has the right to...
California Insurance Code Section 10273.3
The term "guaranteed renewable policy" as used in this chapter (commencing with Section 10270) means a policy which the insured has the right to continue...
California Insurance Code Section 10273.4
All disability insurers writing, issuing, or administering group health benefit plans shall make all of these health benefit plans renewable with respect to the policyholder,...
California Insurance Code Section 10273.5
No person shall cause or permit to be issued, circulated or used any representation that a policy defined in Section 10273.3 is "non-can," noncancelable (not...
California Insurance Code Section 10273.6
All individual health benefit plans, except for short-term limited duration insurance, shall be renewable with respect to all eligible individuals or dependents at the option...
California Insurance Code Section 10273.7
(a) A policyholder, certificate holder, or other insured who alleges that a policy or coverage has been or will be canceled, rescinded, or not renewed...
California Insurance Code Section 10274
The term "endorsement" as used in this chapter means any amendment, change, limitation, alteration or restriction of the printed text of a policy by a...
California Insurance Code Section 10275
The term "policy of accident and sickness insurance" as used in this chapter includes any policy or contract covering the kind or kinds of insurance...
California Insurance Code Section 10276
Every individual accident and health policy or contract, except single premium nonrenewable policies or contracts, issued for delivery in this state on or after July...
California Insurance Code Section 10277
(a) A group health insurance policy that provides that coverage of a dependent child of an employee or other member of the covered group shall...
California Insurance Code Section 10278
(a) An individual health insurance policy that provides that coverage of a dependent child shall terminate upon attainment of the limiting age for dependent children...
California Insurance Code Section 10279
(a) Every disability insurer that provides group or individual policies of disability, or both, that provides, operates, or contracts for, telephone medical advice services to...
California Insurance Code Section 10290
A disability policy shall not be issued or delivered to any person in this State until: (a) A copy of the form thereof and, if...
California Insurance Code Section 10291
If the commissioner notifies the insurer, in writing, that the filed form does not comply with the requirements of law, specifying the reasons for his...
California Insurance Code Section 10291.5
(a) The purpose of this section is to achieve both of the following: (1) Prevent, in respect to disability insurance, fraud, unfair trade practices, and...
California Insurance Code Section 10291.6
Insofar as the reduction of any original benefit on account of age of the insured is concerned, a noncancellable policy may be approved if such...
California Insurance Code Section 10292
(a) A supplemental contract described in Section 10271 shall not be delivered or issued for delivery to any person in this state until a copy...
California Insurance Code Section 10293
(a) The commissioner shall, after notice and hearing, withdraw approval of an individual or mass-marketed policy of disability insurance if after consideration of all relevant...
California Insurance Code Section 10320
No policy of accident and sickness insurance shall be delivered or issued for delivery to any person in this State unless: (a) The entire money...
California Insurance Code Section 10321
After issuance a disability policy shall not be amended, changed, limited, altered, or restricted by any means other than rider upon a separate piece of
California Insurance Code Section 10322
If any disability policy is issued by an insurer domiciled in this State for delivery to a person residing in another state, and if the...
California Insurance Code Section 10323
If any provision set forth in Article 4a or 5a of this chapter is in whole or in part inapplicable to or inconsistent with the...
California Insurance Code Section 10324
The provisions which are the subject of Article 4a or 5a of this chapter or any corresponding provisions which are used in lieu thereof in...
California Insurance Code Section 10325
The word "insured," as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest...
California Insurance Code Section 10326
Any disability policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this State, may contain any provision...
California Insurance Code Section 10326.5
Any disability policy of a domestic insurer may, when issued for delivery in any other state or country, contain any provision permitted or required by...
California Insurance Code Section 10327
The commissioner may make such reasonable rules and regulations concerning the procedure for the filing or submission of policies subject to this chapter as are...
California Insurance Code Section 10328
No policy provision which is not subject to Article 4a or 5a of this chapter shall make a policy or any portion thereof less favorable...
California Insurance Code Section 10350
Except as provided in Section 10323, each disability policy delivered or issued for delivery to any person in this State shall contain the provisions specified...
California Insurance Code Section 10350.1
A disability policy shall contain a provision which shall be in the form set forth herein. Entire Contract; Changes: This policy, including the endorsements and...
California Insurance Code Section 10350.2
A disability policy shall contain a provision that shall be in one of the two forms set forth in this section. Policies other than noncancellable...
California Insurance Code Section 10350.3
A disability policy shall contain a provision which shall be in one of the two forms set forth herein. Form A shall be used in...
California Insurance Code Section 10350.4
A disability policy shall contain a provision which shall be in the form set forth herein. The last sentence of such provision may be omitted...
California Insurance Code Section 10350.5
A disability policy shall contain a provision which shall be in one of the two forms set forth herein. Form A may be used in...
California Insurance Code Section 10350.6
A disability policy shall contain a provision which shall be in the form set forth herein. Claim Forms: The insurer, upon receipt of a notice...
California Insurance Code Section 10350.7
A disability policy shall contain a provision which shall be in the form set forth herein. Proofs of Loss: Written proof of loss must be...
California Insurance Code Section 10350.8
A disability policy shall contain a provision which shall be in the form set forth herein. In the blank of such provision will be inserted...
California Insurance Code Section 10350.9
A disability policy shall contain a provision which shall include the following first paragraph and which may, at the option of the insurer, include either...
California Insurance Code Section 10350.10
A disability policy shall contain a provision which shall be in the form set forth herein. Physical Examinations and Autopsy: The insurer at its own...
California Insurance Code Section 10350.11
A disability policy shall contain a provision which shall be in the form set forth herein. Legal Actions: No action at law or in equity...
California Insurance Code Section 10350.12
A disability policy shall contain a provision which shall be in the form set forth herein. At the insurer's option, the clause of such provision...
California Insurance Code Section 10351
Each policy of disability insurance issued or renewed on or after the effective date of this section, shall provide, where feasible, that benefits for confinement...
California Insurance Code Section 10352
(a) Every policy of disability insurance issued, amended, or renewed on and after January 1, 1987, that offers coverage for medical transportation services, shall contain...
California Insurance Code Section 10353
(a) Every policy of disability insurance issued, amended, or renewed on or after January 1, 1992, that offers coverage for perinatal services shall contain a...
California Insurance Code Section 10354
(a) (1) Every policy of disability insurance issued, amended, or renewed on or after January 1, 1994, that offers coverage for perinatal services shall contain...
California Insurance Code Section 10369.1
Except as provided in Section 10323, no disability policy delivered or issued for delivery to any person in this State shall contain provisions respecting the...
California Insurance Code Section 10369.2
A disability policy may contain a provision in the form set forth herein. Change of Occupation: If the insured be injured or contract sickness after...
California Insurance Code Section 10369.3
A disability policy may contain a provision in the form set forth herein. Misstatement of Age: If the age of the insured has been misstated,...
California Insurance Code Section 10369.4
A disability policy may contain a provision which shall, at the option of the insurer, be in one of the two forms set forth herein....
California Insurance Code Section 10369.5
A disability policy may contain a provision in the form set forth in this section. If the provision also contains the provision set forth in...
California Insurance Code Section 10369.6
A disability policy may contain a provision in the form set forth in this section. If the provision is included in a policy which also...
California Insurance Code Section 10369.7
A noncancellable disability policy may contain a provision in the form set forth herein. The insurer may, at its option, include in this provision a...
California Insurance Code Section 10369.8
A disability policy may contain a provision in the form set forth herein. Unpaid Premium: Upon the payment of a claim under this policy, any...
California Insurance Code Section 10369.9
A disability policy may contain a provision in the form set forth herein. Cancellation: The insurer may cancel this policy at any time by written...
California Insurance Code Section 10369.10
A disability policy may contain a provision in the form set forth herein. Conformity With State Statutes: Any provision of this policy which, on its...
California Insurance Code Section 10369.11
A disability policy may contain a provision in the form set forth herein. Illegal Occupation: The insurer shall not be liable for any loss to...
California Insurance Code Section 10369.12
(a) A disability policy may contain a provision in the form set forth herein. Intoxicants and controlled substances: The insurer shall not be liable for...
California Insurance Code Section 10380
The falsity of any statement in the application for any policy covered by this chapter shall not bar the right to recovery under the policy...
California Insurance Code Section 10381
The following shall not operate as a waiver of any of the rights of the insurer in defense of any claim arising under such disability...
California Insurance Code Section 10381.5
The insured shall not be bound by any statement made in an application for a policy unless a copy of such application is attached to...
California Insurance Code Section 10382
No alteration of any written application for any disability policy shall be made by any person other than the applicant without his written consent except...
California Insurance Code Section 10383
If any disability policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy will...
California Insurance Code Section 10384
No insurer issuing or providing any policy of disability insurance covering hospital, medical, or surgical expenses shall engage in the practice of postclaims underwriting. For...
California Insurance Code Section 10384.17
(a) A health insurer shall not rescind a health insurance policy, or limit any provisions of a health insurance policy, once an insured is covered...
California Insurance Code Section 10385
Compensation of a person or entity employed by, or contracted with, a disability insurer shall not be based on, or related in any way to,...
California Insurance Code Section 10390
A policy delivered or issued for delivery to any person in this State in violation of this chapter shall be held valid but shall be...
California Insurance Code Section 10395
The provisions of Sections 800, 801, 802, 803, and 804 shall not apply to disability insurance.
California Insurance Code Section 10400
Any person willfully violating any provision of this chapter or order of the commissioner made in accordance therewith shall forfeit to the people of this...
California Insurance Code Section 10401
Any incorporated insurer admitted for disability insurance and any agent of such insurer, that makes or permits any discrimination between insureds of the same class...
California Insurance Code Section 10402
Any person who, without the prior authorization of an insurer or plan solicits a provider to enter into a contract for alternative rates under Section...
California Insurance Code Section 10402.1
An insurer or plan which accepts or ratifies a contract for alternative rates known by it to have been executed by a provider prior to...
California Insurance Code Section 10430
An admitted life insurer shall not issue or deliver in this State, any securities or any special or advisory board or other contracts of any...
California Insurance Code Section 10431
A life insurer which, as an inducement to insurance, issues or permits its agents, officers, or employees to issue any such securities or contracts in...
California Insurance Code Section 10432
A corporation or stock company, acting as agent of a life insurer and its agents, officers, or employees shall not sell, agree or offer to...
California Insurance Code Section 10433
Upon proof, after notice and hearing, that any such insurer or agent has violated any of the provisions of sections 10430, 10431, or 10432, the...
California Insurance Code Section 10434
(a) An admitted life insurer shall not pay or contract to pay, directly or indirectly, to any of the parties specified in subdivision (b) any...
California Insurance Code Section 10435
Whenever any insurer violates Section 10434, the commissioner may revoke its certificate of authority or refuse to issue a certificate of authority to that insurer.
California Insurance Code Section 10436
An admitted life insurer may issue a rider to a policy of life insurance for the purpose of providing coverage for long-term care, if the...
California Insurance Code Section 10440
In any meeting of members of a domestic mutual insurer writing classes of insurance which include life or disability insurance, the presence in person or...
California Insurance Code Section 10441
The provisions of Section 10440 shall not apply to any of the transactions, meetings, or votes described in Sections 1001, 1103, and 1900 of the...
California Insurance Code Section 10442
Except as otherwise provided in this article or in the other provisions of this code, the internal affairs of every domestic mutual insurer writing classes...
California Insurance Code Section 10450
Any insurer transacting life insurance in this State on September 30, 1939, may register its policies with the commissioner in the manner and subject to...
California Insurance Code Section 10450.5
An insurer which is not registering its policies pursuant to the provisions of this article on September 30, 1939, shall not thereafter be permitted to...
California Insurance Code Section 10450.6
Any insurer registering its policies pursuant to this article on June 30, 1939, which fails prior to September 1, 1941, to file with the commissioner...
California Insurance Code Section 10451
When an insurer elects to register any of its policies, it shall register every policy thereafter issued by it until it discontinues registration.
California Insurance Code Section 10452
Such registration shall in each case show the name and age of the insured, number and date of the policy and the kind and amount...
California Insurance Code Section 10454
An insurer registering policies shall maintain a special deposit of securities with the commissioner for the benefit of such registered policies. Such securities shall be...
California Insurance Code Section 10455
The commissioner shall give his receipt for the securities and the State shall be responsible for the custody and safe return of any securities so
California Insurance Code Section 10456
Such deposit shall be maintained in an amount equal to the full net value of all policies registered up to the time of making the...
California Insurance Code Section 10457
Upon receipt of such securities, the commissioner shall immediately deposit them in the State Treasury in accordance with the provisions of Sections 940 to 946,...
California Insurance Code Section 10458
Such insurer may at any time withdraw any excess of such securities above the required amount upon satisfying the commissioner by written proof that such...
California Insurance Code Section 10459
If such insurer owns the building in which it has its principal office and the land upon which it stands, or if it owns other...
California Insurance Code Section 10460
Such mortgage may be deposited in the State treasury as part of the securities required by this article. Such mortgage is withdrawable in like manner...
California Insurance Code Section 10461
The commissioner may release any such mortgage or may foreclose it in case such foreclosure becomes necessary.
California Insurance Code Section 10462
Should any insurer thus registering policies become insolvent, the commissioner may reinsure all or any part of such registered policies, using the securities thus deposited...
California Insurance Code Section 10463
The commissioner shall require in advance, in lawful money of the United States, as a fee for registering each policy as provided by this article,...
California Insurance Code Section 10478
This article is applicable only to policies and contracts issued prior to the operative date as to such policies or contracts of Article 3a, Chapter...
California Insurance Code Section 10479
The commissioner shall annually value, or cause to be valued, the reserve liabilities (hereinafter called reserves) for all outstanding life insurance policies and annuity and...
California Insurance Code Section 10479.5
When the commissioner has valued the reserve liabilities of an insurer as provided by this article, he or she may upon request of the insurer...
California Insurance Code Section 10480
On or before the first day of March of each year every domestic incorporated life insurer shall furnish the commissioner the necessary data for determining...
California Insurance Code Section 10481
Every admitted foreign life insurer shall, upon the written demand of the commissioner, furnish him or her, at such time as he designates, the requisite...
California Insurance Code Section 10482
Except as provided in Sections 10484 and 10485, and except as provided in Section 10489.7 for benefits purchased under group annuity and pure endowment contracts...
California Insurance Code Section 10483
When the laws of any other State require a valuation of the outstanding policies of a domestic life insurer by any standard of valuation different...
California Insurance Code Section 10484
In the case of insurance issued by a domestic insurer authorized to do business in a foreign country upon the lives of residents of that...
California Insurance Code Section 10485
Any life insurer issuing policies of group life insurance may value such policies on any accepted table of mortality with interest assumption adopted by the...
California Insurance Code Section 10486
All policies of group insurance shall be segregated by the insurer into a separate class and the mortality experience kept separate. The number of policies,...
California Insurance Code Section 10486.9
(a) As prescribed in subdivision (b), an insurer may maintain reserves on a one year preliminary term basis on a life, term or endowment policy...
California Insurance Code Section 10488
Reserves for all policies and contracts to which this article applies may be calculated, at the option of the insurer, according to any standards which...
California Insurance Code Section 10489
Any insurer which at any time shall have adopted any standard of valuation producing greater aggregate reserves than those calculated according to the minimum standard...
California Insurance Code Section 10489.1
This article and Sections 10479, 10480, 10481, 10483, 10484, 10486, and 10489 shall apply to the valuation of policies and contracts issued on or after...
California Insurance Code Section 10489.15
(a) Every life and disability insurer doing business in this state shall annually submit the opinion of a qualified actuary as to whether the reserves...
California Insurance Code Section 10489.2
Except as otherwise provided in Sections 10489.3, 10489.4, and 10489.95, the minimum standard for the valuation of all such policies and contracts shall be the...
California Insurance Code Section 10489.3
Except as provided in Section 10489.4, the minimum standard for the valuation of all individual annuity and pure endowment contracts issued on or after the...
California Insurance Code Section 10489.4
(a) The interest rates used in determining the minimum standard for the valuation of all life insurance policies issued in a particular calendar year, on...
California Insurance Code Section 10489.5
Except as otherwise provided in Sections 10489.6, 10489.9, and 10489. 95, reserves according to the commissioners reserve valuation method, for the life insurance and endowment...
California Insurance Code Section 10489.6
This section shall apply to all annuity and pure endowment contracts other than group annuity and pure endowment contracts purchased under a retirement plan or...
California Insurance Code Section 10489.7
(a) In no event shall an insurer's aggregate reserves for all life insurance policies, excluding disability and accidental death benefits, be less than the aggregate...
California Insurance Code Section 10489.8
Reserves for any category of policies, contracts or benefits as established by the commissioner may be calculated, at the option of the insurer, according to...
California Insurance Code Section 10489.9
If in any contract year the gross premium charged by any life insurer on any policy or contract is less than the valuation net premium...
California Insurance Code Section 10489.93
In the case of any plan of life insurance that provides for future premium determination, the amounts of which are to be determined by the...
California Insurance Code Section 10489.94
(a) The Commissioner may issue a bulletin to provide tables of select mortality factors and rules for their use, rules concerning a minimum standard for...
California Insurance Code Section 10489.95
The commissioner shall adopt a regulation concerning the minimum standards applicable to the valuation of disability insurance.
California Insurance Code Section 10490
This article is applicable only to life and disability insurance. Except as otherwise expressly permitted by this code or when transacted pursuant to or expressly...
California Insurance Code Section 10490.1
Any nonprofit incorporated or unincorporated mutual benefit association in existence prior to January 1, 1945, which confines its membership to officers and employees of a...
California Insurance Code Section 10490.2
If an association described in Section 10490.1 has operated pursuant thereto since January 1, 1945, it may procure a certificate of exemption from the commissioner...
California Insurance Code Section 10491
Persons possessing a valid and unrevoked certificate of authority to transact life or disability or life and disability insurance issued by the commissioner are not...
California Insurance Code Section 10492
Any incorporated or unincorporated benefit and relief association organized on or after January 15, 1951, of either nonprofit or charitable character may, if it complies...
California Insurance Code Section 10493
Any incorporated or unincorporated benefit and relief association organized before January 15, 1951, may procure a certificate of exemption from the commissioner if it complies...
California Insurance Code Section 10494
Such a benefit and relief association shall not provide for payment of a death benefit of more than two thousand dollars ($2,000) or for disability...
California Insurance Code Section 10494.2
Any incorporated or unincorporated benefit and relief association, the membership and insurance in which are restricted to the ministers, priests, rabbis, rectors, vicars, pastors, or...
California Insurance Code Section 10494.5
Any employer maintaining a plan for furnishing disability insurance benefits to his employees for nonindustrial and nonoccupational injuries or sickness, under which plan the employer...
California Insurance Code Section 10494.6
Any employer who qualifies for a certificate of exemption under Section 10494.5 by virtue of which certificate he or she maintains a plan for furnishing...
California Insurance Code Section 10494.7
With respect to the supplemental plan described in Section 10494.6, the commissioner may, in addition to the regulations permitted by Section 10498.6, promulgate other reasonable...
California Insurance Code Section 10495
A certificate of exemption may be procured from the commissioner by filing with him or her certified copies of the articles of incorporation, association, bylaws,...
California Insurance Code Section 10496
Any person transacting life or disability insurance without a certificate of authority so to do issued by the commissioner shall not give, allow, or promise...
California Insurance Code Section 10497
If the commissioner finds that an applicant for a certificate of exemption meets the applicable requirements of this article and those requirements of this code,...
California Insurance Code Section 10498
An applicant for a certificate of exemption must comply with, and the possessor of a certificate of exemption is subject to, the following provisions of...
California Insurance Code Section 10498.5
If a holder of a certificate of exemption receives or maintains funds for any purpose other than administering and providing the benefits that make it...
California Insurance Code Section 10498.6
The commissioner may from time to time issue regulations which shall govern persons holding certificates of exemption under this article, setting forth financial and other...
California Insurance Code Section 10499
The commissioner may at any time notify any person possessing a certificate of exemption that the commissioner has grounds to believe that it is violating...
California Insurance Code Section 10500
Every person not expressly exempted by the provisions of this code that transacts life or disability insurance without a valid and unrevoked certificate of authority...
California Insurance Code Section 10501
Any person subject to this article who upon January 1, 1943, was paying, allowing, or promising to pay benefits in the event of death or...
California Insurance Code Section 10505
(a) A labor union having all of the following characteristics is exempt from the provisions of this code relating to life and disability insurance in...
California Insurance Code Section 10505.1
(a) Any nonprofit cooperative assessment association, the membership and insurance in which are restricted to members of a labor union, is exempt from the provisions...
California Insurance Code Section 10506
(a) Any domestic life insurance company may, after adoption of a resolution by its board of directors, allocate to one or more separate accounts, in...
California Insurance Code Section 10506.1
The commissioner shall require the payment of three hundred fifty-four dollars ($354) in lawful money of the United States as a fee for the determination...
California Insurance Code Section 10506.2
(a) The commissioner shall require the payment in advance of one thousand one hundred eighty dollars ($1,180) as a fee for the examination and analysis...
California Insurance Code Section 10506.3
(a) The commissioner shall adopt appropriate administrative regulations governing modified guaranteed annuities. Modified guaranteed annuities shall be subject to Article 3b (commencing with Section 10168)...
California Insurance Code Section 10506.4
(a) An admitted life insurer that is financially qualified pursuant to subdivision (b) and complies with the provisions of this section and those of Section...
California Insurance Code Section 10506.5
(a) For the purposes of this section, "guaranteed living benefit" means a benefit in a variable annuity or a variable life insurance contract providing that...
California Insurance Code Section 10507
(a) Any life insurance company authorized to do business in this state shall be permitted to issue and deliver individual policies in connection with the...
California Insurance Code Section 10507.1
The commissioner shall require the payment of two hundred fifty dollars ($250) as a fee for the determination of qualification required by Section 10507. Upon...
California Insurance Code Section 10507.2
An investment return assurance policy evidencing such insurance, shall not be issued or delivered in this state until a copy of the form thereof is...
California Insurance Code Section 10507.3
No policy of investment return assurance shall be delivered or issued for delivery to any person in this state unless each such policy does all...
California Insurance Code Section 10507.4
In furtherance of the purpose of this article, the commissioner may make reasonable rules and regulations. The rules and regulations shall be adopted, amended, or...
California Insurance Code Section 10507.5
(a) An insurer may deliver or issue for delivery one or more policies, contracts, or agreements that establish the insurer's obligations under the policies, contracts,...
California Insurance Code Section 10508
(a) It is the obligation of every insurer admitted in this state to transact life or disability insurance, or both, to maintain certain records specified...
California Insurance Code Section 10508.5
It shall be the obligation of each life, life and disability, and disability insurance agent and any other agent and insurer to preserve and maintain...
California Insurance Code Section 10508.6
(a) The Legislature finds and declares that there is no statutory authority for the commissioner to gather information or data on life insurance, annuity, or...
California Insurance Code Section 10508.7
A person subject to the requirements of Section 10508.6 who submits any false information in connection with a request for information or data pursuant to...
California Insurance Code Section 10508.8
The commissioner shall ensure, to the furthest extent possible, that any data call issued by him or her does not conflict with any similar data...
California Insurance Code Section 10509
The purpose of this article is the following: (a) To regulate the activities of insurers and agents with respect to the replacement of existing life...
California Insurance Code Section 10509.1
This article is applicable to all individual life insurance and annuity policies.
California Insurance Code Section 10509.2
(a) "Replacement" means any transaction in which new life insurance or a new annuity is to be purchased, and it is known or should be...
California Insurance Code Section 10509.3
(a) Unless otherwise specifically included, this article does not apply to the following: (1) Credit life insurance. (2) Group life insurance or group annuities. (3)...
California Insurance Code Section 10509.4
(a) Each agent who accepts an application shall submit to the insurer with which an application for life insurance or annuity is presented, or as...
California Insurance Code Section 10509.5
Every life insurer shall do the following: (a) Inform its field representatives or other personnel responsible for compliance with this article of the requirements of...
California Insurance Code Section 10509.6
Every life insurer that uses an agent in a life insurance or annuity sale shall do the following: (a) Require with or as part of...
California Insurance Code Section 10509.7
(a) If in the solicitation of a direct response sale, an insurer does not propose the replacement, and a replacement is involved, the insurer shall...
California Insurance Code Section 10509.8
(a) A violation of this article shall occur if an agent or insurer recommends the replacement or conservation of an existing policy by use of...
California Insurance Code Section 10509.9
(a) Any agent or other person or entity engaged in the business of insurance, other than an insurer, who violates this article is liable for...
California Insurance Code Section 10509.910
The purpose of this article is to require insurers to establish a system to supervise recommendations and to set forth standards and procedures for recommendations...
California Insurance Code Section 10509.911
(a) This article shall apply to any recommendation to purchase, exchange, or replace an annuity made to a consumer that results in the purchase, exchange,...
California Insurance Code Section 10509.912
Unless otherwise specifically included, this article shall not apply to transactions involving any of the following: (a) Direct response solicitations where there is no recommendation...
California Insurance Code Section 10509.913
(a) "Annuity" means an annuity that is an insurance product under California law that is individually solicited, whether the product is classified as an individual...
California Insurance Code Section 10509.914
(a) In recommending to a consumer the purchase of an annuity or the exchange of an annuity that results in another insurance transaction or series...
California Insurance Code Section 10509.915
(a) An insurance producer shall not solicit the sale of an annuity product unless the insurance producer has adequate knowledge of the product to recommend...
California Insurance Code Section 10509.916
(a) An insurer is responsible for compliance with this article. If a violation occurs, either because of the action or inaction of the insurer or...
California Insurance Code Section 10509.917
(a) Insurers and insurance producers shall maintain or be able to make available to the commissioner records of the information collected from the consumer and...
California Insurance Code Section 10509.918
The commissioner shall, from time to time as conditions warrant, after notice and hearing, adopt reasonable rules and regulations, and amendments and additions thereto, as...
California Insurance Code Section 10509.930
This act shall be known and may be cited as the Life Insurance Proceeds Disclosure Act of 2011.
California Insurance Code Section 10509.931
The Legislature finds and declares all of the following: (a) The occasion of the death of a spouse, parent, child, partner, or other loved one...
California Insurance Code Section 10509.932
The purpose of this act is to establish disclosure standards regarding the payment of life insurance benefits to a beneficiary by means of a retained...
California Insurance Code Section 10509.933
For the purposes of this article, the following terms have the following definitions: (a) "Insurer" means an insurance company that delivers or issues for delivery...
California Insurance Code Section 10509.934
The insurer shall provide the beneficiary of life insurance proceeds, at the time a claim is made, written information describing the settlement options available under...
California Insurance Code Section 10509.935
If the insurer settles life insurance benefits through a retained asset account, the insurer shall provide the beneficiary with a supplemental contract that clearly discloses...
California Insurance Code Section 10509.936
If the life insurance benefits are placed in a retained asset account, the insurer shall send the beneficiary at least one statement per quarter, and...
California Insurance Code Section 10509.937
The insurer shall provide the following written disclosures to the beneficiary before the retained asset account is established, unless the insurer has already provided these...
California Insurance Code Section 10509.938
An insurer that fails to conform to the requirements provided under this article shall be subject to Article 6.5 (commencing with Section 790) of Chapter...
California Insurance Code Section 10509.950
In order to protect consumers and foster consumer education, this chapter shall govern the regulation of life insurance policy illustrations. It is the intent of...
California Insurance Code Section 10509.952
This chapter shall apply to all group and individual life insurance policies and certificates except as follows: (a) Variable life insurance. (b) Individual and group...
California Insurance Code Section 10509.953
As used in this chapter: (a) "Actuarial Standards Board" means the board established by the American Academy of Actuaries to develop and promulgate standards of...
California Insurance Code Section 10509.954
(a) Each insurer marketing policies to which this chapter is applicable shall notify the commissioner whether a policy form is to be marketed with or...
California Insurance Code Section 10509.955
(a) An illustration used in the sale of a life insurance policy shall satisfy the applicable requirements of this chapter, be clearly labeled "life insurance...
California Insurance Code Section 10509.956
(a) A basic illustration shall conform with the following requirements: (1) The illustration shall be labeled with the date on which it was prepared. (2)...
California Insurance Code Section 10509.957
(a) A supplemental illustration may be provided if it meets all of the following requirements: (1) It is appended to, accompanied by, or preceded by...
California Insurance Code Section 10509.958
(a) (1) If a basic illustration is used by an insurance producer or other authorized representative of the insurer in the sale of a life...
California Insurance Code Section 10509.959
(a) In the case of a policy designated as one for which illustrations will be used, the insurer shall provide each policy owner with an...
California Insurance Code Section 10509.960
(a) The board of directors of each insurer shall appoint one or more illustration actuaries. (b) The illustration actuary shall certify that the disciplined current...
California Insurance Code Section 10509.961
In addition to any other penalties provided by law, an insurer or producer that violates any provision of this chapter shall be subject to Section
California Insurance Code Section 10509.962
The provisions of this chapter are severable. If any provision of this chapter or its application is held invalid, that invalidity shall not affect other...
California Insurance Code Section 10509.963
If the commissioner has reason to believe that any insurer has violated this chapter, the commissioner may request and the insurer shall file both of...
California Insurance Code Section 10509.964
Review by the commissioner of illustrations, supporting materials, certifications, and any and all other materials prepared pursuant to this chapter shall be subject to Section
California Insurance Code Section 10509.965
This chapter shall become effective on and after July 1, 1997, and shall apply to policies sold on or after that date.
California Insurance Code Section 10509.970
It is the purpose of this chapter to assure prospective purchasers of life insurance that, when a presentation is made showing or comparing the cost...
California Insurance Code Section 10509.971
(a) If, in connection with the selling of life insurance to which this chapter applies, an agent or insurer makes a presentation showing or comparing...
California Insurance Code Section 10509.972
(a) The Life Insurance Surrender Cost Index for level premium plans of insurance shall be calculated by applying the steps in the following paragraphs: (1)...
California Insurance Code Section 10509.973
Any comparison must be used with caution and should not be emphasized to the point that actual premiums and policy benefits are overshadowed. Only similar...
California Insurance Code Section 10509.974
(a) Except as provided in subdivision (b), this chapter shall apply to any solicitation, negotiation, or procurement of life insurance occurring within this state. (b)...
California Insurance Code Section 10509.975
(a) A life insurer shall provide to all prospective insureds a buyer's guide prior to accepting the applicant's initial premium or premium deposit. However, if...
California Insurance Code Section 10510
An incorporated life insurer issuing policies on the reserve basis shall not transact life insurance in this state unless it has a paid-in capital of...
California Insurance Code Section 10511
If authorized by its charter, such an incorporated life insurer may, except as provided in Section 700.03, transact, in addition to life insurance, any of...
California Insurance Code Section 10512
An insurer holding a certificate of authority for life insurance and any other proper class on December 31, 1989, shall be governed by the provisions...
California Insurance Code Section 10530
(a) A domestic incorporated life insurer issuing policies on the reserve plan shall not make any dividends, except from earned surplus. (b) No dividends shall...
California Insurance Code Section 10540
An incorporated life insurer issuing life insurance policies on the reserve basis may collect premiums in advance. Such insurers may also accept moneys for the...
California Insurance Code Section 10541
(a) Insurers authorized to deliver or issue for delivery life insurance policies in this state may deliver or issue for delivery one or more funding...
California Insurance Code Section 10600
This part shall be known and may be referred to as the "Health Insurance Disclosure Act of 1974."
California Insurance Code Section 10601
As used in this chapter: (a) "Benefits and coverage" means the accident, sickness or disability indemnity available under a policy of disability insurance. (b) "Exception"...
California Insurance Code Section 10602
For the purposes of this chapter, where the definition of the term "hospital" in the policy omits care in any "health facility" defined pursuant to...
California Insurance Code Section 10602.1
Nothing in this chapter shall prevent an insurer which makes contracts with hospitals from distinguishing between contracting hospitals and noncontracting hospitals.
California Insurance Code Section 10603
(a) On or before April 1, 1975, the commissioner shall promulgate a standard supplemental disclosure form for all disability insurance policies. Upon the appropriate disclosure...
California Insurance Code Section 10604
The disclosure form shall include the following information, in concise and specific terms, relative to the disability insurance policy: (a) The applicable category or categories...
California Insurance Code Section 10604.1
(a) The Legislature finds and declares that the right of every patient to receive basic information necessary to give full and informed consent is a...
California Insurance Code Section 10604.5
An insurer shall annually disclose to the governing board of a public agency that is the policyholder of a group health insurance policy, the name...
California Insurance Code Section 10605
(a) Effective July 1, 1976, all insurers, and their employees and agents, shall, when presenting any disability insurance policy for examination or sale to an...
California Insurance Code Section 10606
Effective July 1, 1976, where the commissioner finds it necessary in the interest of full and fair disclosure, all advertising and other consumer information, including...
California Insurance Code Section 10607
In addition to the other disclosures required by this chapter, every insurer and their employees or agents shall, when presenting a plan for examination or...
California Insurance Code Section 10608
The commissioner shall, from time to time as conditions warrant, after notice and public hearing, promulgate such reasonable rules and regulations, and amendments and additions...
California Insurance Code Section 10609
Beginning on or before January 1, 1976, each insurer shall, to the extent required by the commissioner, file with the commissioner copies of all printed...
California Insurance Code Section 10700
As used in this chapter: (a) "Agent or broker" means a person or entity licensed under Chapter 5 (commencing with Section 1621) of Part 2...
California Insurance Code Section 10701
(a) For purposes of this chapter, "health benefit plan" does not include policies or certificates of specified disease or hospital confinement indemnity provided that the...
California Insurance Code Section 10702
All carriers writing, issuing, or administering health benefit plans that cover employees of small employers shall be subject to this chapter if any one of...
California Insurance Code Section 10702.1
Any person or entity subject to the requirements of this chapter shall comply with the standards set forth in Chapter 7 (commencing with Section 3750)...
California Insurance Code Section 10703
The commissioner shall have the authority to determine whether a health benefit plan is covered by this chapter, and to determine whether an employer is...
California Insurance Code Section 10704
The commissioner may issue regulations that are necessary to carry out the purposes of this chapter. Prior to the public comment period required on the...
California Insurance Code Section 10705
Upon the effective date of this act: (a) No group or individual policy or contract or certificate of group insurance or statement of group coverage...
California Insurance Code Section 10705.1
(a) Between July 26, 1993, and October 24, 1993, as well as 60 days prior to the expiration of an existing contract that expires prior...
California Insurance Code Section 10706
Every carrier shall file with the commissioner the reasonable participation requirements and employer contribution requirements that are to be included in its health benefit plans....
California Insurance Code Section 10706.5
(a) After a small employer submits a completed application, the carrier shall, within 30 days notify the employer of the employer's actual rates in accordance...
California Insurance Code Section 10707
Except in the case of a late enrollee, or for satisfaction of a preexisting condition clause in the case of initial coverage of an eligible...
California Insurance Code Section 10708
(a) (1) Preexisting condition provisions of health benefit plans shall not exclude coverage for a period beyond six months following the individual's effective date of...
California Insurance Code Section 10709
(a) No health benefit plan may exclude late enrollees from coverage for more than 12 months from the date of the late enrollee's application for...
California Insurance Code Section 10711
No carrier shall be required by the provisions of this chapter: (a) To offer coverage to, or accept applications from, a small employer as defined...
California Insurance Code Section 10712
(a) A carrier shall not be required to offer coverage or accept applications for benefit plan designs pursuant to this chapter where the commissioner determines...
California Insurance Code Section 10713
All health benefit plans written, issued, or administered by carriers on or after the effective date of this chapter, and all health benefit plans in...
California Insurance Code Section 10714
Premiums for benefit plan designs written, issued, or administered by carriers on or after the effective date of this act, shall be subject to the...
California Insurance Code Section 10715
Carriers shall apply standard employee risk rates consistently with respect to all small employers.
California Insurance Code Section 10716
In connection with the offering for sale of any benefit plan design to small employers: Each carrier shall make a reasonable disclosure, as part of...
California Insurance Code Section 10717
(a) No carrier shall provide or renew coverage subject to this chapter until it has done all of the following: (1) A statement has been...
California Insurance Code Section 10718
(a) In addition to any other remedy permitted by law, the commissioner shall have the administrative authority to assess penalties against carriers, insurance producers, and...
California Insurance Code Section 10718.5
(a) (1) In addition to any other remedy permitted by law, whenever the commissioner shall have reason to believe that any carrier, production agent, or...
California Insurance Code Section 10718.55
(a) Carriers may enter into contractual agreements with qualified associations, as defined in subdivision (b), under which these qualified associations may assume responsibility for performing...
California Insurance Code Section 10718.7
Notwithstanding any other provision of law, no provision of this chapter shall be construed to limit the applicability of any other provision of the Insurance...
California Insurance Code Section 10719
The California Small Group Reinsurance Fund is hereby authorized to be created solely to allow carriers to share in financing the cost of covering high...
California Insurance Code Section 10719.1
Any person or entity subject to the requirements of this chapter shall comply with the standards set forth in Chapter 7 (commencing with Section 3750)...
California Insurance Code Section 10720
(a) The fund shall be governed by a board of directors, which shall initially be elected by small employer carriers and small employer health care...
California Insurance Code Section 10720.1
The fund shall have the general powers and authority granted under the laws of California to insurance companies and health care service plans licensed to...
California Insurance Code Section 10721
The fund shall provide for the financing of its reinsurance and operating costs, including actuarially sound reserves for unpaid losses, by charging members a reinsurance...
California Insurance Code Section 10722
If assessments exceed actual losses and administrative expenses of the fund, the excess shall be held at interest and used by the fund to offset...
California Insurance Code Section 10723
Any unsatisfied net liability or outstanding assessment owed by an insolvent member participating in the fund shall be assumed by and apportioned among the remaining...
California Insurance Code Section 10724
Carriers choosing to participate shall comply with all requirements for participation established by the fund.
California Insurance Code Section 10725
The fund's board of directors shall establish the rules, conditions, and procedures pertaining to the reinsurance of members' risks by the fund.
California Insurance Code Section 10726
Nothing in this article relieves members of participating in the fund from complying with the underwriting and rating provisions included in Article 1 (commencing with...
California Insurance Code Section 10727
The fund shall be exempt from any and all taxes.
California Insurance Code Section 10728
For purposes of agreements entered into pursuant to this article, the fund, and its officers, directors, agents, and employees shall have no liability for any...
California Insurance Code Section 10729
The fund shall establish rules, conditions, and procedures relating to the indemnification of any person or member of the fund made a party to any...
California Insurance Code Section 10730
(a) The Voluntary Alliance Uniting Employers Purchasing Program is hereby created and shall be administered by the Major Risk Medical Insurance Board. (b) No member...
California Insurance Code Section 10731
The board may do any of the following: (a) Enter into contracts with carriers to provide health benefits coverage to eligible employees and their dependents....
California Insurance Code Section 10731.2
Any person or entity subject to the requirements of this chapter shall comply with the standards set forth in Chapter 7 (commencing with Section 3750)...
California Insurance Code Section 10732
The board shall establish geographic areas within which participating carriers may offer health coverage to eligible employees and dependents.
California Insurance Code Section 10733
On or after the effective date of this chapter, the board shall enter into contracts with carriers for the purpose of providing health benefits coverage...
California Insurance Code Section 10733.5
Notwithstanding any other provision of law, an employer purchasing coverage through the program shall not be determined to be no longer eligible to participate in...
California Insurance Code Section 10734
(a) Notwithstanding any other provision of law, the board shall not be subject to licensure or regulation by the Department of Insurance or the Department...
California Insurance Code Section 10735
The board shall contract with a broad range of carriers in an area, if available, to ensure that enrollees have a choice from among a...
California Insurance Code Section 10737
The board shall use appropriate and efficient means to notify small employers of the availability of sponsored health coverage from the program.
California Insurance Code Section 10738
The board shall make available to small employers marketing materials that accurately summarize the benefits plans and rates that are offered by the carrier through...
California Insurance Code Section 10739
Unless authorized by the board, no participating carrier shall, in an area served by the program, directly, or through an employee, agent, or contractor, provide...
California Insurance Code Section 10740
Participating carriers may contract with agents or brokers to provide marketing and servicing of health benefits coverage offered through the program. Any commissions set and...
California Insurance Code Section 10741
The board shall enforce conditions of participation in the program for small employers and enrollees which shall conform with the requirements of this chapter.
California Insurance Code Section 10742
The board shall establish a mechanism to collect premiums from small employers, including remittance of the share of the premium paid by the enrollee.
California Insurance Code Section 10743
The board may prohibit employers or employees who drop coverage after enrolling in the pool from reenrolling in the program for up to 12 months.
California Insurance Code Section 10744
The board shall arrange to pay contractors as specified in program contracts.
California Insurance Code Section 10745
The board shall pay participating carriers their contracted rates.
California Insurance Code Section 10746
Participating carriers shall offer rates to small employers or enrollees in the program that, at a minimum, are consistent with the program regulations and existing...
California Insurance Code Section 10747
The board may adjust payments made to a carrier if the board finds that the carrier has a significantly disproportionate share of high- or low-risk...
California Insurance Code Section 10748
If a small employer, employee, or dependent of a small employer is dissatisfied with any action or failure to act which has occurred in connection...
California Insurance Code Section 10748.5
No later than three years from the effective date of this article, the board shall issue a request for proposals that solicits nonprofit entities to...
California Insurance Code Section 10748.6
The board shall accept and review proposals submitted from nonprofit entities for assumption of administrative and financial responsibility of the program at any time prior...
California Insurance Code Section 10748.7
There is in the program a five-member small employer advisory panel to be appointed by the board to provide consultation to the board on program...
California Insurance Code Section 10749
There is created a Voluntary Alliance Uniting Employers Fund which shall consist of moneys collected pursuant to this article and any funds loaned by the...
California Insurance Code Section 10750
This chapter shall not apply to a health benefit plan that is subject to Chapter 8.01 (commencing with Section 10753) or Chapter 8.02 (commencing with...
California Insurance Code Section 10753
(a) "Agent or broker" means a person or entity licensed under Chapter 5 (commencing with Section 1621) of Part 2 of Division 1. (b) "Benefit...
California Insurance Code Section 10753.01
(a) For purposes of this chapter, "health benefit plan" does not include policies or certificates of specified disease or hospital confinement indemnity provided that the...
California Insurance Code Section 10753.02
(a) This chapter shall apply only to nongrandfathered health benefit plans and only with respect to plan years commencing on or after January 1, 2014....
California Insurance Code Section 10753.02.1
Any person or entity subject to the requirements of this chapter shall comply with the standards set forth in Chapter 7 (commencing with Section 3750)...
California Insurance Code Section 10753.03
The commissioner shall have the authority to determine whether a health benefit plan is covered by this chapter, and to determine whether an employer is...
California Insurance Code Section 10753.04
The commissioner may issue regulations that are necessary to carry out the purposes of this chapter.
California Insurance Code Section 10753.05
(a) No group or individual policy or contract or certificate of group insurance or statement of group coverage providing benefits to employees of small employers...
California Insurance Code Section 10753.05.2
(a) For contracts expiring after July 1, 1994, 60 days prior to July 1, 1994, an association that meets the definition of guaranteed association, as...
California Insurance Code Section 10753.06
Every carrier shall file with the commissioner the reasonable participation requirements and employer contribution requirements that are to be included in its health benefit plans....
California Insurance Code Section 10753.06.5
(a) With respect to health benefit plans offered outside the Exchange, after a small employer submits a completed application, the carrier shall, within 30 days,...
California Insurance Code Section 10753.08
(a) A health benefit plan shall not impose a preexisting condition provision upon any individual. (b) A health benefit plan may apply a waiting period...
California Insurance Code Section 10753.09
Nothing in this chapter shall be construed as prohibiting a carrier from restricting enrollment of late enrollees to open enrollment periods provided under Section 10753.05...
California Insurance Code Section 10753.11
To the extent permitted by PPACA, no carrier shall be required by the provisions of this chapter: (a) To offer coverage to, or accept applications...
California Insurance Code Section 10753.12
(a) A carrier shall not be required to offer coverage or accept applications for benefit plan designs pursuant to this chapter where the commissioner determines...
California Insurance Code Section 10753.13
All health benefit plans subject to this chapter shall be renewable with respect to all eligible employees or dependents at the option of the policyholder,...
California Insurance Code Section 10753.14
(a) The premium rate for a health benefit plan issued, amended, or renewed on or after January 1, 2014, shall vary with respect to the...
California Insurance Code Section 10753.16
In connection with the offering for sale of a health benefit plan subject to this chapter to small employers: Each carrier shall make a reasonable...
California Insurance Code Section 10753.17
(a) No carrier shall provide or renew coverage subject to this chapter until a statement has been filed with the commissioner listing all of the...
California Insurance Code Section 10753.18
(a) In addition to any other remedy permitted by law, the commissioner shall have the administrative authority to assess penalties against carriers, insurance producers, and...
California Insurance Code Section 10753.18.5
(a) (1) In addition to any other remedy permitted by law, whenever the commissioner shall have reason to believe that any carrier, production agent, or...
California Insurance Code Section 10753.18.55
(a) Carriers may enter into contractual agreements with qualified associations, as defined in subdivision (b), under which these qualified associations may assume responsibility for performing...
California Insurance Code Section 10753.18.7
Notwithstanding any other provision of law, no provision of this chapter shall be construed to limit the applicability of any other provision of the Insurance...
California Insurance Code Section 10755
As used in this chapter, the following definitions shall apply: (a) "Agent or broker" means a person or entity licensed under Chapter 5 (commencing with...
California Insurance Code Section 10755.01
(a) For purposes of this chapter, "health benefit plan" does not include policies or certificates of specified disease or hospital confinement indemnity provided that the...
California Insurance Code Section 10755.02
(a) This chapter shall apply only to grandfathered health benefit plans and only with respect to plan years commencing on or after January 1, 2014....
California Insurance Code Section 10755.02.1
Any person or entity subject to the requirements of this chapter shall comply with the standards set forth in Chapter 7 (commencing with Section 3750)...
California Insurance Code Section 10755.03
The commissioner shall have the authority to determine whether a health benefit plan is covered by this chapter, and to determine whether an employer is...
California Insurance Code Section 10755.04
(a) The department may adopt emergency regulations implementing this chapter no later than August 31, 2013. The department may readopt any emergency regulation authorized by...
California Insurance Code Section 10755.05
(a) (1) Each carrier, except a self-funded employer, shall fairly and affirmatively renew all of the carrier's health benefit plans that are sold to small...
California Insurance Code Section 10755.05.1
(a) For contracts expiring after July 1, 1994, 60 days prior to July 1, 1994, an association that meets the definition of guaranteed association, as...
California Insurance Code Section 10755.06
Every carrier shall file with the commissioner the reasonable participation requirements that will be required in renewing its health benefit plans. Participation requirements of a...
California Insurance Code Section 10755.08
(a) A health benefit plan shall not impose a preexisting condition provision upon any individual. (b) A health benefit plan may apply a waiting period...
California Insurance Code Section 10755.09
Nothing in this chapter shall be construed as prohibiting a carrier from restricting enrollment of late enrollees to open enrollment periods consistent with federal law.
California Insurance Code Section 10755.11
No carrier shall be required by the provisions of this chapter: (a) To include in a health benefit plan an otherwise eligible employee or dependent,...
California Insurance Code Section 10755.13
All grandfathered health benefit plans shall be renewable with respect to all eligible employees or dependents at the option of the policyholder, contractholder, or small...
California Insurance Code Section 10755.14
Premiums for grandfathered health benefit plans written or administered by carriers on or after the January 1, 2014, shall be subject to the following requirements:...
California Insurance Code Section 10755.15
Carriers shall apply standard employee risk rates consistently with respect to all small employers.
California Insurance Code Section 10755.16
In connection with the renewal of any grandfathered health benefit plan to small employers: Each carrier shall make a reasonable disclosure, as part of its...
California Insurance Code Section 10755.17
(a) No carrier shall renew coverage subject to this chapter until it has done all of the following: (1) A statement has been filed with...
California Insurance Code Section 10755.18
(a) In addition to any other remedy permitted by law, the commissioner shall have the administrative authority to assess penalties against carriers, insurance producers, and...
California Insurance Code Section 10755.18.5
(a) (1) In addition to any other remedy permitted by law, whenever the commissioner shall have reason to believe that any carrier, production agent, or...
California Insurance Code Section 10755.18.6
(a) Carriers may enter into contractual agreements with qualified associations, as defined in subdivision (b), under which these qualified associations may assume responsibility for performing...
California Insurance Code Section 10755.18.7
Notwithstanding any other provision of law, no provision of this chapter shall be construed to limit the applicability of any other provision of the Insurance...
California Insurance Code Section 10785
(a) A disability insurer that covers hospital, medical, or surgical expenses under an individual health benefit plan as defined in subdivision (a) of Section 10198.6...
California Insurance Code Section 10786
(a) On and after January 1, 2014, a health insurer providing health insurance coverage shall provide to policyholders in individual policies or certificate holders in...
California Insurance Code Section 10800
This chapter shall be known as the Private Health Care Voluntary Purchasing Alliance Act.
California Insurance Code Section 10801
The purpose of this chapter is to improve the competition in the pricing and delivering of health care coverage for employers and small employers. It...
California Insurance Code Section 10802
This chapter is also intended to provide a meaningful choice of high quality, fairly priced health care providers, and health care coverage for participating employers...
California Insurance Code Section 10803
It is envisioned that a purchasing alliance will contract with qualified group carriers to provide a meaningful choice of carriers providing health benefit plans or...
California Insurance Code Section 10810
As used in this chapter: (a) "Ancillary benefit plan" means a policy or contract written or administered by a participating carrier that covers dental or...
California Insurance Code Section 10820
(a) The commissioner shall regulate the establishment and conduct of purchasing alliances as set forth in this chapter. (b) No person or entity may market,...
California Insurance Code Section 10821
(a) An entity seeking to obtain a certificate of registration to act as a purchasing alliance shall complete and file with the commissioner an application...
California Insurance Code Section 10821.5
(a) The purchasing alliance shall furnish an annual financial audit to the commissioner on the forms provided by the commissioner. The annual financial audit may...
California Insurance Code Section 10822
After the issuance or reissuance of a certificate of registration to act as a purchasing alliance, the holder shall continue to comply with the requirements...
California Insurance Code Section 10823
In addition to any other grounds specified in this chapter, the following constitute grounds for denial, nonrenewal, suspension, or revocation of an application or existing...
California Insurance Code Section 10824
(a) The commissioner may take disciplinary action against a purchasing alliance if the commissioner determines that the purchasing alliance has committed any of the acts...
California Insurance Code Section 10825
(a) A purchasing alliance whose certificate has been revoked or suspended for more than one year may petition the commissioner to reinstate the certificate as...
California Insurance Code Section 10826
(a) Any person who violates any provision of this chapter, or who violates any rule or order adopted or issued pursuant to this chapter, shall...
California Insurance Code Section 10830
No owner, officer, partner, or board members or members of their household nor any management personnel of the alliance may be employed by, be a...
California Insurance Code Section 10840
A purchasing alliance shall do all of the following: (a) Set reasonable fees, which may vary by employer or small employer size, in the purchasing...
California Insurance Code Section 10841
(a) A purchasing alliance shall comply with all requirements pertaining to the underwriting, rating and renewal practices for small employers, pursuant to subdivisions (a) and...
California Insurance Code Section 10842
A purchasing alliance may do any of the following: (a) Contract with qualified independent third parties for any services necessary to carry out the powers...
California Insurance Code Section 10843
A purchasing alliance shall not do any of the following: (a) Purchase health care services, assume risk for the cost or provision of health services,...
California Insurance Code Section 10844
A purchasing alliance may offer coverage pursuant to Chapter 9.5 (commencing with Section 10900).
California Insurance Code Section 10845
(a) The commissioner shall require every purchasing alliance, as a condition precedent to receiving and holding a certificate of registration, to file and maintain in...
California Insurance Code Section 10850
(a) In order to be eligible to be a participating carrier, a carrier shall demonstrate the following operating characteristics satisfactory to the board: (1) Be...
California Insurance Code Section 10851
Every participating carrier shall: (a) Meet the standards established by the board pursuant to this chapter. (b) Provide any data required by the board. (c)...
California Insurance Code Section 10853
In contracts with participating carriers, the purchasing alliance may establish performance standards for specific contractual elements and penalties for failure to fulfill specific contractual obligations.
California Insurance Code Section 10854
Nothing in this chapter shall prohibit a participating carrier from contracting with particular health care providers or types, classes, or categories of health care providers...
California Insurance Code Section 10855
In the event the participating carrier elects to terminate its participating agreement with a purchasing alliance, the participating carrier shall do both of the following:...
California Insurance Code Section 10856
Nothing in this article shall be construed to limit the existing regulatory authority of the Department of Managed Health Care to regulate health care service...
California Insurance Code Section 10860
Contracts between the purchasing alliance and participating carriers shall specify how all premiums will be transmitted, and penalties and grace periods for payments.
California Insurance Code Section 10861
Contracts between purchasing alliances and participating employers shall provide all of the following: (a) For administrative purposes, the purchasing alliance shall be the policyholder or...
California Insurance Code Section 10870
The board shall establish marketing standards to be used by participating carriers.
California Insurance Code Section 10871
Any marketing, advertisement, or educational material for health benefit plans or ancillary benefit plans sold through the purchasing alliance shall be approved by the board...
California Insurance Code Section 10872
This article shall not be construed to prohibit or to compel the purchasing alliance or a participating carrier from using the services of an agent...
California Insurance Code Section 10873
(a) A participating carrier, agent, broker, contractor, or producer of a participating carrier, or independent insurance agent, broker, contractor, or producer may not engage, directly...
California Insurance Code Section 10880
In the event a purchasing alliance becomes insolvent, the commissioner shall maintain jurisdiction of the alliance for purposes of protection of the interests of the...
California Insurance Code Section 10885
Purchasing alliances shall be exempt from requirements of licensure as a health care service plan or solicitor under Chapter 2.2 (commencing with Section 1340) of...
California Insurance Code Section 10886
For purposes of carrier product disclosure, a purchasing alliance shall be considered an entity that provides administrative services, as is described in paragraph (1) of...
California Insurance Code Section 10887
Except as provided in subdivision (c) of Section 10820, nothing in this chapter shall apply to a health care service plan licensed under the Knox-Keene...
California Insurance Code Section 10900
As used in this chapter: (a) "Benefit plan design" means a specific health coverage policy issued by a carrier to individuals, to trustees of associations...
California Insurance Code Section 10901
Every carrier offering health benefit plans to individuals shall comply with the provisions of this chapter and the rules adopted thereunder.
California Insurance Code Section 10901.1
Nothing in this chapter shall be construed to preclude the application of this chapter to either of the following: (a) an association, trust, or other...
California Insurance Code Section 10901.2
(a) Commencing January 1, 2001, a carrier shall fairly and affirmatively offer, market, and sell the health benefit plan designs described in subdivision (d) of...
California Insurance Code Section 10901.3
(a) (1) After the federally eligible defined individual submits a completed application form for a health benefit plan, the carrier shall, within 30 days, notify...
California Insurance Code Section 10901.4
A carrier may not exclude any federally eligible defined individual, or his or her dependents, who would otherwise be entitled to health care services, on...
California Insurance Code Section 10901.7
(a) The commissioner may require a carrier to discontinue the offering of health benefit plans or the acceptance of applications from any individual upon a...
California Insurance Code Section 10901.8
All health benefit plans offered to a federally eligible defined individual shall be renewable with respect to the individual and dependents at the option of...
California Insurance Code Section 10901.9
Commencing January 1, 2001, premiums for health benefit plans offered, delivered, amended, or renewed by carriers shall be subject to the following requirements: (a) The...
California Insurance Code Section 10902
Carriers shall apply premiums consistently with respect to all federally eligible defined individuals who apply for coverage.
California Insurance Code Section 10902.1
In connection with the offering for sale of any health benefit plan designed to an individual, each carrier shall make a reasonable disclosure, as part...
California Insurance Code Section 10902.2
Nothing in this chapter shall be construed to require a health benefit plan to offer a contract to an individual if the carrier does not...
California Insurance Code Section 10902.3
(a) At least 20 business days prior to renewing or amending a health benefit plan contract subject to this chapter, or at least 20 business...
California Insurance Code Section 10902.4
Carriers and health care service plans that offer contracts to individuals may elect to establish a mechanism or method to share in the financing of...
California Insurance Code Section 10902.5
The commissioner may issue regulations that are necessary to carry out the purposes of this chapter. Any rules and regulations adopted pursuant to this chapter...
California Insurance Code Section 10902.6
This chapter shall apply to policies or contracts offered, delivered, amended, or renewed on or after January 1, 2001.
California Insurance Code Section 10930
For purposes of this chapter, the following definitions shall apply: (a) "Consumer operated and oriented plan" means a nonprofit member organization or nonprofit member corporation...
California Insurance Code Section 10930.1
(a) The commissioner shall have the authority to issue a certificate of authority as a disability insurer to a CO-OP that has been organized as...
California Insurance Code Section 10930.2
A domestic or foreign insurer admitted as a CO-OP insurer shall be subject to the same "paid-in capital" or "capital paid-in" requirements as are imposed...
California Insurance Code Section 10930.3
(a) A domestic or foreign CO-OP admitted as a CO-OP insurer shall be subject to all of the provisions of this code that are applicable...
California Insurance Code Section 10930.4
(a) A solvency loan obtained by a CO-OP shall be treated as a surplus note and shall be subject to the same requirements as are...
California Insurance Code Section 10930.5
The provisions of Section 699.5 shall apply to any insurer admitted as a CO-OP insurer; however, any loans received by the CO-OP in the form...
California Insurance Code Section 10930.6
(a) A CO-OP shall be subject at all times to the prohibitions in PPACA against converting or selling to a for-profit or nonconsumer-operated entity at...
California Insurance Code Section 10930.7
A CO-OP 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 10930.8
In addition to any applicable requirements in this code for maintaining a certificate of authority, a CO-OP is required at all times to be in...
California Insurance Code Section 10930.9
The department may adopt regulations implementing this chapter pursuant to the Administrative Procedure Act (Chapter 3.5 (commencing with Section 11340) of Part 1 of Division...
California Insurance Code Section 10950
As used in this chapter: (a) "Child" means any individual under 19 years of age. (b) "Individual grandfathered plan coverage" means health care coverage in...
California Insurance Code Section 10951
(a) (1) During each open enrollment period, every carrier offering health benefit plans in the individual market, other than individual grandfathered plan coverage, shall offer...
California Insurance Code Section 10952
This chapter shall not apply to health benefit plans for coverage of Medicare services pursuant to contracts with the United States government, Medicare supplement policies,...
California Insurance Code Section 10953
(a) Upon the effective date of this chapter, a carrier shall fairly and affirmatively offer, market, and sell all of the carrier' s health benefit...
California Insurance Code Section 10954
(a) A carrier may use the following characteristics of an eligible child for purposes of establishing the rate of the health benefit plan for that...
California Insurance Code Section 10957
No carrier shall be required to offer a health benefit plan or accept applications for the contract pursuant to this chapter in the case of...
California Insurance Code Section 10958
The commissioner may require a carrier to discontinue the offering of contracts or acceptance of applications from any individual or child or responsible party for...
California Insurance Code Section 10959
(a) All health benefit plans offered to a child or on behalf of a child to a responsible party for a child shall conform to...
California Insurance Code Section 10960
On or before July 1, 2011, the commissioner may issue guidance to health plans regarding compliance with this chapter and such guidance shall not be...
California Insurance Code Section 10970
Fraternal benefit societies shall be governed by this chapter and shall be exempt from all other provisions of this code, except: (a) Those provisions prior...
California Insurance Code Section 10971
This chapter shall not, except as provided by Sections 10972 and 10974, affect: (a) A lodge operating under the lodge system, which provides in its...
California Insurance Code Section 10972
(1) A lodge operating under the lodge system, as this term is used in Section 10971, shall have all of the following characteristics: (a) It...
California Insurance Code Section 10973
The commissioner may require from any society such information as will enable him to determine whether or not such society is exempt from the provisions...
California Insurance Code Section 10974
A lodge, subordinate branch thereof or association formed by the members thereof which is exempted from the requirements of this chapter by Section 10971 shall...
California Insurance Code Section 10975
Any fraternal benefit society organized and operating within the definition set forth in Sections 10990 to 10992 on July 29, 1911, providing benefits in case...
California Insurance Code Section 10976
Any incorporated fraternal benefit society engaged on July 29, 1911, in transacting business in this State may exercise all of the rights conferred by this...
California Insurance Code Section 10990
Any incorporated society, order or supreme lodge, without capital stock, conducted solely for the benefit of its members and their beneficiaries and not for profit,...
California Insurance Code Section 10991
A society having a supreme legislative or governing body and subordinate lodges or branches by whatever name known, into which members are elected, initiated, or...
California Insurance Code Section 10992
A society shall be deemed to have a representative form of government when: (a) It provides in its constitution or laws for a supreme legislative...
California Insurance Code Section 10993
Every fraternal benefit society organized or admitted under this chapter is hereby declared to be a charitable and benevolent institution, and all of its funds...
California Insurance Code Section 11010
Seven or more United States citizens, a majority of whom are citizens of this state, who desire to form a fraternal benefit society, may make,...
California Insurance Code Section 11011
The articles of incorporation, duly certified copies of the constitution, laws and rules, copies of all proposed forms of certificates, applications therefor, and circulars to...
California Insurance Code Section 11012
No such preliminary certificate shall be valid after one year from its date, or after such further period, not exceeding one year, as may be...
California Insurance Code Section 11013
Upon receipt of a preliminary certificate from the commissioner, the society may solicit members for the purpose of completing its organization, shall collect from each...
California Insurance Code Section 11014
The commissioner may make such examination and require such further information as he deems advisable. Upon presentation of satisfactory evidence that the society has complied...
California Insurance Code Section 11015
Every such society shall have the power to make a constitution and by-laws for the government of the society, the admission of its members, the...
California Insurance Code Section 11016
A society shall operate for the benefit of its members and their beneficiaries by: (a) Providing benefits under Section 11041, and (b) Operating for one...
California Insurance Code Section 11017
After September 21, 1952, no unincorporated or voluntary association shall be permitted to transact business in this State as a fraternal benefit society under this...
California Insurance Code Section 11018
Any domestic society may provide that the meetings of its legislative or governing body may be held in any state, district, province or territory wherein...
California Insurance Code Section 11019
No domestic society shall consolidate or merge with any other society unless it files with the commissioner the papers and evidence specified in this section...
California Insurance Code Section 11020
If the commissioner finds that such contract is in conformity with the provisions of this chapter, that the financial statements are correct, that under it...
California Insurance Code Section 11021
Upon the consolidation or merger becoming effective, all the rights, franchises and interests of the consolidated or merged societies in and to every species of...
California Insurance Code Section 11022
The affidavit of any officer of the society or of any one authorized by it to mail any notice or document, stating facts which show...
California Insurance Code Section 11023
A society may admit to benefit membership any person not less than 15 years of age at nearest birthday who has been examined by a...
California Insurance Code Section 11024
Any person admitted to benefit membership in such society prior to attaining the full age of 21 years shall be bound by the terms of...
California Insurance Code Section 11025
A society may accept general or social members who shall have no voice or vote in the management of its insurance affairs.
California Insurance Code Section 11026
A domestic society may amend its articles of incorporation, constitution, or laws, in accordance with the provisions thereof, by action of its supreme legislative or...
California Insurance Code Section 11027
No amendment to the articles of incorporation, constitution or laws of any domestic society shall take effect unless approved by the commissioner who shall approve...
California Insurance Code Section 11028
Within 90 days from the approval thereof by the commissioner, all such amendments, or a synopsis thereof, shall be furnished to all members of the...
California Insurance Code Section 11029
Every foreign society transacting business under this chapter shall file with the commissioner a duly certified copy of all amendments of, or additions to, its...
California Insurance Code Section 11030
Printed copies of the constitution or laws of any domestic or foreign society as amended, certified by the secretary or corresponding officer of the society...
California Insurance Code Section 11031
A society may create, maintain and operate hospitals, asylums, homes, sanitariums or other charitable or benevolent institutions for the benefit of its sick, disabled, aged...
California Insurance Code Section 11032
Maintenance, treatment and proper attendance in any such institution may be furnished free or a reasonable charge may be made therefor, but no such institution...
California Insurance Code Section 11033
A society maintaining special funds of the nature set forth in Section 11122 may make payments from such funds to its members compatible with the...
California Insurance Code Section 11040
All benefits provided for in the laws and agreements of a society shall be payable only out of its funds in accordance with its laws....
California Insurance Code Section 11041
An admitted society may, by the issuance of certificates, provide for payment to its members of insurance benefits contained within the following classes: (a) All...
California Insurance Code Section 11042
A society may provide for benefits on the lives of children under 21 years of age and under the minimum age for adult membership under...
California Insurance Code Section 11043
A society may grant nonforfeiture benefits, cash surrender values, certificate loans, and other options as its laws may permit. In the case of certificates issued...
California Insurance Code Section 11044
No beneficiary shall have or obtain any vested interest in the proceeds of any certificate until the certificate has become due and payable in conformity...
California Insurance Code Section 11060
Every society authorized to do business in this State shall issue to each benefit member a certificate specifying the amount of benefits provided thereby. The...
California Insurance Code Section 11061
All statements purporting to be made by the member shall, in the absence of fraud, be representations and not warranties. Any waiver of this provision...
California Insurance Code Section 11062
Any changes, additions or amendments to the charter or articles of incorporation, constitution or laws duly made or enacted subsequent to the issuance of the...
California Insurance Code Section 11063
Copies of any of the documents mentioned in Sections 11060 and 11062, certified by the secretary or corresponding officer of the society, shall be received...
California Insurance Code Section 11064
A society shall provide specifically in its certificates that if its reserves become impaired, its board of directors or corresponding body may require that the...
California Insurance Code Section 11065
Every society authorized to do business in this State shall provide in its constitution or laws that additional payments or contributions shall be required of...
California Insurance Code Section 11066
After the effective date of the amendments to this section made during the 1995-96 Regular Session of the Legislature, no life insurance benefit certificate may...
California Insurance Code Section 11067
After September 21, 1952, no life insurance benefit certificate shall be delivered or issued for delivery in this State containing in substance any of the...
California Insurance Code Section 11068
After September 21, 1954, no life insurance benefit certificate shall be delivered or issued for delivery in this State containing in substance any provision limiting...
California Insurance Code Section 11069
No domestic, foreign or alien society authorized to do business in this State shall issue or deliver in this State any certificate or other evidence...
California Insurance Code Section 11070
After September 21, 1954, no action at law or in equity shall be had or maintained on any certificate or contract issued by a society...
California Insurance Code Section 11071
The constitution and laws of the society may provide that no subordinate body, nor any of its subordinate officers or members shall have the power...
California Insurance Code Section 11072
A domestic society may, by a reinsurance agreement, cede any individual risk or risks in whole or in part to an insurer having the power...
California Insurance Code Section 11073
If the contract of a society entered into, amended, or renewed in this state on or after the effective date of this section provides in...
California Insurance Code Section 11090
Subject to the annual fee provisions as provided herein, every certificate of authority issued to a fraternal benefit society shall be for an indefinite term...
California Insurance Code Section 11091
No foreign or alien society shall transact business in this State without a certificate of authority issued by the commissioner. Any such society may receive...
California Insurance Code Section 11092
The commissioner shall act as prescribed in Section 11093 when upon investigation he finds that a domestic society: (a) Has exceeded its power; (b) Has...
California Insurance Code Section 11093
(a) If the commissioner finds that any of the conditions set forth in Section 11092 exist in respect to a domestic society, he or she...
California Insurance Code Section 11094
If the court orders the society enjoined, the commissioner shall suspend its certificate of authority. Thereafter such society shall have no authority to do business...
California Insurance Code Section 11095
If the court orders the society liquidated, it shall be enjoined from carrying on any further business, whereupon the receiver of the society shall proceed...
California Insurance Code Section 11096
The provisions of Sections 11093 to 11095 relating to hearing by the commissioner, action by the Attorney General at the request of the commissioner, hearing...
California Insurance Code Section 11097
The commissioner shall act as prescribed in Section 11098 when upon investigation he finds that a foreign or alien society transacting or applying to transact...
California Insurance Code Section 11098
If the commissioner finds that any of the conditions set forth in Section 11097 exist in respect to a foreign or alien society, he shall,...
California Insurance Code Section 11099
Article 14 (commencing with Section 1010) of Chapter 1 of Part 2 of Division 1 applies to any society, except as otherwise provided in this
California Insurance Code Section 11100
Every society operating under the provisions of this chapter and issuing a policy or certificate of insurance may appoint agents to represent it.
California Insurance Code Section 11101
Except as otherwise provided in Sections 11102 and 11103, such agents and such societies are subject to Chapter 5 (commencing with Section 1621) of Part...
California Insurance Code Section 11102
Chapter 5 (commencing with Section 1621) of Part 2 of Division 1 does not apply to any of the following, nor shall any of the...
California Insurance Code Section 11103
Insofar as his or her license to represent a fraternal benefit society is concerned, the examination requirements of Article 7 (commencing with Section 1675) of...
California Insurance Code Section 11104
Every society authorized to do business in this State shall appoint in writing the commissioner and each successor in office to be its true and...
California Insurance Code Section 11105
Service may be made as provided in Article 1 (commencing with Section 12919) of Chapter 2 of Division 3.
California Insurance Code Section 11106
An application for injunction against, proceedings for the dissolution of, or the appointment of a receiver for, any domestic society or branch thereof shall not...
California Insurance Code Section 11107
A fraternal benefit society, its members, employees, agents, delegates, directors, and officers by whatever name known are subject to Section 12924.
California Insurance Code Section 11108
Any domestic society may be converted into and receive a certificate of authority as a mutual life insurance company by compliance with all of the...
California Insurance Code Section 11109
On such conversion: (a) Except as provided in (b) hereof all funds, assets and liabilities of any nature which theretofore were the funds, assets or...
California Insurance Code Section 11110
In addition to any other ground for disapproving such conversion, the commissioner may refuse to give such approval unless evidence satisfactory to him is submitted...
California Insurance Code Section 11111
Any society may comply with subsection (a) of Section 11110 by deducting from its surplus an amount which, when added to the reserves on certificates...
California Insurance Code Section 11112
All decisions and findings of the commissioner made under the provisions of this chapter shall be subject to review by proper proceedings in any court...
California Insurance Code Section 11120
When a society, or a class or section thereof, has assets equal to the reserves and credits on its policies, it may collect periodical or...
California Insurance Code Section 11121
Unless it operates under Section 11120, a society, or class or section thereof, shall collect from its members both stated contributions expressly segregated for the...
California Insurance Code Section 11122
Any society may create, maintain, invest, disburse and apply any special fund or funds necessary to carry out any purpose permitted by the laws of...
California Insurance Code Section 11122.1
A society may, if authorized by a resolution of its supreme legislative or governing body, establish and operate one or more separate accounts and issue...
California Insurance Code Section 11123
Any such society may own real estate and buildings within or without the state of its incorporation, for any purposes for which it may use...
California Insurance Code Section 11124
Unless otherwise provided in the contracts of the members, such funds shall be held, invested, and disbursed for the use and benefit of the society,...
California Insurance Code Section 11125
Every domestic society shall invest its funds only in securities permitted by the laws of this State for the investment of the assets of life...
California Insurance Code Section 11126
An admitted foreign society shall invest its funds either under the same restrictions as domestic societies or in accordance with the laws of the state...
California Insurance Code Section 11127
An admitted foreign society organized under the laws of any jurisdiction other than a state of the United States shall at all times maintain with...
California Insurance Code Section 11128
The value of the trusteed assets referred to in Section 11127 shall be equal to the sum of all of the following: (a) All of...
California Insurance Code Section 11129
The provisions of Sections 1596 to 1598, inclusive, shall apply to such society specified in Section 11127 and to the matters set forth in Sections...
California Insurance Code Section 11130
The commissioner may require any society specified in Section 11127 to file with him annually and at such other times as he may determine, and...
California Insurance Code Section 11131
Every society transacting business in this state shall annually, on or before the first day of March, unless for cause shown such time has been...
California Insurance Code Section 11132
A synopsis of its annual statement and valuation report providing an explanation of the facts concerning the condition of the society thereby disclosed shall be...
California Insurance Code Section 11133
In addition to the annual report required by Section 11131, each society shall annually, on or before the first day of March, file with the...
California Insurance Code Section 11134
Except as otherwise provided in Section 10489.6, reserves according to the commissioners' reserve valuation method, for the life insurance and endowment benefits of certificates providing...
California Insurance Code Section 11135
The present value of deferred payments due under incurred claims or matured certificates shall be deemed a liability of the society and shall be computed...
California Insurance Code Section 11136
Except as otherwise provided in Section 10489.4, such valuation shall be certified by a competent actuary or, at the expense of the society, verified by...
California Insurance Code Section 11137
Whenever the commissioner finds from any financial statement or valuation report made to him or her by any society authorized to do business in this...
California Insurance Code Section 11138
The commissioner, or any person he may appoint, shall have the power of visitation and examination into the affairs of any domestic society. He may...
California Insurance Code Section 11139
No report of examination shall be adopted by the commissioner or filed by him as an official document except after a notice is given and...
California Insurance Code Section 11140
The commissioner, or any person whom he may appoint, may examine any foreign society, transacting or applying for admission to transact business in this State....
California Insurance Code Section 11141
Pending, during or after an examination or investigation of a society, either domestic or foreign, the commissioner shall make public no financial statement, report or...
California Insurance Code Section 11142
No person shall cause or permit to be made, issued or circulated in any form: (a) Any misrepresentation or false or misleading statement concerning the...
California Insurance Code Section 11143
A comparison of insurance contracts is incomplete if it does not compare in detail: (a) The gross rates, and the gross rates less any dividend...
California Insurance Code Section 11144
A comparison of insurance contracts is incomplete if it omits from consideration: (a) Any benefit or value provided in the contract, (b) Any differences as...
California Insurance Code Section 11145
In any determination of the incompleteness or misleading character of any comparison or statement, it shall be presumed that the insured had no knowledge of...
California Insurance Code Section 11146
Any person who violates any provision of Sections 11142 to 11145 or knowingly receives any compensation or commission by or in consequence of such violation,...
California Insurance Code Section 11160
Compensation shall not be paid to any employee or officer by whatever name known of either of the parties to any contract of merger, consolidation...
California Insurance Code Section 11161
Any person violating Section 11160 is guilty of a felony and punishable by a fine not exceeding ten thousand dollars ($10,000) or imprisonment pursuant to...
California Insurance Code Section 11162
It is a felony, punishable by imprisonment pursuant to subdivision (h) of Section 1170 of the Penal Code, for any officer, director, agent or employee...
California Insurance Code Section 11163
It is a felony, punishable by imprisonment pursuant to subdivision (h) of Section 1170 of the Penal Code, for any officer, trustee, agent or employee...
California Insurance Code Section 11164
Any person not authorized pursuant to Section 11013 who solicits membership for, or in any manner assists in procuring membership in, any nonadmitted fraternal benefit...
California Insurance Code Section 11165
Any person who knowingly or willfully makes any false or fraudulent statement or representation in or with reference to any application for membership, or for...
California Insurance Code Section 11400
Firemen's, policemen's or peace officers' benefit and relief associations now existing, or which may be formed hereafter for the purpose of aiding their members or...
California Insurance Code Section 11401
Such an association shall not operate or do business in this state without a certificate of authority. The commissioner shall issue a certificate of authority...
California Insurance Code Section 11402
Such association may be incorporated or unincorporated, but if incorporated it shall neither issue nor be authorized to issue shares of stock.
California Insurance Code Section 11403
The membership of such association shall consist solely of the following or any combination thereof: (a) Members of police departments of municipal or public corporations...
California Insurance Code Section 11404
Such association shall not pay, promise or agree to pay, either directly or indirectly, any consideration of any nature for the solicitation or procuring of...
California Insurance Code Section 11405
The trustees, directors or governing body of such association, by whatever name their office is known or designated, shall be elected by the membership of...
California Insurance Code Section 11406
Moneys or property directly or indirectly contributed to such association by its members shall not be paid out as benefits to any persons other than...
California Insurance Code Section 11407
Such association shall be supported mainly by contributions from its members, whether in the form of fees, dues, assessments, or otherwise, and by donations made...
California Insurance Code Section 11420
Any domestic insurer providing life insurance upon the assessment plan may transform itself into an incorporated life insurer issuing policies on a reserve basis with...
California Insurance Code Section 11421
After completing such transformation and procuring from the commissioner a certificate of authority to transact business in this State as an incorporated insurer issuing policies...
California Insurance Code Section 11422
The transformed insurer is a continuation of the original insurer. Its officers elected before or during the transformation serve through their respective terms as provided...
California Insurance Code Section 11440
Any insurer so reorganized shall have assets representing a paid-in capital represented by shares of stock apart from any assets described in Section 11441. At...
California Insurance Code Section 11441
All assets belonging before transformation to any such insurer or arising or accruing from policies issued upon the assessment plan, shall be used only for...
California Insurance Code Section 11442
If, at or after the time of the transformation, it appears, either from the last preceding annual report by such insurer to the commissioner, or...
California Insurance Code Section 11443
The fund required by Section 11442 shall be used for the payment of matured liabilities arising under the assessment plan when other assets applicable thereto...
California Insurance Code Section 11460
Members of the insurer who are in good standing prior to the transformation may thereafter transfer their insurance, without change of amount and without medical...
California Insurance Code Section 11470
The insurer, after such transformation, shall exercise all the rights and powers and perform all the duties conferred or imposed by law upon insurers writing...
California Insurance Code Section 11471
Such insurer shall exercise all the rights and powers and perform all the duties necessary to protect rights and contracts existing prior to reorganization.
California Insurance Code Section 11472
The commissioner shall exercise the powers and discharge the duties, concerning any such insurer, that are applicable to domestic insurers issuing policies of the same...
California Insurance Code Section 11490
Any life insurer which has transformed its business pursuant to this chapter shall value its assessment policies according to the standard of valuation which would...
California Insurance Code Section 11520
The following organizations and persons may receive transfers of property, conditioned upon their agreement to pay an annuity to the transferor or the transferor's nominee,...
California Insurance Code Section 11520.5
No person shall transact in this state the business described in this chapter without first procuring a certificate of authority from the commissioner for such...
California Insurance Code Section 11520.6
(a) Before granting a certificate of authority or amended certificate of authority as a grants and annuities society to any applicant, the commissioner shall consider...
California Insurance Code Section 11521
Upon granting to such organization or person a certificate of authority to receive such transfers, the commissioner shall require it to establish and maintain a...
California Insurance Code Section 11521.1
(a) The funds and other property, together with interest and dividends thereon and proceeds therefrom, conditioned upon issuance of the certificate holder's contracts to pay...
California Insurance Code Section 11521.2
(a) The reserve required by the table of commensurate values for each annuity contract issued must be invested in investments specified in Sections 1170 through...
California Insurance Code Section 11521.3
(a) Prior to admission each applicant shall file with the commissioner an accurate and complete financial statement consisting of a balance sheet and income and...
California Insurance Code Section 11521.4
The commissioner may, in his discretion and after hearing, require the disposal of any investment made in violation of the provisions of this chapter; pending...
California Insurance Code Section 11521.5
The commissioner may adopt reasonable rules and regulations as may be necessary to carry out the provisions of this chapter pursuant to the provisions of...
California Insurance Code Section 11521.6
Nothing contained in Section 11521, 11521.1, 11521.2, 11521.4, 11523.6, or paragraph (6) of subdivision (a) of Section 11523 shall apply to any grants and annuities...
California Insurance Code Section 11522
Every organization or person holding a certificate of authority to receive transfers under this chapter shall make and file with the commissioner information regarding each...
California Insurance Code Section 11523
(a) The annuity agreement shall show each of the following: (1) The value of the property transferred. (2) The amount of annuity agreed to be...
California Insurance Code Section 11523.5
Any person holding a certificate of authority under this chapter may reinsure its total liability under an annuity agreement (as defined in Section 11523) with...
California Insurance Code Section 11523.6
No grants and annuities society applying for admission to this state, or transacting in this state, the business described in this chapter shall transact or...
California Insurance Code Section 11524
Except as prescribed in this chapter, such organization or person shall be otherwise exempt from the provisions of this code and other insurance laws of...
California Insurance Code Section 11525
A solvent domestic incorporated insurer having a paid-in capital represented by outstanding shares of capital stock and issuing, on a reserve basis, nonassessable policies of...
California Insurance Code Section 11526
Such plan shall include appropriate proceedings for amending the insurer's articles of incorporation to give effect to the acquisition, by said insurer, for the benefit...
California Insurance Code Section 11527
The commissioner shall examine the plan submitted under subdivision (c) of Section 11526. The commissioner shall not approve the plan unless in the commissioner's opinion...
California Insurance Code Section 11528
The election prescribed by subdivision (d) of Section 11526, shall be called by the board of directors or the president and every policyholder of the...
California Insurance Code Section 11529
In carrying out any such plan, the insurer may acquire any shares of its own stock by gift, bequest or purchase. Any shares so acquired...
California Insurance Code Section 11529.5
Any such plan of mutualization may provide for the creation of a voting trust under a trust agreement for the holding and voting by three...
California Insurance Code Section 11530
Every payment for the acquisition of any shares of the capital stock of such insurer, the purchase price of which is not fixed by such...
California Insurance Code Section 11531
The trustees referred to in section 11529 shall file with such insurer and with the commissioner a verified acceptance of their appointments and verified declarations...
California Insurance Code Section 11532
Such insurer, after mutualization, shall be a continuation of the original insurer, and such mutualization shall not affect such insurer's certificate of authority nor existing...
California Insurance Code Section 11532.1
An annual meeting of members shall be held at 10 o'clock in the morning of the fourth Tuesday of March of each year at the...
California Insurance Code Section 11532.2
Special meetings of the members, for any purpose or purposes whatsoever, may be called at any time by the president, or by the board of...
California Insurance Code Section 11532.3
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...
California Insurance Code Section 11532.4
The presence in person or by proxy of 5 per cent of the members entitled to vote at any meeting shall constitute a quorum for...
California Insurance Code Section 11532.5
Each such member shall have one vote at any meeting of members regardless of the number of policies or the amount of insurance that such...
California Insurance Code Section 11532.6
The directors of the insurer in office at the time the insurer is mutualized as provided in this chapter shall continue in office until the...
California Insurance Code Section 11532.7
The articles of incorporation or the bylaws may provide that the directors may be divided into two or more classes whose terms of office shall...
California Insurance Code Section 11532.8
All insurers mutualized under the provisions of this chapter shall be subject to all other applicable provisions of this code and to the provisions of...
California Insurance Code Section 11533
The provisions of Article 8 of Chapter 1 of Part 2 of Division 1 of this code shall not apply to any of the following:...
California Insurance Code Section 11535
(a) A domestic incorporated mutual life insurer, or life and disability insurer, issuing nonassessable policies on a reserve basis may be converted into an incorporated...
California Insurance Code Section 11535.1
The definitions in this section apply to the following terms when used in this chapter. (a) "Adoption date" means the date the board of directors...
California Insurance Code Section 11536
The plan of conversion shall include appropriate proceedings for amending the mutual company's articles of incorporation to give effect to the conversion from a nonstock...
California Insurance Code Section 11537
For the conversion of a mutual property-casualty insurer, the plan for conversion shall include the following: (a) A fair and reasonable formula, approved by the...
California Insurance Code Section 11537.1
For the conversion of a mutual life insurer, the plan of conversion shall provide for either a mutual holding company in compliance with Section 11537.2...
California Insurance Code Section 11537.2
A plan of conversion adopted by a mutual life insurer for the establishment of a mutual holding company shall provide that the mutual life insurer...
California Insurance Code Section 11537.3
A plan of conversion adopted by a converting mutual life company shall include the following: (a) (1) The plan provides that each member's membership interests...
California Insurance Code Section 11538
(a) The commissioner shall examine the plan submitted pursuant to subdivision (b) of Section 11536. As a part of the examination the commissioner may order...
California Insurance Code Section 11539
The meeting of members prescribed by subdivision (c) of Section 11536 shall be called by the board of directors, the chairperson of the board, or...
California Insurance Code Section 11540
(a) Nothing in this chapter shall be deemed to prohibit the inclusion in the plan of conversion of provisions under which the insurer's officers, directors,...
California Insurance Code Section 11541
No director, officer, agent, or employee of the mutual company shall receive any fee, commission, or other valuable consideration whatsoever, other than regular salary and...
California Insurance Code Section 11541.1
At any time before that plan of conversion becomes effective as provided in Section 11542, the mutual company may, by resolution of a majority of...
California Insurance Code Section 11542
(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...
California Insurance Code Section 11542.1
(a) Upon the effective date of a plan of conversion in accordance with Section 11537.2, the mutual life insurer immediately becomes a stock corporation, the...
California Insurance Code Section 11542.2
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...
California Insurance Code Section 11543
Unless otherwise provided in the plan of conversion, the directors and officers of the mutual company shall serve as directors and officers of the converted...
California Insurance Code Section 11543.1
(a) Notwithstanding any other provision of law and except as otherwise provided in subdivision (b), actions concerning any plan of conversion, proposed plan of conversion,...
California Insurance Code Section 11544
The offer or sale of securities issued pursuant to the plan of conversion developed and approved in accordance with the provisions of this chapter, shall...
California Insurance Code Section 11545
The commissioner shall have the authority from time to time, to make, amend and rescind such rules and regulations as may be necessary to carry...
California Insurance Code Section 11546
Upon completion of the act of conversion and issuance of the certificate of authority under Section 11542, the Secretary of State shall accept for filing...
California Insurance Code Section 11547
(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 11548
If the name of a mutual life insurer converting to a stock insurer pursuant to this chapter includes the word mutual, the new stock insurer...
California Insurance Code Section 11549
(a) Pursuant to this section, a mutual holding company may merge into a foreign mutual holding company that is domiciled in a state to which...
California Insurance Code Section 11550
As used in this article, the term "liability" means liability and common carrier liability insurance.
California Insurance Code Section 11551
As used in this article, the term "compensation" means workers' compensation insurance.
California Insurance Code Section 11552
As used in this article, the term "earned premium," means the amount remaining of the gross premiums charged on all policies written, including all determined...
California Insurance Code Section 11553
As used in this article, the terms "loss payments," and "loss expense payments," mean all payments to claimants or on account of claims. Such payments...
California Insurance Code Section 11554
In estimating the condition of any insurer admitted to transact such liability or compensation insurance, the commissioner shall charge as liabilities, among any other items,...
California Insurance Code Section 11555
An insurer transacting such compensation or liability insurance shall include the following schedules in its annual statement required by law: (a) A schedule showing distribution...
California Insurance Code Section 11555.2
Each insurer transacting insurance covering liability for malpractice of any person licensed under the Dental Practice Act (Chapter 4 (commencing with Section 1600) of Division...
California Insurance Code Section 11556
The reserve for outstanding losses and loss expenses under such liability or compensation insurance shall be determined in accordance with the regulations of the commissioner...
California Insurance Code Section 11557
Whenever the reserves for outstanding liability or compensation losses and loss expenses of any insurer, computed pursuant to this article, seem inadequate to the commissioner,...
California Insurance Code Section 11580
A policy insuring against losses set forth in subdivision (a) shall not be issued or delivered to any person in this state unless it contains...
California Insurance Code Section 11580.01
(a) A policy insuring against legal liability arising from the rendering of professional services by an insured licensed pursuant to the provisions of Division 2...
California Insurance Code Section 11580.02
A liability insurer may review bills submitted for the defense of its insured, but shall not compensate a reviewer based on any of the following:...
California Insurance Code Section 11580.04
Any additional insured endorsement issued by an admitted or nonadmitted insurer for the benefit of a public agency in connection with, collateral to, or affecting...
California Insurance Code Section 11580.05
The Legislature declares that the public policy of this state in regard to provisions authorized or required to be included in policies affording automobile liability...
California Insurance Code Section 11580.06
Except as may be otherwise provided in this article: (a) The term "motor vehicle" means any vehicle designed for use principally upon streets and highways...
California Insurance Code Section 11580.07
Except when required by a conditional sales vendor, no person or entity who is licensed pursuant to Chapter 5 (commencing with Section 1621) of Part...
California Insurance Code Section 11580.08
With respect to disclosure of the fact of an arrest for any violation of the Vehicle Code or of a city or county ordinance or...
California Insurance Code Section 11580.09
(a) Any policy of automobile liability insurance shall contain a notice stating limits of future coverage. The notice shall be prominently displayed on the first...
California Insurance Code Section 11580.010
(a) Any automobile liability insurer that is responsible for coverage for ordinary, reasonable, and necessary medical transportation services provided to an insured, or on behalf...
California Insurance Code Section 11580.011
(a) As used in this section, "child passenger restraint system" means a system as described in Section 27360 of the Vehicle Code. (b) Every policy...
California Insurance Code Section 11580.1
(a) No policy of automobile liability insurance described in Section 16054 of the Vehicle Code covering liability arising out of the ownership, maintenance, or use...
California Insurance Code Section 11580.15
Subject to the approval of the Insurance Commissioner, every admitted insurer issuing or renewing motor vehicle liability policies as defined in Section 16054 or 16450...
California Insurance Code Section 11580.17
The department shall not prohibit an insurer from electing to inspect physically a motor vehicle for purposes of issuing a policy for collision or comprehensive...
California Insurance Code Section 11580.2
(a) (1) No policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle, except for...
California Insurance Code Section 11580.23
(a) If a suit for bodily injury has been filed against an uninsured motorist in a court of competent jurisdiction, notice in writing of the...
California Insurance Code Section 11580.24
(a) No private passenger motor vehicle insured by its owner pursuant to a policy of insurance subject to Section 11580.1 or 11580.2 shall be classified...
California Insurance Code Section 11580.25
No motor vehicle insured pursuant to a policy of insurance issued under Section 11580.1 or 11580.2 shall be classified as a common carrier, livery, or...
California Insurance Code Section 11580.26
(a) Except where a named insured has agreed pursuant to Section 11580.2 to delete the coverages provided by that section, no policy of bodily injury...
California Insurance Code Section 11580.3
When an insured entitled to recovery under uninsured motorists' coverage is a minor, an arbitration award upon the minor's claim is deemed to be a...
California Insurance Code Section 11580.4
In any action or arbitration proceeding to determine whether an insured shall be entitled to recovery of damages under uninsured motorist coverage, the certificate of...
California Insurance Code Section 11580.5
No award made in an arbitration proceeding instituted pursuant to Section 11580.2 shall be deemed to be res judicata or collateral estoppel in any court...
California Insurance Code Section 11580.6
Where a policy of liability insurance covering the ownership, maintenance, or use of a motor vehicle or aircraft contains a provision indicating that coverage is...
California Insurance Code Section 11580.8
The Legislature declares it to be the public policy of this state to avoid so far as possible conflicts and litigation, with resulting court congestion,...
California Insurance Code Section 11580.9
(a) Where two or more policies affording valid and collectible automobile liability insurance apply to the same motor vehicle in an occurrence out of which...
California Insurance Code Section 11580.10
Any liability insurer issuing or renewing an automobile liability policy or a motor vehicle liability policy within the meaning of subdivision (a) of Section 16054...
California Insurance Code Section 11581
Upon any proceeding supplementary to execution, such judgment debtor may be required to exhibit any policy carried by him, insuring him against the liability for...
California Insurance Code Section 11582
No settlement made under a motor vehicle liability insurance policy of a claim against any insured thereunder arising from any accident or other event insured...
California Insurance Code Section 11583
No advance payment or partial payment of damages made by any person, or made by his insurer under liability insurance as defined in subdivision (a)...
California Insurance Code Section 11584
No policy of insurance issued or delivered in this state covering any loss, expense or liability arising out of the ownership, maintenance, or use of...
California Insurance Code Section 11585
(a) No policy of insurance for residential property located within California shall be issued or delivered, and no existing policy of insurance for residential property...
California Insurance Code Section 11586
(a) On and after the effective date of this section, each insurer licensed to issue automobile liability insurance or common carrier liability insurance, and selling...
California Insurance Code Section 11588
No insurer authorized to do business in this state and to provide professional liability insurance to persons lawfully engaged in the practice of medicine or...
California Insurance Code Section 11589
No insurer who provides professional liability insurance for physicians and surgeons or dentists shall increase the premium for such insurance, impose a surcharge with respect...
California Insurance Code Section 11589.5
No insurer who provides professional liability insurance for persons licensed under the provisions of Part 1 (commencing with Section 10000) of Division 4 of the...
California Insurance Code Section 11590
Except as provided in Section 11591, no policy providing comprehensive personal liability insurance may be issued or renewed in this state on or after January...
California Insurance Code Section 11591
The requirements of Section 11590 shall be inapplicable to any such policy of insurance or endorsement where the services of such employee are in connection...
California Insurance Code Section 11592
Notwithstanding the provisions of subdivision (f) of Section 1851, the rates, classifications, and rating systems for the workers' compensation insurance covering those persons defined as...
California Insurance Code Section 11593
The premium charge for the coverage required by Section 11590 shall not be separately stated from that charged for other coverage under the policy in...
California Insurance Code Section 11600
An incorporated insurer issuing policies of liability, workers' compensation, or common carrier liability insurance, shall be governed by the paid-in capital and surplus requirements of...
California Insurance Code Section 11601
Except as restricted by its charter, such an incorporated insurer, having such a paid-in capital, may transact all three of such insurances.
California Insurance Code Section 11602
Any such insurer which on July 26, 1919, was authorized by its charter to transact liability insurance may transact workers' compensation and common carrier liability...
California Insurance Code Section 11620
(a) The commissioner, after a public hearing, shall approve or issue a reasonable plan for the equitable apportionment, among insurers admitted to transact liability insurance,...
California Insurance Code Section 11621.1
ln the event an insurer discontinues writing automobile liability insurance in this state but retains its license to write that business, it shall continue to...
California Insurance Code Section 11621.2
(a) An insurer that is no longer licensed to write automobile liability insurance in this state shall have its plan business treated in the same...
California Insurance Code Section 11621.3
Insurer groups under the same ownership may elect to be treated as one insurer for purposes of participating in the plan and receiving its assignments...
California Insurance Code Section 11621.4
(a) New plan assignments to a participating insurer may be suspended or a participating insurer may be relieved of its obligation to renew existing assigned...
California Insurance Code Section 11621.5
(a) In the event proceedings have been initiated by the commissioner to have an insurer declared insolvent, and a receiver or liquidator has been appointed,...
California Insurance Code Section 11622
Such plan shall require the issuance of a policy affording coverage in the amount of fifteen thousand dollars ($15,000) for bodily injury to or death...
California Insurance Code Section 11622.5
The plan shall provide for effective dates for coverage consistent with all of the following: (a) Except as provided in this section, in no event...
California Insurance Code Section 11623
(a) (1) To assist the commissioner in carrying out the purposes of this article, an advisory committee composed of 15 members is created. The commissioner...
California Insurance Code Section 11623.5
(a) Groups of insurers not under common ownership or management may form a limited assignment distribution arrangement. Each arrangement shall have one servicing carrier that...
California Insurance Code Section 11624
The plan shall contain: (a) Standards for determining eligibility of applicants for insurance, including a requirement of a certificate of eligibility as provided in Section...
California Insurance Code Section 11624.08
The plan shall require a certificate of eligibility to accompany the application for coverage. The certificate shall indicate whether or not the applicant meets the...
California Insurance Code Section 11624.09
Upon a determination by the plan that a certificate of eligibility is defective due to an omission or mistake which is immaterial to determining the...
California Insurance Code Section 11624.1
(a) An insurer shall mail a policy within 30 days of the receipt of an assignment. (b) Upon the determination of an insurer to whom...
California Insurance Code Section 11624.2
(a) An insurer shall acknowledge in writing within 15 days the receipt of a request for the endorsement of an assigned risk policy. The mailing...
California Insurance Code Section 11624.3
Any return premium checks due to an insured or to a lender subject to the provisions of subdivision (g) of Section 673 on account of...
California Insurance Code Section 11624.4
Every insurer to whom an assignment is made shall do all of the following: (a) Provide policyholders with information on how to report claims. (b)...
California Insurance Code Section 11624.5
No insurance agent, broker or solicitor shall make any charge to the applicant, directly or indirectly, for furnishing any person the necessary application forms, technical...
California Insurance Code Section 11624.6
Every insurer, agent, or broker assigned an application by the plan may conclusively rely on the acceptance, rejection, or waiver of coverages stated in the...
California Insurance Code Section 11624.7
Within 60 days after the effective date of any policy issued or renewed under this article, the insurer shall obtain from the Department of Motor...
California Insurance Code Section 11625
If an insurer admitted to transact liability insurance fails to subscribe to the plan or to any amendments thereto, the commissioner shall give 10 days'...
California Insurance Code Section 11626
If the commissioner, after hearing upon not less than ten (10) days' notice, finds that any insurer has failed to perform any of the duties...
California Insurance Code Section 11626.1
(a) No insurer shall downgrade the rating, or otherwise adversely affect the insurability, of a person insured under Section 11622.1 solely because of that person's...
California Insurance Code Section 11627
In this article, "insurer" includes reciprocal or interinsurance exchanges.
California Insurance Code Section 11628
(a) (1) No admitted insurer that is licensed to issue and issuing motor vehicle liability policies, as defined in Section 16450 of the Vehicle Code,...
California Insurance Code Section 11628.3
(a) Based on the actuarial and loss experience data available to each insurer, including the driving records of mature driver improvement course graduates, as recorded...
California Insurance Code Section 11628.5
No admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, shall fail or refuse to accept...
California Insurance Code Section 11628.7
No admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, shall fail or refuse to accept...
California Insurance Code Section 11629
Each separate act of an insurer or its agent in violation of Section 11628 or 11628.5 shall render the insurer liable in damages in the...
California Insurance Code Section 11629.5
Any insurer which has refused to issue to an applicant a policy of insurance in violation of Section 11628 or 11628.5 and which has been...
California Insurance Code Section 11629.7
(a) There is established, within the California Automobile Assigned Risk Plan established under Section 11620, a low-cost automobile insurance program for all counties in California....
California Insurance Code Section 11629.71
A low-cost automobile insurance policy for purposes of the program established under this article shall have all of the following attributes: (a) The policy shall...
California Insurance Code Section 11629.72
(a) Effective March 1, 2003, the annual rate offered under the program for the low-cost automobile policy, unless and until the time that the rate...
California Insurance Code Section 11629.73
A low-cost automobile insurance policy under the program shall only be available for purchase by persons who satisfy the following eligibility requirements: (a) The person...
California Insurance Code Section 11629.731
A person who meets the requirements of subdivision (a) of Section 11629.73, and who claims that he or she meets the requirements of subdivisions (b)...
California Insurance Code Section 11629.74
(a) Application may be made through any producer certified by the plan. The applicant, in order to demonstrate financial eligibility to purchase a low-cost automobile...
California Insurance Code Section 11629.745
(a) An agent or broker (hereafter referred to as a producer) who conducts business in a county in which a low-cost automobile insurance policy is...
California Insurance Code Section 11629.75
(a) A certified producer shall provide to an applicant for a low-cost automobile insurance policy under this article a notice relating to coverage under the...
California Insurance Code Section 11629.76
(a) For a low-cost automobile insurance policy issued pursuant to the program, certified producers shall be entitled to the same commission rate as is paid...
California Insurance Code Section 11629.77
(a) A low-cost automobile insurance policy issued pursuant to the program shall be canceled only for the following reasons: (1) Nonpayment of premium. (2) Fraud...
California Insurance Code Section 11629.78
(a) An insured under the program shall not purchase automobile liability insurance coverage that is in addition to the liability coverage provided by the low-cost...
California Insurance Code Section 11629.79
(a) The program for the County of Los Angeles and the City and County of San Francisco is authorized to commence operations on January 1,...
California Insurance Code Section 11629.8
Notwithstanding the coverage amounts required by Section 16056 of the Vehicle Code, a low-cost automobile policy issued under the program shall satisfy the financial responsibility...
California Insurance Code Section 11629.81
The California Automobile Assigned Risk Plan shall report to the Legislature on an annual basis, and at those additional times as it deems prudent, on...
California Insurance Code Section 11629.82
Nothing in this article is intended to amend or otherwise affect or interpret any provision of Proposition 103, approved by the electors on November 8,...
California Insurance Code Section 11629.83
An action challenging the constitutionality of the establishment of the pilot program by this article shall be commenced in a court of competent jurisdiction no...
California Insurance Code Section 11629.84
This article shall remain in effect only until January 1, 2016, and as of that date is repealed, unless a later enacted statute, that is...
California Insurance Code Section 11629.85
(a) On or before March 1 of each year, the commissioner shall prepare and propose a plan to the Senate Committee on Banking, Finance, and...
California Insurance Code Section 11629.86
(a) A California Automobile Assigned Risk Plan certified producer may accept and process an application to purchase a low-cost automobile insurance policy under this program...
California Insurance Code Section 11629.87
(a) Subject to the approval of the commissioner, the California Automobile Assigned Risk Plan shall establish and maintain, or contract with an entity to establish...
California Insurance Code Section 11629.88
An applicant shall not be required to provide a copy of the applicant's or other household member's driver's license, if the Department of Insurance finds...
California Insurance Code Section 11630
As used in this chapter, the term "compensation" means the benefits insured by workers' compensation insurance.
California Insurance Code Section 11631
As used in this chapter, the term "insurer" includes the State Compensation Insurance Fund.
California Insurance Code Section 11650
Every contract insuring against liability for compensation and every compensation policy is conclusively presumed to contain all of the provisions required by this article.
California Insurance Code Section 11651
Every such contract or policy shall contain a clause to the effect that the insurer will be directly and primarily liable to any proper claimant...
California Insurance Code Section 11652
Every such contract or policy shall contain a clause to the effect that, as between the employee and the insurer, notice to or knowledge of...
California Insurance Code Section 11653
Every such contract or policy shall contain a clause to the effect that jurisdiction of the employer will, for the purpose of the law imposing...
California Insurance Code Section 11654
Every such contract or policy shall contain a clause to the effect that the insurer will in all things be bound by and subject to...
California Insurance Code Section 11655
Such policy shall not contain any provisions relieving the insurer from payment when the employer becomes insolvent or obtains a discharge in bankruptcy, or otherwise,...
California Insurance Code Section 11656
Such policy shall also provide that the employee has a first lien upon any amount which becomes owing to the employer from the insurer on...
California Insurance Code Section 11656.1
Upon request of the State Department of Social Services, the State Compensation Insurance Fund may issue one workers' compensation insurance policy insuring all recipients of...
California Insurance Code Section 11656.5
In order to permit employees of small farms to be brought under the provisions of the Workers' Compensation Law, employers of agricultural labor who are...
California Insurance Code Section 11656.6
An insurer may issue a workers' compensation policy insuring an organization or association of employers as a group if the organization or association complies with...
California Insurance Code Section 11656.7
Each member of an organization insured under a group policy shall be treated as a single and separate entity as respects rates, classifications and rating...
California Insurance Code Section 11656.8
Nothing in Section 11656.6 or 11656.7 shall be construed to supersede, modify, or otherwise affect in any way the provisions of Section 11656.5.
California Insurance Code Section 11656.9
To encourage and facilitate the participation of agencies, entities or institutions, public or private, in economic opportunity programs authorized under Public Law 88-452, insurers may...
California Insurance Code Section 11657
Subject to the provisions of Sections 11659 and 11660, limited workers' compensation policies may be issued insuring either the whole or any part of the...
California Insurance Code Section 11658
(a) A workers' compensation insurance policy or endorsement shall not be issued by an insurer to any person in this state unless the insurer files...
California Insurance Code Section 11658.5
(a) (1) An insurer that intends to use a dispute resolution or arbitration agreement to resolve disputes arising in California out of a workers' compensation...
California Insurance Code Section 11659
Such approved form of policy, limited pursuant to Section 11657, shall not be otherwise limited except by indorsement thereon in accordance with a form prescribed...
California Insurance Code Section 11660
Failure to observe the requirements of Sections 11657 and 11659 shall render a policy issued under Section 11657, and not complying therewith, unlimited.
California Insurance Code Section 11661
An insurer shall not insure against the liability of the employer for the additional compensation recoverable for serious and willful misconduct of the employer or...
California Insurance Code Section 11661.5
An insurer shall not insure an employer against his liability for additional compensation arising out of injuries to illegally employed persons under 16 years of...
California Insurance Code Section 11661.6
(a) An insurer shall not insure an employer against his or her obligation to reimburse the insurer for the amount of increase in indemnity payment...
California Insurance Code Section 11662
Whenever any employer is insured against liability for compensation with any insurer, such insurer is subrogated to the rights of the employer to recover losses...
California Insurance Code Section 11663
As between insurers of general and special employers, one which insures the liability of the general employer is liable for the entire cost of compensation...
California Insurance Code Section 11663.5
(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...
California Insurance Code Section 11664
(a) This section applies only to policies of workers' compensation insurance. (b) A notice of nonrenewal shall be in writing and shall be delivered or...
California Insurance Code Section 11665
(a) An insurer who issues a workers' compensation insurance policy to a roofing contractor holding a C-39 license from the Contractors State License Board shall...
California Insurance Code Section 11690
For purposes of this article: (a) "Compensable workers' compensation claim" means a claim where the claimant is entitled to benefits under the workers' compensation law...
California Insurance Code Section 11691
(a) (1) In order to provide protection to the workers of this state in the event that the insurers issuing workers' compensation insurance to employers...
California Insurance Code Section 11691.1
The fees for filing a schedule of securities with the Treasurer, and making a deposit of the same, and for each withdrawal, substitution, or any...
California Insurance Code Section 11691.2
The deposit required pursuant to Section 11691 shall be security for the payment of the insurer's obligations on worker's compensation insurance transacted in this state....
California Insurance Code Section 11691.3
The commissioner shall establish a list of all insurers or reinsurers authorized to reinsure the injury, disablement, or death portions of policies of workers' compensation...
California Insurance Code Section 11692
A certificate of authority to transact workers' compensation insurance in this state shall not be issued nor renewed to any insurer until the deposit required...
California Insurance Code Section 11692.5
On and after the effective date of this article, the commissioner shall collect a late filing fee from any admitted insurer or reinsurer that fails...
California Insurance Code Section 11693
The deposit required pursuant to Section 11691 shall be adjusted on or prior to March 31 of each year in an amount as follows: (a)...
California Insurance Code Section 11694
After the first annual statement to the commissioner covering business of the insurer for a full year in this state, the deposit required pursuant to...
California Insurance Code Section 11694.5
On or before March 1 and May 15 of each year, the insurers or reinsurers subject to Section 11694 shall file a report in the...
California Insurance Code Section 11695
Where an admitted insurer has voluntarily ceased to do in this state the business for which a deposit is required pursuant to Section 11691, the...
California Insurance Code Section 11696
In the event an insurer not in a delinquency proceeding fails to pay any compensable workers' compensation claim against it, or fails to pay, to...
California Insurance Code Section 11697
The payment of a workers' compensation claim by the commissioner shall constitute a satisfaction of the claim to the extent of the payment made. In...
California Insurance Code Section 11698
(a) In the event any one of the eventualities described in paragraph (1), (2), (3), or (4), transpires, the commissioner shall immediately take control or...
California Insurance Code Section 11698.01
When the commissioner is authorized to proceed under Section 11698 he or she may do either of the following: (a) Subject to Sections 11698.2, 11698.21,...
California Insurance Code Section 11698.02
The proceeds of the deposit required pursuant to Section 11691 shall be used solely to pay compensable workers' compensation claims under the insured or reinsured...
California Insurance Code Section 11698.1
From time to time and in any event at or prior to the time of the filing of his or her petition for discharge as...
California Insurance Code Section 11698.2
If the commissioner enters into a reinsurance and assumption agreement as provided in subdivision (a) of Section 11698.01, that agreement shall provide for all of...
California Insurance Code Section 11698.21
(a) The reimbursement provision referred to in subdivision (c) of Section 11698.2 shall provide for the transfer of the securities in the deposit to the...
California Insurance Code Section 11698.22
The commissioner shall not enter into an agreement with an insurer if its reinsurance and assumption of liability will impair its solvency or render its...
California Insurance Code Section 11698.3
(a) If the insurer is a member insurer of the California Insurance Guarantee Association (the association) and has been the subject of an order of...
California Insurance Code Section 11699
Unless the deposit required pursuant to Section 11691 is withdrawn by the commissioner pursuant to the authority granted him or her by this article, it,...
California Insurance Code Section 11700
The deposit required pursuant to Section 11691, unless withdrawn by the commissioner, shall be used only for the payment of compensable workers' compensation claims and...
California Insurance Code Section 11701
The commissioner may revoke the certificate of authority to transact workers' compensation insurance or to reinsure the injury, disablement, or death portions of policies of...
California Insurance Code Section 11702
The provisions of this article shall not apply to workers' compensation insurance covering those persons defined as employees by subdivision (d) of Section 3351 of...
California Insurance Code Section 11703
An insurer desiring to write workers' compensation insurance shall maintain or provide occupational safety and health loss control consultation services pursuant to Section 6354.5 of...
California Insurance Code Section 11730
The following definitions govern the construction and meaning of the terms used in this article: (a) "Classification system" or "classification" means a plan, system, or...
California Insurance Code Section 11731
This article applies to workers' compensation insurance and employers' liability insurance written in connection therewith.
California Insurance Code Section 11732
Rates shall be adequate to cover an insurer's losses and expenses. Rates shall not tend to create a monopoly in the market. For the purpose...
California Insurance Code Section 11732.5
Rates shall not be unfairly discriminatory. Rates are unfairly discriminatory if, after allowing for practical limitations, price differentials fail to reflect equitably the difference in...
California Insurance Code Section 11733
In determining whether rates comply with Section 11732, the following criteria shall apply: (a) Due consideration may be given to past and prospective loss and...
California Insurance Code Section 11734
(a) Every workers' compensation insurer shall adhere to a uniform experience rating plan filed with the commissioner by a rating organization designated by the commissioner...
California Insurance Code Section 11735
(a) Every insurer shall file with the commissioner all rates and supplementary rate information that are to be used in this state. The rates and...
California Insurance Code Section 11736
An experience rating plan shall contain reasonable eligibility standards, provide adequate incentives for loss prevention, and shall provide for sufficient premium differentials so as to...
California Insurance Code Section 11736.5
(a) The commissioner shall establish, by regulation, those forms of collateral or security that an insurer may designate to secure the deductible amount of any...
California Insurance Code Section 11737
(a) The commissioner may disapprove a rate if the insurer fails to comply with the filing requirements under Section 11735. (b) The commissioner may disapprove...
California Insurance Code Section 11738
A classification shall take no account of any physical impairment of employees or the extent to which employees may have persons dependent upon them for
California Insurance Code Section 11739
(a) An insurer shall not use any plan for the payment of dividends to policyholders by reason of a participating provision in a workers' compensation...
California Insurance Code Section 11740
Rates and supplementary rate information filed for use in this state pursuant to this article and Article 3 (commencing with Section 11750), as added and...
California Insurance Code Section 11742
(a) The Legislature finds and declares that the insolvencies of more than a dozen workers' compensation insurance carriers have seriously constricted the market and led...
California Insurance Code Section 11750
(a) The purpose of this article is to promote the public welfare by regulating concert of action between insurers in collecting and tabulating rating information...
California Insurance Code Section 11750.1
As used in this article, unless a different meaning is manifest, the term: (a) "Insurer" means every insurer authorized to transact workers' compensation insurance and...
California Insurance Code Section 11750.2
The provisions of this article shall apply to all workers' compensation insurance and employer's liability insurance incidental thereto and written in connection therewith in this...
California Insurance Code Section 11750.3
A rating organization may be organized pursuant to this article and maintained in this state for the following purposes: (a) To provide reliable statistics and...
California Insurance Code Section 11751
On and after January 1, 1952, no rating organization shall conduct its operations in this state without first having filed with the commissioner a written...
California Insurance Code Section 11751.1
To obtain and retain a license, a rating organization shall provide satisfactory evidence to the commissioner that it shall do all of the following: (a)...
California Insurance Code Section 11751.2
The commissioner shall examine each application for license to act as a rating organization and the documents filed therewith and may make any further investigation...
California Insurance Code Section 11751.25
Notwithstanding the provisions of Section 11751, each rating organization possessing a license of indefinite term pursuant to this article shall owe and pay to the...
California Insurance Code Section 11751.3
(a) Subject to the approval of the commissioner, a rating organization licensed under this article may adopt any reasonable constitution, articles of incorporation, or agreement...
California Insurance Code Section 11751.35
(a) Four members of the public, two representing organized labor and two representing insured employers, appointed pursuant to subdivision (b) of Section 11751.3, shall be...
California Insurance Code Section 11751.4
From and after the taking effect of this act, it shall be the duty of every insurer to be a member of a rating organization....
California Insurance Code Section 11751.5
The commissioner, after notice and hearing, may promulgate reasonable rules and statistical plans, which may be modified from time to time and which shall be...
California Insurance Code Section 11751.55
If an insurer, the State Compensation Insurance Fund, a rating organization, or an advisory organization requests an official action by the commissioner under Chapters 2...
California Insurance Code Section 11751.7
(a) The rating organization designated the statistical agent pursuant to Section 11751.5 shall provide to the Director of Industrial Relations, upon request, any information in...
California Insurance Code Section 11751.8
An insurer shall report to its rating organization as corrections or revisions of losses, pursuant to the unit statistical plan and uniform experience rating plans...
California Insurance Code Section 11751.82
(a) An insurer under a wrap-up insurance policy shall report workers' compensation losses and payroll information for each contractor and subcontractor to its rating organization...
California Insurance Code Section 11751.9
Whenever a claim or claims used in an experience rating are closed and reported pursuant to the unit statistical plan approved by the commissioner and...
California Insurance Code Section 11752
The commissioner may, as often as reasonable and necessary, make or cause to be made an examination of each rating or advisory organization to ascertain...
California Insurance Code Section 11752.1
The officers, managers, agents and employees of any such organization may be examined by the commissioner at any time under oath and shall exhibit all...
California Insurance Code Section 11752.2
The reasonable cost of any examination authorized by this article of any rating or advisory organization shall be paid by the organization examined.
California Insurance Code Section 11752.5
(a) Subject to subdivision (b), a licensed rating organization shall make available any policy information contained in its records to the following: (1) The Department...
California Insurance Code Section 11752.6
(a) A licensed rating organization shall make available, in writing, to an employer insured under a workers' compensation policy, all policyholder information contained in its...
California Insurance Code Section 11752.7
(a) A licensed rating organization may make available experience rating information contained in its records to any insurer admitted to transact workers' compensation insurance in...
California Insurance Code Section 11752.75
(a) (1) Notwithstanding any other provision of law, a licensed rating organization shall, pursuant to regulations adopted by the commissioner after notice and hearing, establish...
California Insurance Code Section 11752.8
(a) For all policies of insurance issued, or renewed for the first time on or after January 1, 1995, the insurer shall provide a notice,...
California Insurance Code Section 11752.9
Notwithstanding subdivision (d) of Section 11750.3, a rating organization shall provide a policyholder with written notification if it imposes a change in the classification assignment...
California Insurance Code Section 11753
No advisory organization shall conduct its operations in this State unless and until it has filed with the commissioner: a. A copy of its constitution,...
California Insurance Code Section 11753.1
(a) Any person aggrieved by any decision, action, or omission to act of a rating organization may request that the rating organization reconsider the decision,...
California Insurance Code Section 11753.2
(a) If a change in a classification assignment on a workers' compensation insurance policy is due to an erroneous classification and results in a decreased...
California Insurance Code Section 11753.3
Notwithstanding Section 1851.1, a workers' compensation insurance rating organization licensed pursuant to the provisions of this article which does not make rates, rating plans or...
California Insurance Code Section 11754
If the commissioner has good cause to believe that a rating or advisory organization or an insurer does not comply with the requirements of this...
California Insurance Code Section 11754.1
If the commissioner has good cause to believe such noncompliance to be wilful, or if within the period prescribed by the commissioner in the notice...
California Insurance Code Section 11754.2
If, after a hearing pursuant to Section 11754.1, the commissioner finds: a. That any rating or advisory organization or other organization authorized by this article...
California Insurance Code Section 11754.3
In addition to other penalties provided in this code the commissioner may suspend or revoke the license of any rating organization or insurer which fails...
California Insurance Code Section 11754.4
Except as otherwise provided in this article, all proceedings in connection with the denial, suspension or revocation of a license of a rating organization or...
California Insurance Code Section 11754.5
Any finding, determination, rule, ruling, or order made by the commissioner under this article or Article 2 (commencing with Section 11730) shall be subject to...
California Insurance Code Section 11755
No person, insurer, rating or advisory organization shall willfully withhold information from, or knowingly give false or misleading information to, the commissioner or to any...
California Insurance Code Section 11756
(a) Any person, insurer, or organization, who fails to comply with a final order of the commissioner under this article shall be liable to the...
California Insurance Code Section 11757
Nothing in this article shall be construed to prohibit or regulate the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers...
California Insurance Code Section 11758
No act done, action taken or agreement made pursuant to the authority conferred by this article shall constitute a violation of or grounds for prosecution...
California Insurance Code Section 11758.1
The provisions of this article shall not apply to the workers' compensation insurance covering those persons defined as employees by subdivision (d) of Section 3351...
California Insurance Code Section 11759
The Legislature hereby finds and declares as follows: The Legislature pursuant to its plenary power over workers' compensation granted by Section 4 of Article XIV...
California Insurance Code Section 11759.1
A rating organization shall, no later than June 1 of each year, notify the Governor and the Legislature that a report containing an analysis of...
California Insurance Code Section 11759.2
(a) A licensed rating organization designated as the Insurance Commissioner's statistical agent shall prepare a report to be submitted to the Insurance Commissioner by April...
California Insurance Code Section 11760
(a) It is unlawful to make or cause to be made any knowingly false or fraudulent statement, whether made orally or in writing, of any...
California Insurance Code Section 11760.1
(a) If an employer fails to provide for access by the insurer or its authorized representative to its records, to enable the insurer to perform...
California Insurance Code Section 11761
(a) The commissioner shall adopt regulations setting forth the minimum standards of training, experience, and skill that workers' compensation claims adjusters must possess to perform...
California Insurance Code Section 11770
(a) The State Compensation Insurance Fund is continued in existence, to be administered by its board of directors for the purpose of transacting workers' compensation...
California Insurance Code Section 11771
The State shall not be liable beyond the assets of the State Compensation Insurance Fund for any obligations in connection therewith.
California Insurance Code Section 11771.5
Any advertising of the State Compensation Insurance Fund shall include the following disclaimer: "The State Compensation Insurance Fund is not a branch of the State...
California Insurance Code Section 11772
There shall not be any liability in a private capacity on the part of the board of directors or any member thereof, or any officer...
California Insurance Code Section 11773
The fund shall be organized as a public enterprise fund.
California Insurance Code Section 11774
The assets of the fund shall be applicable to the payment of losses sustained on account of insurance and to the payment of the salaries...
California Insurance Code Section 11775
The fund shall, after a reasonable time during which it may establish a business, be fairly competitive with other insurers, and it is the intent...
California Insurance Code Section 11776
The actual loss experience and expense of the fund shall be ascertained on or about the first of January in each year for the year...
California Insurance Code Section 11777
Such cash dividend or credit is to be in an amount which the board of directors in its discretion considers to be the employer's proportion...
California Insurance Code Section 11778
The fund may transact workers' compensation insurance required or authorized by law of this state to the same extent as any other insurer. The fund...
California Insurance Code Section 11779
The fund may insure California employers against their liability for compensation or damages for injury or death under the United States Longshoremen's and Harbor Workers'...
California Insurance Code Section 11780
The fund may also insure an employer against his or her liability for damages under the laws of the State of California arising out of...
California Insurance Code Section 11780.5
(a) The fund may also insure a California employer against his or her liability for workers' compensation benefits, under the law of any other state,...
California Insurance Code Section 11781
The board of directors is hereby vested with full power, authority and jurisdiction over the State Compensation Insurance Fund. The board of directors may perform...
California Insurance Code Section 11781.5
The State Compensation Insurance Fund may acquire and own real property for a branch office in the City of Los Angeles when so determined by...
California Insurance Code Section 11782
All business and affairs of the fund shall be conducted in the name of the State Compensation Insurance Fund, and in that name, without any...
California Insurance Code Section 11783
The State Compensation Insurance Fund may: (a) Sue and be sued in all actions arising out of any act or omission in connection with its...
California Insurance Code Section 11784
In conducting the business and affairs of the fund, the president of the fund may do any of the following: (a) Enter into contracts of...
California Insurance Code Section 11785
(a) The board of directors shall appoint a president, a chief financial officer, a chief operating officer, a chief information technology officer, a chief investment...
California Insurance Code Section 11785.5
(a) Notwithstanding any other provision of law to the contrary, the members of the Board of Directors of the State Compensation Insurance Fund and officers...
California Insurance Code Section 11786
Before entering on the duties of his or her office, the president shall qualify by giving an official bond approved by the board of directors...
California Insurance Code Section 11787
The board of directors may delegate to the president of the fund, under those rules and regulations and subject to those conditions as it from...
California Insurance Code Section 11788
The State Treasurer shall be custodian of all securities belonging to the State Compensation Insurance Fund, except as otherwise provided in this chapter. He or...
California Insurance Code Section 11790
All securities belonging to the fund shall be delivered to the State Treasurer and held by him or her until otherwise disposed of as provided...
California Insurance Code Section 11793
Expenditures made by the State Compensation Insurance Fund are exempted from the provisions of Part 3 (commencing with Section 900) of Division 3.6 of Title...
California Insurance Code Section 11797
(a) The board of directors shall cause all moneys in the State Compensation Insurance Fund that are in excess of current requirements to be invested...
California Insurance Code Section 11800
All moneys in the State Compensation Insurance Fund, in excess of current requirements and not otherwise invested, may be deposited by the board of directors...
California Insurance Code Section 11800.1
The board of directors may, with the approval of the State Treasurer, authorize the establishment of an account or fund in the State Treasury in...
California Insurance Code Section 11800.2
The State Controller shall keep a special ledger account pertaining to the State Compensation Insurance Fund. In the State Controller's general ledger this account may...
California Insurance Code Section 11801
The assets, premiums, reserves, investment income, and any and all property of whatsoever kind derived or acquired by the fund from its transaction of its...
California Insurance Code Section 11802
All premiums, reserves, investment income, and all property of whatsoever kind derived or acquired by the fund from its transaction of insurance pursuant to the...
California Insurance Code Section 11803
All claims, costs of doing business, liabilities, expenses, and obligations arising out of or related to the fund's transaction of insurance pursuant to the United...
California Insurance Code Section 11804
Joint or shared use of office building space, whether owned, leased or rented, and the joint use of all furniture, automobiles, office equipment, supplies and...
California Insurance Code Section 11805
The State Compensation Insurance Fund shall report annually to the Legislature as soon after the close of the calendar year as is feasible, with respect...
California Insurance Code Section 11820
Subject to the provisions of Article 2 (commencing with Section 11730) of Chapter 3, the board of directors shall establish the rates to be charged...
California Insurance Code Section 11821
Within each class of business insured such rates shall be fixed, so far as practicable, in accordance with the following elements: (a) Bodily risk or...
California Insurance Code Section 11822
The rates fixed by the board of directors shall be that percentage of the payroll of any employer which, in the long run and on...
California Insurance Code Section 11840
The insurance contracts or policies of the State Compensation Insurance Fund may be either limited or unlimited. The insurance contracts or policies may be issued...
California Insurance Code Section 11841
Nothing in this chapter shall prevent: (a) Any applicant for insurance from being covered temporarily until the application is finally acted upon. (b) An insured...
California Insurance Code Section 11843
The State Compensation Insurance Fund may issue policies including, with their employees, employers who perform labor incidental to their occupations, and including also members of...
California Insurance Code Section 11844
Such policies covering employers shall insure to such employers and working members of their families the same compensations provided for their employees, and at the...
California Insurance Code Section 11845
The estimations of the wage values, respectively, of such insured employers and members of their families shall be reasonable and shall be separately stated in...
California Insurance Code Section 11846
The policies may likewise be sold to self-employing persons and to casual employees. The insureds, for the purpose of the insurance, shall be deemed to...
California Insurance Code Section 11860
Each quarter the president of the State Compensation Insurance Fund shall make a report to the Governor of the business done by the State Compensation...
California Insurance Code Section 11870
The state, any agency, department, division, commission, board, bureau, officer or other authority thereof, and each county, city and county, city, school district, irrigation district,...
California Insurance Code Section 11871
The State Compensation Insurance Fund may enter into a master agreement with the Department of Human Resources to render services in the adjustment and disposition...
California Insurance Code Section 11872
The fund may annually enter into agreements with state agencies for service to be rendered to the fund. These state agencies include, but shall not...
California Insurance Code Section 11873
(a) Except as provided by subdivision (b), the fund shall not be subject to the provisions of the Government Code made applicable to state agencies...
California Insurance Code Section 11874
On the effective date of this act the Controller shall draw his or her warrant in favor of the State Compensation Insurance Fund for the...
California Insurance Code Section 11880
(a) It is unlawful to make or cause to be made any knowingly false or fraudulent statement, whether made orally or in writing, of any...
California Insurance Code Section 11881
Whenever in Chapter 4, Part 3, Division 2 of the Insurance Code the term "State Industrial Accident Commission" or "Industrial Accident Commission" or "commission" or...
California Insurance Code Section 11885
(a) The Director of Finance is hereby authorized to act as agent for the state and, in that capacity, to sell a portion of, or...
California Insurance Code Section 11885.3
In order to accomplish the purpose of this article, the State Compensation Insurance Fund and its board of directors shall participate fully in good faith...
California Insurance Code Section 11885.5
Notwithstanding any other law, the approval of neither the Attorney General, nor the Insurance Commissioner, nor the Director of General Services is required for execution...
California Insurance Code Section 11885.7
(a) The Director of Finance shall deposit all proceeds of any sale of, or any funds achieved through any other disposition of, the State Compensation...
California Insurance Code Section 11885.9
(a) Notwithstanding any other law, the Director of Finance is authorized to enter into agreements with firms or individuals to act as advisers to the...
California Insurance Code Section 11886
(a) The Director of Finance, in consultation with the State Treasurer, shall select firms or individuals to provide advisory services based on demonstrated competence and...
California Insurance Code Section 11886.2
(a) The Director of Finance shall notify the Joint Legislative Budget Committee in writing upon his or her determination that neither the sale nor any...
California Insurance Code Section 11890
As used in this chapter: (a) "Long-term health care facility" has the same meaning as that term is defined in Section 1418 of the Health...
California Insurance Code Section 11891
(a) If the commissioner finds after a public hearing that liability insurance for long-term health care facilities, residential care facilities for the elderly, or physicians...
California Insurance Code Section 11892
(a) The commissioner may order the creation of an unincorporated, not-for-profit, temporary joint underwriting association for liability insurance, constituting a legal entity separate and distinct...
California Insurance Code Section 12050
An incorporated insurer issuing surety policies on the reserve basis shall be governed by the paid-in capital and surplus requirements of Sections 700. 01 to...
California Insurance Code Section 12051
During the first three years following its admission, the insurer's assets in an amount equal to its required paid-in capital shall be in cash or...
California Insurance Code Section 12052
After such three-year period, investments of such insurers are subject only to the provisions of this code regulating generally the investments of other incorporated insurers...
California Insurance Code Section 12055
An insurer admitted in the State to transact credit insurance may also acquire and dispose of debts so insured and collect any debts owed to...
California Insurance Code Section 12070
The commissioner shall publish and maintain a complete list of all admitted surety insurers on the department's public Web site. The list shall set forth...
California Insurance Code Section 12072
(a) Whenever the insurer's certificate of authority is surrendered, revoked, canceled, annulled, or suspended or whenever any such insurer, after such abrogation of its certificate...
California Insurance Code Section 12090
(a) An admitted surety insurer shall not become surety on any one undertaking, or accept reinsurance on such undertaking, when its liability thereon, in excess...
California Insurance Code Section 12091
Whenever a surety insurer fails to maintain such a financial condition that assets allowed under subdivision (a) are equal in value to the aggregate of...
California Insurance Code Section 12092
Whenever such an insurer fails to maintain the financial condition required by section 12091, the commissioner shall require the deficiency to be made up in...
California Insurance Code Section 12093
Whenever a surety insurer gives notice of cancellation of the coverage of an employee under a blanket fidelity bond, upon the request of the employee,...
California Insurance Code Section 12095
No insurer admitted in this state to issue surety insurance shall fail or refuse to accept an application for a contractor's license or performance bond,...
California Insurance Code Section 12096
(a) Any applicant for a contractor's license or performance bond who believes that the admitted surety insurer, regularly issuing such bonds, to whom he has...
California Insurance Code Section 12097
Whoever denies a contractor's license or performance bond solely on the grounds specified in this article is liable for each and every such offense for...
California Insurance Code Section 12100
As used in this article: (a) (1) "Financial guaranty insurance" means a surety bond, an insurance policy or, when issued by an insurer, an indemnity...
California Insurance Code Section 12101
An insurer may be organized and admitted to transact financial guaranty insurance in the manner prescribed for stock property and casualty insurers by the laws...
California Insurance Code Section 12102
(a) An insurer with a certificate of authority to transact the business of financial guaranty insurance as defined in Section 12100 may also transact the...
California Insurance Code Section 12103
Prior to the issuance of a certificate of authority to transact financial guaranty insurance, an insurer shall submit for the approval of the commissioner a...
California Insurance Code Section 12104
An admitted financial guaranty insurance corporation shall be subject to all of the provisions of this code applicable to property and casualty insurers to the...
California Insurance Code Section 12105
The filing fee for a certificate of authority or amended certificate of authority to transact financial guaranty insurance shall be five thousand dollars ($5,000).
California Insurance Code Section 12106
(a) An admitted financial guaranty insurance corporation's investments in any one entity insured by that corporation shall not exceed 4 percent of its admitted assets...
California Insurance Code Section 12107
(a) No insurer shall be issued a license to transact financial guaranty insurance unless it has paid-in capital of at least fifteen million dollars ($15,000,000)...
California Insurance Code Section 12108
(a) An admitted financial guaranty insurance corporation shall establish and maintain a contingency reserve. (b) With respect to all financial guaranties written prior to and...
California Insurance Code Section 12109
(a) In addition to the contingency reserve, the case basis method or other method as may be prescribed by the commissioner shall be used to...
California Insurance Code Section 12110
An unearned premium reserve shall be established and maintained net of reinsurance and collateral with respect to all financial guaranty premiums. Where financial guaranty insurance...
California Insurance Code Section 12111
An admitted financial guaranty insurance corporation shall adopt procedures reasonably calculated to ensure, to the extent it is commercially feasible for the financial guaranty insurance...
California Insurance Code Section 12112
(a) Except as provided in Section 12118, financial guaranty insurance may be transacted in this state only by an insurer admitted to transact financial guaranty...
California Insurance Code Section 12113
An admitted financial guaranty insurance corporation shall keep copies of all relevant materials prepared by the insurer or used in the initial underwriting or ongoing...
California Insurance Code Section 12114
(a) An insurer may insure obligations enumerated in subparagraphs (A), (B), and (C) of paragraph (1) of subdivision (b) of Section 12112 that are not...
California Insurance Code Section 12115
A financial guaranty insurance corporation admitted to transact financial guaranty insurance in this state shall limit its exposure to loss, net of collateral and reinsurance,...
California Insurance Code Section 12115.5
(a) If an admitted financial guaranty insurance corporation fails to maintain a rating in any of the top three generic rating classifications by any securities...
California Insurance Code Section 12116
(a) If an admitted financial guaranty insurance corporation at any time exceeds any limitation prescribed by subdivision (a) or (b) of Section 12114 or Section...
California Insurance Code Section 12116.5
(a) The commissioner may, for good cause, implement by regulation, order, or written consent, reasonable conditions or limitations under which any or all admitted financial...
California Insurance Code Section 12117
A financial guaranty insurance corporation shall not be deemed in violation of any limitation prescribed by Section 12115 with respect to any financial guaranty insurance...
California Insurance Code Section 12118
An admitted insurer transacting financial guaranty insurance in this state but which is not admitted to transact, financial guaranty insurance in this state shall be...
California Insurance Code Section 12119
Policy forms and any amendments thereto shall be filed with the commissioner within 30 days after their use in this state by the financial guaranty...
California Insurance Code Section 12120
An admitted financial guaranty insurance corporation with respect to financial guaranty insurance rates, shall not be subject to Sections 1861.01 and 1861.05, except that financial...
California Insurance Code Section 12121
(a) For financial guaranty insurance that takes effect on or after January 1, 1991, an insurer authorized to transact financial guaranty insurance shall receive credit...
California Insurance Code Section 12122
No insurer authorized to transact financial guaranty insurance shall pay any commission to or make any gift of money, property, or other valuable thing to...
California Insurance Code Section 12124
An incorporated insurer that does not issue fire, marine, life, liability, workers' compensation, common carrier liability, surety, title or mortgage policies but does issue other...
California Insurance Code Section 12125
(a) Subject to the provisions of this chapter, any insurer admitted to transact any class of insurance in this state, other than title insurance, mortgage...
California Insurance Code Section 12126
Group legal insurance shall mean that form of legal insurance covering groups of persons as defined in this chapter with or without one or more...
California Insurance Code Section 12127
Group and individual legal insurance may be offered in this state subject to all the following conditions: (a) Premium rates shall comply with any pertinent...
California Insurance Code Section 12128
In every group legal insurance plan, the employer, labor union, trustees, or other person to whom a group legal insurance plan policy is issued shall...
California Insurance Code Section 12129
The provisions of this chapter shall be enforced by the commissioner, and he may, after notice and public hearing, promulgate such reasonable rules and regulations...
California Insurance Code Section 12140
This part shall not apply to any of the following: (a) A duly authorized attorney at law acting in the usual course of his profession....
California Insurance Code Section 12141
Except where the context otherwise requires, the terms used in this part shall be given the meanings set forth in this chapter, but such meaning...
California Insurance Code Section 12142
(a) Except as provided in subdivision (b), a motor club is a person, directly or indirectly engaged, either as principal or agent, in selling or...
California Insurance Code Section 12142.5
The commissioner shall adopt reasonable rules and regulations specifying the types of miscellaneous service permitted under subdivision (d) of Section 12140 and subdivision (b) of...
California Insurance Code Section 12143
A club agent is a person other than the motor club itself, who acts or aids in any manner in the solicitation, delivery, or negotiation...
California Insurance Code Section 12144
Motor club service is the rendering or procuring of, or reimbursement for, any of the services defined in this chapter to any person in connection...
California Insurance Code Section 12145
Towing service is the drafting or moving by a motor club of a motor vehicle from one place to another under other power than its
California Insurance Code Section 12146
Emergency road service is the adjustment, repair or replacement by a motor club of the equipment, tires or mechanical parts of a motor vehicle so...
California Insurance Code Section 12147
Bail bond service is the furnishing or procuring by a motor club of a cash deposit or undertaking required by law in order that a...
California Insurance Code Section 12148
Discount service is an arrangement by a motor club resulting in giving special discounts, rebates or reductions of price on gasoline, oil, repairs, insurance, parts,...
California Insurance Code Section 12149
Financial service is an arrangement by a motor club whereby loans or other advances of money are made to holders of service contracts with any...
California Insurance Code Section 12150
(a) Buying and selling service is an arrangement by a motor club whereby the holder of a service contract with a motor club is aided...
California Insurance Code Section 12151
Theft service is an act by a motor club for the purpose of locating, identifying or recovering a stolen or missing motor vehicle owned or...
California Insurance Code Section 12152
Map service is the furnishing by a motor club of road maps without cost to holders of service contracts with any such club.
California Insurance Code Section 12153
Travel service is the furnishing by a motor club of touring and travel aids and assistance, and may include any or all of the following:...
California Insurance Code Section 12154
Claim adjustment service is an act by a motor club for the purpose of adjusting claims on behalf of the holder of a service contract...
California Insurance Code Section 12155
License service is the rendering of assistance by a motor club to any person in obtaining: (a) Registration of a motor vehicle with the State....
California Insurance Code Section 12156
Insurance service is the selling or giving, with a service contract or as a result of membership in or affiliation with a motor club, of...
California Insurance Code Section 12157
Any act by a motor club for the purpose of rendering a service defined in this chapter constitutes such service, whether or not the service...
California Insurance Code Section 12158
A service contract is a written agreement whereby any person promises for a consideration to render, furnish or procure motor club service for any other
California Insurance Code Section 12159
Miscellaneous service means any other service which may be furnished and which augments or is incidental to any service performed by the club as authorized...
California Insurance Code Section 12160
(a) A person shall not render or agree to render motor club service in this state without first obtaining from the commissioner a certificate of...
California Insurance Code Section 12161
Application for a certificate of authority shall be made on a form prescribed by the commissioner, accompanied by a filing fee of two thousand sixty-five...
California Insurance Code Section 12162
The commissioner shall not issue a certificate of authority to any motor club until: (a) It files with him the following: 1. A formal application...
California Insurance Code Section 12162.5
All motor clubs applying for a certificate of authority to act as a motor club in this state shall demonstrate to the satisfaction of the...
California Insurance Code Section 12162.6
(a) A motor club holding a certificate of authority to act as a motor club granted prior to January 1, 1992, may continue to retain...
California Insurance Code Section 12162.7
For purposes of this article, "liquid assets" means cash, cash equivalents, and marketable securities readily convertible into cash. Liquid assets also include bonds, stocks, certificates...
California Insurance Code Section 12162.8
If any portion of the audit report required by paragraph (1) of subdivision (b) of Section 12162.6 includes a qualified opinion as to the financial...
California Insurance Code Section 12163
(a) The security required by subdivision (b) of Section 12162 shall thereafter be continuously maintained by a motor club in one of the forms prescribed....
California Insurance Code Section 12164
(a) The commissioner may revoke or suspend the certificate of authority of a motor club whenever, after a hearing in accordance with the procedure provided...
California Insurance Code Section 12165
Subject to the annual fee provisions herein, every certificate of authority issued or held under this part shall be for an indefinite term and, unless...
California Insurance Code Section 12166
Notwithstanding the preceding provisions for a certificate of authority of indefinite term, each holder of a certificate of authority under this chapter shall owe and...
California Insurance Code Section 12167
Qualification of a motor club for a certificate of authority under this part does not require prior qualification with the Secretary of State under the...
California Insurance Code Section 12168
Annually on or before March 1st of each year, copies of any instruments making any changes in articles of incorporation, bylaws, and membership certificate or...
California Insurance Code Section 12169
(a) Whenever the commissioner has reasonable cause to believe that a motor club is insolvent or is transacting its business in a fraudulent manner, he...
California Insurance Code Section 12170
Motor clubs certificated on the effective date of this chapter shall not be required to be recertificated, but thereafter shall be subject to the provisions...
California Insurance Code Section 12250
A service contract shall not be executed, issued or delivered in this State until the form thereof is approved in writing by the commissioner.
California Insurance Code Section 12251
Every service contract executed, issued or delivered in this State shall be made in duplicate and shall be dated and signed by the motor club...
California Insurance Code Section 12252
A service contract shall not be executed, issued or delivered in this State unless it contains the following: (a) The exact corporate or other name...
California Insurance Code Section 12253
A person shall not solicit or aid in the solicitation of another person to purchase a service contract issued by a club not having a...
California Insurance Code Section 12254
A club or an officer or agent thereof shall not in any manner misrepresent the terms, benefits or privileges of any service contract issued or...
California Insurance Code Section 12255
Any service contract made, issued or delivered contrary to any provision of this part shall nevertheless be valid and binding on the club.
California Insurance Code Section 12256
Any motor club may elect not to execute, issue, or deliver service contracts in this state. A club may distribute brochures, prospectuses, or advertisements which...
California Insurance Code Section 12280
A club agent doing business in this State shall not execute, issue or deliver any service contract to any person owning or operating motor vehicles...
California Insurance Code Section 12280.2
The fee for filing application for license as motor club agent is the same as that for filing application for license as insurance agent and...
California Insurance Code Section 12281
Without first obtaining such license, a club agent shall not collect or receive from any person, in advance of the execution, issuance or delivery of...
California Insurance Code Section 12311
Any person violating any provisions of this part is guilty of a misdemeanor.
California Insurance Code Section 12340
The definitions set forth in this article shall govern the construction of the terms used in this chapter, but shall not affect any other provisions...
California Insurance Code Section 12340.1
"Title insurance" means insuring, guaranteeing or indemnifying owners of real or personal property or the holders of liens or encumbrances thereon or others interested therein...
California Insurance Code Section 12340.2
"Title policy" means any written instrument or contract by means of which title insurance liability is assumed.
California Insurance Code Section 12340.3
"Business of title insurance" includes: (a) Issuing or proposing to issue any title policy as insurer, guarantor, or indemnitor; (b) Transacting or proposing to transact...
California Insurance Code Section 12340.4
"Title insurer" means any company issuing title policies as insurer, guarantor or indemnitor. "Domestic title insurer" means any title insurer organized under the laws of...
California Insurance Code Section 12340.5
"Underwritten title company" means any corporation engaged in the business of preparing title searches, title examinations, title reports, certificates or abstracts of title upon the...
California Insurance Code Section 12340.6
(a) "Controlled escrow company" means any person, other than a title insurer or underwritten title company, whose principal business is the handling of escrows of...
California Insurance Code Section 12340.7
Except as provided in Section 12401.8, and excluding miscellaneous charges, "rate" or "rates" means the charge or charges, whether denominated premium or otherwise, made to...
California Insurance Code Section 12340.8
"Advisory organization" means every person or entity (other than a title insurer, underwritten title company, or controlled escrow company) which recommends or prepares policy forms...
California Insurance Code Section 12340.9
"Willful" or "willfully" in relation to an act or omission which constitutes a violation of this chapter means with actual knowledge or belief that such...
California Insurance Code Section 12340.10
"Abstract of title" is a written representation, provided pursuant to a contract, whether written or oral, intended to be relied upon by the person who...
California Insurance Code Section 12340.11
"Preliminary report", "commitment", or "binder" are reports furnished in connection with an application for title insurance and are offers to issue a title policy subject...
California Insurance Code Section 12342
For purposes of this chapter, "holders of liens or encumbrances" includes, but is not limited to, the institutional third parties described in Sections 1452 and...
California Insurance Code Section 12350
Every title insurer, before issuing any policy, shall deposit $100,000 with the Insurance Commissioner or other designated official of its home State as a "guarantee...
California Insurance Code Section 12351
Any such deposit may be made either in lawful money of the United States or in any of the securities, other than collateral trust bonds...
California Insurance Code Section 12352
If the deposit is made in this state, it shall first be approved by the commissioner who shall make a special deposit thereof in the...
California Insurance Code Section 12353
Except as provided in section 12355, assets in such deposits in this State may, with the approval of the commissioner, be withdrawn or exchanged from...
California Insurance Code Section 12354
As long as the depositing insurer continues solvent, it shall receive the interest and dividends on any assets in the deposit.
California Insurance Code Section 12355
Except on withdrawal of the insurer from this State, or substitution pursuant to section 12353, assets in the deposit in this State shall be subject...
California Insurance Code Section 12356
When any part of the assets to be deposited in this State consists of mortgage-secured notes or bonds, or loans upon real property secured by...
California Insurance Code Section 12357
Unless the mortgage is covered by mortgage insurance, the value of the property covered by each such mortgage constituting all or part of such deposit...
California Insurance Code Section 12358
The reasonable cost of examining such evidence of title and of making such appraisement, shall be paid by the title insurer making the deposit.
California Insurance Code Section 12359
A title insurer shall not transact any insurance in this state unless it has paid-in capital represented by shares of stock of at least five...
California Insurance Code Section 12360
An insurer which anywhere in the United States transacts any class of insurance other than title insurance is not eligible for the issuance of a...
California Insurance Code Section 12370
Every title insurer shall annually set apart a sum equal to 10 percent of its premiums collected during the year. Such sums shall be allowed...
California Insurance Code Section 12371
The title insurance surplus fund shall be maintained as a further security to holders and beneficiaries of the title policies issued by the insurer. If...
California Insurance Code Section 12372
Any such domestic insurer, after having its required capital paid in and depositing its required guarantee fund with the State Treasurer, may invest its funds...
California Insurance Code Section 12372.5
Notwithstanding the provisions of Section 12372, where a title plant is not being currently maintained, the asset value of such plant shall not exceed its...
California Insurance Code Section 12373
A title insurer shall not make any dividends except from profits remaining on hand after retaining unimpaired assets aggregating in value an amount equal to...
California Insurance Code Section 12374
Except as otherwise authorized by subdivision (g) of Section 1105, a title insurer shall not directly or indirectly make a loan from its assets to...
California Insurance Code Section 12375
Whenever a title insurer, upon withdrawing from insurance business in this State, desires to reinsure its policies with a title insurer whose "title insurance surplus...
California Insurance Code Section 12376
(a) If an underwritten title company is placed into bankruptcy, receivership, or conservation by the commissioner, each title insurer operating under an underwriting agreement with...
California Insurance Code Section 12377
(a) All escrow funds received by an underwritten title company that are subject to Section 12413.5 shall not be considered part of the estate of...
California Insurance Code Section 12380
Unless the provision or context otherwise requires, the following definitions govern the construction of this article: (a) "Total charges for policies of title insurance" means...
California Insurance Code Section 12381
Every domestic title insurer shall, in addition to other reserves, establish and maintain a reserve to be known as the "unearned premium reserve" for title...
California Insurance Code Section 12382
The unearned premium reserve of every title insurer shall consist of: (a) Such amount as would have been required to be set aside in said...
California Insurance Code Section 12382.2
(a) Out of total charges for policies of title insurance, a title insurer shall add to and set aside in its unearned premium reserve commencing...
California Insurance Code Section 12382.3
The aggregate amount set aside in the unearned premium reserve shall be separately recorded and reserved in respect to such policies and contracts issued in...
California Insurance Code Section 12382.4
For the purpose of determining the amounts of the unearned premium reserve that may be withdrawn pursuant to Section 12382.5 and the interest of the...
California Insurance Code Section 12382.5
(a) The aggregate of the amounts set aside in unearned premium reserve in any calendar year pursuant to subdivision (a) of Section 12382.2 shall be...
California Insurance Code Section 12382.6
If substantially the entire outstanding liability under all policies and contracts of title insurance or reinsurance of any ceding company shall be reinsured, pursuant to...
California Insurance Code Section 12383
All amounts set aside in the unearned premium reserve of a title insurer shall be held either as cash on hand or shall be deposited...
California Insurance Code Section 12384
If the aggregate amount set aside by a title insurer in its unearned premium reserve should at any time be less than the amount required...
California Insurance Code Section 12385
If a title insurer shall at any time become insolvent, be in the process of liquidation or dissolution or be in the possession of the...
California Insurance Code Section 12386
In the event that reinsurance is not obtained, as authorized by Section 12385, the unearned premium reserve and assets constituting the guarantee fund of the...
California Insurance Code Section 12387
Where a title insurer organized or incorporated under the laws of any state other than California does business in California, if the laws of the...
California Insurance Code Section 12388
Every title insurer shall, in addition to other reserves establish and maintain a reserve to be known as the "reserve for unpaid losses and loss...
California Insurance Code Section 12389
(a) An underwritten title company as defined in Section 12340.5, which shall be a stock corporation, may engage in the business of preparing title searches,...
California Insurance Code Section 12389.1
Before granting a license or a reissued license to act as an underwritten title company to any applicant, the commissioner shall consider the qualifications of...
California Insurance Code Section 12389.2
After the issuance or reissuance of a license to act as an underwritten title company, the holder shall continue to comply with the requirements as...
California Insurance Code Section 12389.3
When there exists a restriction in a stock certificate requiring the consent of the department prior to the transfer of the stock, the request for...
California Insurance Code Section 12389.4
An underwritten title company shall furnish a quarterly financial statement to the commissioner on forms prescribed by the commissioner on or before 30 days after...
California Insurance Code Section 12389.5
Every person engaged in the business of preparing title searches, title examinations, title reports, and certificates of abstracts of title, upon which a title insurer...
California Insurance Code Section 12389.6
(a) Prior to the disbursement by an underwritten title company from any escrow account under Section 12413.1, each underwriting agreement between the underwritten title company...
California Insurance Code Section 12390
Every domestic title insurer may issue title policies and may also insure: (a) The identity, due execution, and validity of any note or bond secured...
California Insurance Code Section 12391
Such insurer also may: (a) Act as registrar or transfer agent of this State, or of any political subdivision or district therein, or of any...
California Insurance Code Section 12394
A title insurer, as to its title insurance department, shall be subject to and shall comply with all the requirements of the insurance laws and...
California Insurance Code Section 12396
(a) For purposes of this article, "controlled business source" means an affiliate, as defined in subdivision (a) of Section 1215, of any title insurer, controlled...
California Insurance Code Section 12397
Any applicant for a license shall indicate the applicant's intent to actively compete in the marketplace for title insurance in each county in which the...
California Insurance Code Section 12397.5
(a) Each licensee shall make submissions as are required by the Department of Insurance to enable the department to determine the nature and extent of...
California Insurance Code Section 12398
The failure of an applicant or licensee to comply with any of the requirements of this article shall be grounds for the denial of an...
California Insurance Code Section 12399
Nothing in this article shall limit or preclude the consideration or approval of an application for a license, except as expressly provided in this article.
California Insurance Code Section 12400
The provisions of subdivision (f) of Section 381, and the provisions of Sections 382, 383, 383.5, 386, 481, 750, 751, 752, 755, 755.5, 756, 757,...
California Insurance Code Section 12400.1
Article 5.6 (commencing with Section 1875.20) of Chapter 12 of Part 2 of Division 1 does not apply to title insurers.
California Insurance Code Section 12400.5
A title insurance company or underwritten title company engaged in the business of title insurance, as defined in Section 12340.3, shall not be deemed to...
California Insurance Code Section 12401
The purpose of this article is to promote the public welfare by regulating rates for the business of title insurance as herein provided to the...
California Insurance Code Section 12401.1
Every title insurer, underwritten title company, and controlled escrow company shall file with the commissioner its schedules of rates, all regularly issued forms of title...
California Insurance Code Section 12401.2
Every title insurer, underwritten title company and controlled escrow company shall establish basic classifications of coverages and services to be used as the basis for...
California Insurance Code Section 12401.3
The following standards shall apply to the making and use of rates pertaining to all the business of title insurance to which the provisions of...
California Insurance Code Section 12401.4
In order to further uniform administration of rate regulatory laws, the commissioner and every person or entity in the business of title insurance and every...
California Insurance Code Section 12401.5
As a further aid to uniform administration of rate regulatory laws of this state, the commissioner may prescribe by reasonable rules and regulations: (a) For...
California Insurance Code Section 12401.6
Nothing in this article shall be construed to prohibit concert of action between entities under the same general management and control.
California Insurance Code Section 12401.7
No title insurer, underwritten title company or controlled escrow company shall use any rate in the business of title insurance prior to its effective date...
California Insurance Code Section 12401.71
(a) Notwithstanding Sections 12401.1 and 12401.7, a title insurer, underwritten title company, or controlled escrow company may use a new rate prior to 30 days...
California Insurance Code Section 12401.8
Charges in excess of those set forth in a rate filing which has become effective may be made when such filing includes a statement that...
California Insurance Code Section 12401.9
The schedules of rates which are required to be filed with the commissioner under the provisions of Section 12401.1 shall be printed or typed in...
California Insurance Code Section 12401.10
Nothing in this article shall require the filing of rates by title insurers for reinsurance contracts or agreements or policies of excess coinsurance.
California Insurance Code Section 12402
No advisory organization shall conduct its operations in this state without first filing with the commissioner: (a) a copy of its constitution, articles of agreement...
California Insurance Code Section 12402.1
Every advisory organization shall adopt bylaws or rules and regulations which will: (a) Permit any person or entity in the business of title insurance in...
California Insurance Code Section 12402.2
No bylaw or rule or regulation required by Section 12402.1 shall be effective until filed with the commissioner.
California Insurance Code Section 12404
(a) It is unlawful for any title insurer, underwritten title company or controlled escrow company to pay, directly or indirectly, any commission, compensation, or other...
California Insurance Code Section 12404.1
The furnishing of a preliminary report by any title insurer, controlled escrow company or underwritten title company, without charge to any person, shall constitute a...
California Insurance Code Section 12404.5
As used in this section "personal or controlled insurance" means a policy of title insurance, or insurance as to the identity, due execution and validity...
California Insurance Code Section 12405
No title insurer, no controlled escrow company, and no underwritten title company shall make any rebate of any portion of the fee or charge shown...
California Insurance Code Section 12405.7
In addition to other acts prohibited by this article, no controlled escrow company or title insurer or other person engaged in the business of selling...
California Insurance Code Section 12406
No title insurer shall issue any title policy in any transaction in connection with which it or any person which is a controlled escrow company...
California Insurance Code Section 12406.5
(a) The commissioner shall develop, publish, and disseminate a brochure for consumers who are required to buy title insurance as part of a residential real...
California Insurance Code Section 12407
The commissioner, if he has reason to believe that any controlled escrow company or any underwritten title company has violated or is violating any of...
California Insurance Code Section 12408
Every title insurer shall include in its annual statement furnished the commissioner pursuant to Article 10 (commencing with Section 900), Chapter 1, Part 2, Division...
California Insurance Code Section 12408.1
Whenever a title insurer terminates its underwriting agreement with any underwritten title company, it shall at the same time give notice of the termination to...
California Insurance Code Section 12408.5
(a) Notwithstanding any other provision of this article no title insurer, no controlled escrow company, and no underwritten title company shall pay any commission for...
California Insurance Code Section 12409
(a) Every title insurer, controlled escrow company, and underwritten title company which pays any commission or which makes any unlawful rebate in violation of this...
California Insurance Code Section 12410
In enforcing any of the provisions of this article, the commissioner shall be entitled to the remedies provided for in Section 12928.6 of this code.
California Insurance Code Section 12411
The commissioner may after a hearing suspend or revoke the certificate of authority of any title insurer or the license of any underwritten title company...
California Insurance Code Section 12412
Nothing in this article prohibits the division of fees or charges, for work and services actually performed, between title insurers or between title insurers and...
California Insurance Code Section 12413.1
No title insurance company, controlled escrow company, or underwritten title company shall disburse funds from an escrow account until the day established by the following:...
California Insurance Code Section 12413.2
Any item or draft received by a title insurance company, controlled escrow company, or underwritten title company in connection with any escrow shall be deposited...
California Insurance Code Section 12413.5
All funds received in connection with any escrow conducted by a title insurance company, controlled escrow company, or underwritten title company shall be deposited in...
California Insurance Code Section 12414.13
Any person aggrieved by any rate charged, rating plan or rating system followed or adopted by a title insurer, underwritten title company, or controlled escrow...
California Insurance Code Section 12414.14
If after examination of a title insurer, an underwritten title company, or a controlled escrow company, or upon the basis of other information, or upon...
California Insurance Code Section 12414.15
If the commissioner has good cause to believe such noncompliance to be willful, or if within the period prescribed by the commissioner in the notice...
California Insurance Code Section 12414.16
If after a hearing pursuant to Section 12414.15 the commissioner finds: (a) That any rate, rating plan or rating system violates the provisions of Article...
California Insurance Code Section 12414.17
In addition to other penalties provided in this code, the commissioner may suspend or revoke, in whole or in part, the authority of any person...
California Insurance Code Section 12414.18
Except as otherwise provided in this chapter, all proceedings in connection with the denial, suspension, or revocation of a license or certificate of authority under...
California Insurance Code Section 12414.19
Any finding, determination, rule, ruling, or order made by the commissioner under Article 5.5 (commencing with Section 12401), Article 5.7 (commencing with Section 12402), Article...
California Insurance Code Section 12414.20
The commissioner may, as often as may be reasonable and necessary, make or cause to be made an examination of any advisory organization for the...
California Insurance Code Section 12414.21
The commissioner may, pursuant to reasonable rules and regulations which he shall prescribe, make or cause to be made an examination of every title insurer,...
California Insurance Code Section 12414.22
The officers, managers, agents, and employees of any advisory organization, title insurer, underwritten title company, or controlled escrow company may be examined at any time...
California Insurance Code Section 12414.23
The reasonable cost of any examination authorized by this article shall be paid by the advisory organization, title insurer, underwritten title company, or controlled escrow...
California Insurance Code Section 12414.24
No person, title insurer, underwritten title company, controlled escrow company, or advisory organization shall willfully withhold information from, or knowingly give false or misleading information...
California Insurance Code Section 12414.25
(a) Any person, title insurer, underwritten title company, or controlled escrow company who fails to comply with a final order of the commissioner under this...
California Insurance Code Section 12414.26
No act done, action taken, or agreement made pursuant to the authority conferred by Article 5.5 (commencing with Section 12401) or Article 5.7 (commencing with...
California Insurance Code Section 12414.27
Commencing 120 days following January 1, 1974, no title insurer, underwritten title company or controlled escrow company shall charge for any title policy or service...
California Insurance Code Section 12414.28
All title policies issued by title insurers shall be subscribed by the president or a vice president and by the secretary or an assistant secretary...
California Insurance Code Section 12414.29
The administration and enforcement of Article 5.5 (commencing with Section 12401) and Article 5.7 (commencing with Section 12402) of this chapter shall be governed solely...
California Insurance Code Section 12414.30
(a) When constituting an offer to issue an owner's policy of title insurance, a preliminary report shall incorporate the following statement, in bold print on...
California Insurance Code Section 12414.31
(a) (1) Whenever the commissioner takes any formal enforcement or disciplinary action directly against an employee of a title insurer, underwritten title company, or controlled...
California Insurance Code Section 12415
It is the intent of the Legislature that certificated title insurers and licensed underwritten title companies, as defined in Section 12340.5 shall pay to the...
California Insurance Code Section 12416
Each certificated title insurer possessing a certificate of authority of indefinite term pursuant to Section 701 shall owe and pay an annual renewal fee of...
California Insurance Code Section 12417
The annual renewal fee provided by this article is not a tax but a charge for services to be rendered.
California Insurance Code Section 12418
(a) No person shall be employed as a title marketing representative in this state unless the person holds a valid "certificate of registration" as a...
California Insurance Code Section 12418.1
(a) A certificate of registration as a title marketing representative shall be applied for and renewed by filing with the commissioner a written application. The...
California Insurance Code Section 12418.2
(a) An applicant or holder of a certificate of registration as a title marketing representative is not required to pass a qualifying examination, and is...
California Insurance Code Section 12418.3
(a) Each certificate of registration issued under this article shall be for a three-year period beginning on the date the certificate is issued. (b) Not...
California Insurance Code Section 12418.4
(a) The provisions set forth in Sections 1667, 1668, 1669, 1670, 1738, 1738.5, 1743, and in Article 6 (commencing with Section 12404), shall apply to...
California Insurance Code Section 12640.01
This chapter may be cited as the Mortgage Guaranty Insurance Act.
California Insurance Code Section 12640.02
The definitions set forth in this article shall govern the construction of the terms used in this chapter but shall not affect any other provisions...
California Insurance Code Section 12640.03
An insurer shall not transact the business of mortgage guaranty insurance unless it has paid-in capital of at least one million dollars ($1,000,000) and paid-in...
California Insurance Code Section 12640.04
(a) In addition to the paid-in capital and surplus provided in Section 12640.03, each mortgage guaranty insurer shall establish a contingency reserve after establishment of...
California Insurance Code Section 12640.05
(a) A mortgage guaranty insurer shall maintain a policyholders surplus in an amount not less than the amount required by this section. The policyholders surplus...
California Insurance Code Section 12640.06
A mortgage guaranty insurer shall not declare any dividends except from undivided profits remaining on hand over and above the aggregate of its paid-in capital,...
California Insurance Code Section 12640.07
(a) Mortgage guaranty insurance may be transacted in this state only by a stock or mutual casualty insurer holding a certificate of authority for the...
California Insurance Code Section 12640.08
A mortgage guaranty insurer shall not insure loans secured by properties in a single housing tract or a contiguous tract in excess of ten (10)...
California Insurance Code Section 12640.09
(a) A mortgage guaranty insurer shall limit its coverage for the class of insurance defined in paragraph (3) of subdivision (a) of Section 12640.02 to...
California Insurance Code Section 12640.091
(a) In order to qualify as a segregated trust under subdivision (d) of Section 12640.09, a trust shall meet all of the following requirements: (1)...
California Insurance Code Section 12640.095
A mortgage guaranty insurer transacting the class of insurance defined in paragraph (2) of subdivision (a) of Section 12640.02 may reinsure with either the type...
California Insurance Code Section 12640.10
(a) An insurer which anywhere transacts any class of insurance other than mortgage guaranty insurance defined in paragraphs (1), (3) and (4) of subdivision (a)...
California Insurance Code Section 12640.11
(a) Nothing in this chapter (commencing with Section 12640.01) shall be construed as limiting the right of any mortgage guaranty insurer to impose reasonable requirements...
California Insurance Code Section 12640.12
Every mortgage guaranty insurer shall adopt, print and make available a schedule of premium charges for mortgage guaranty insurance policies. The schedule shall show the...
California Insurance Code Section 12640.13
(a) No mortgage guaranty insurer shall pay to any person who is acting as agent, representative, attorney or employee of the owner, mortgagee of the...
California Insurance Code Section 12640.14
No mortgage guaranty insurer shall make any rebate of any portion of the premium charge shown by the schedule required by Section 12640.12. No mortgage...
California Insurance Code Section 12640.145
No mortgage guaranty insurer shall pay any compensation to any person for transacting insurance for or with it based in whole or in part upon...
California Insurance Code Section 12640.15
The commissioner may after a hearing suspend or revoke the certificate of authority of any mortgage guaranty insurer which, after 10 days written notice from...
California Insurance Code Section 12640.16
(a) The provisions of Article 10 (commencing with Section 900), Chapter 1, Part 2, Division 1, relating to financial statements, shall apply to mortgage guaranty...
California Insurance Code Section 12640.17
All the applicable provisions of this code and of other statutes of this state, except as the same may be in conflict herewith, shall apply...
California Insurance Code Section 12640.18
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...
California Insurance Code Section 12640.19
No bank, savings and loan association or insurance company, any of whose authorized real estate securities are insured by mortgage guaranty insurance pursuant to this...
California Insurance Code Section 12640.20
The commissioner shall collect in advance a fee of four hundred seventy-two dollars ($472) from each mortgage guaranty insurer for the examination and analysis of...
California Insurance Code Section 12660
Any person who in this state engages in the business of guaranteeing or insuring land values, or who solicits or negotiates in this state for...
California Insurance Code Section 12661
The commissioner may suspend or revoke or may deny any license or certificate issued under any provision of this code in any case where the...
California Insurance Code Section 12670
It is the intent of the Legislature to ensure that persons covered by a group policy, who become ineligible for that coverage have access to...
California Insurance Code Section 12671
As used in this part, the following terms have the following meanings: (a) "Group policy" means a group health insurance policy providing medical, hospital, surgical,...
California Insurance Code Section 12672
Any group policy issued, amended, or renewed in this state on or after January 1, 1983, which provides insurance for employees or members on an...
California Insurance Code Section 12673
Conversion coverage shall be required to be made available to an employee or member unless such coverage under the group policy terminates for one or...
California Insurance Code Section 12674
A converted policy shall be issued effective on the day following the termination of coverage under the group policy if written application and the first...
California Insurance Code Section 12675
The premium for the conversion coverage shall be determined in accordance with the insurer's rates applicable to the age and class of risk of each...
California Insurance Code Section 12676
The conversion coverage shall cover the employee or member and his or her dependents who were covered by the group policy on the date of...
California Insurance Code Section 12677
The insurer shall not be required to issue a converted policy covering any person if such person is entitled to be covered by Medicare.
California Insurance Code Section 12678
The insurer shall not be required to issue a converted policy covering any person if any of the following exists: (a) The person is covered...
California Insurance Code Section 12679
A converted policy may provide that the insurer may at any time request information from any person covered thereunder as to whether he or she...
California Insurance Code Section 12680
If conversion coverage is issued and benefits are also provided to a person under Section 12678, the insurer may limit the conversion benefits provided or...
California Insurance Code Section 12681
An insurer shall not be required to issue a converted policy providing benefits in excess of those provided under the group policy from which conversion...
California Insurance Code Section 12682
The converted policy shall not exclude, as a preexisting condition, any condition covered by the group policy. The converted policy may provide for a reduction...
California Insurance Code Section 12682.1
This section does not apply to a policy that primarily or solely supplements Medicare. The commissioner may adopt rules consistent with federal law to govern...
California Insurance Code Section 12683
Subject to the provisions and conditions of this part, if the group policy from which conversion is made covers the employee or member for basic...
California Insurance Code Section 12684
Subject to the provisions and conditions of this part, if the group policy from which conversion is made provides the employee or member with major...
California Insurance Code Section 12685
The insurer may, at its option, offer alternative plans for group health conversion in addition to those required by this part.
California Insurance Code Section 12686
(a) In the event coverage would be continued under a group policy on an employee or member following his or her retirement prior to the...
California Insurance Code Section 12687
Notwithstanding any other provision in this part, whenever an employee or member chooses among two or more conversion policies, such choice shall be made within...
California Insurance Code Section 12688
Notwithstanding any provision in this part to the contrary, a hospital service corporation or any insurer which customarily offers individual conversion coverage on a service...
California Insurance Code Section 12689
A notification of the conversion coverage shall be included in each certificate of coverage or other legally required document explaining coverage; provided, however, that it...
California Insurance Code Section 12690
Nothing in this part shall prohibit insurers from establishing one or more pools from which the converted policies provided for on this part may be
California Insurance Code Section 12691
A converted policy which is delivered in a jurisdiction other than this state may be in a form which could be delivered in such jurisdiction...
California Insurance Code Section 12692
On and after January 1, 1985, every insurer and nonprofit hospital service plan issuing group disability insurance which covers hospital, medical, or surgical expenses shall...
California Insurance Code Section 12692.5
Notwithstanding any other provision of this part, Sections 12672, 12673, 12674, 12675, 12676, 12677, 12678, 12679, 12680, 12681, 12682, 12683, 12684, 12685, 12686, 12687, 12688,...
California Insurance Code Section 12693
The Legislature declares all of the following: (a) Approximately 1.6 million California children, 17 percent of children ages 17 and under, have no health insurance....
California Insurance Code Section 12693.01
For purposes of this part, the definitions contained in this chapter shall govern the construction of this part, unless the context requires otherwise.
California Insurance Code Section 12693.02
(a) "Applicant" means a person over the age of 18 years who is a natural or adoptive parent; a legal guardian; or a caretaker relative,...
California Insurance Code Section 12693.03
"Board" means the Managed Risk Medical Insurance Board.
California Insurance Code Section 12693.04
"Child" means a person who is under 19 years of age who is eligible for the program pursuant to Chapter 9 (commencing with Section 12693.70).
California Insurance Code Section 12693.045
"Community provider plan" means that participating health plan in each geographic area that has been designated by the board as having the highest percentage of...
California Insurance Code Section 12693.05
"County organized health system" means a health care organization that contracts with the State Department of Health Services to provide comprehensive health care to all...
California Insurance Code Section 12693.06
"Family contribution" means the cost to an applicant to enable herself or himself or an eligible child or children to enroll in and participate in...
California Insurance Code Section 12693.065
"Family value package" means the combination of participating health, dental, and vision plans available to subscribers in each geographic area offering the lowest prices to...
California Insurance Code Section 12693.07
"Fund" means the Healthy Families Fund.
California Insurance Code Section 12693.08
"Local initiative" means a prepaid health plan that is organized by, or designated by, a county government or county governments, or organized by stakeholders, of...
California Insurance Code Section 12693.09
"Participating dental plan" means any of the following plans that is lawfully engaged in providing, arranging, paying for, or reimbursing the cost of personal dental...
California Insurance Code Section 12693.10
"Participating health plan" means any of the following plans that is lawfully engaged in providing, arranging, paying for, or reimbursing the cost of personal health...
California Insurance Code Section 12693.105
A health care service plan, as defined in subdivision (b) of Section 12693.10, shall include a plan operating as a geographic managed care plan.
California Insurance Code Section 12693.11
"Participating vision care plan" means any of the following plans that is lawfully engaged in providing, arranging, paying for, or reimbursing the cost of personal...
California Insurance Code Section 12693.12
"Program" means the Healthy Families Program, which includes a purchasing pool providing health coverage for children in families without access to affordable employer based dependent...
California Insurance Code Section 12693.13
"Purchasing credit member" means an applicant 18 years of age or a child who is eligible for and participates in the purchasing credit component of...
California Insurance Code Section 12693.14
"Subscriber" means an applicant 18 years of age or a child who is eligible for and participates in the purchasing pool component of the program.
California Insurance Code Section 12693.15
"Supplemental coverage" means coverage purchased by the program from (a) a private health insurer holding a valid outstanding certificate of authority from the Insurance Commissioner,...
California Insurance Code Section 12693.16
"Geographic managed care plan" means an entity that is operating pursuant to a contract entered into under Article 2.91 (commencing with Section 14089) of Chapter...
California Insurance Code Section 12693.17
"Family contribution sponsor" means a person or entity that pays the family contribution on behalf of an applicant for any period of 12 consecutive months...
California Insurance Code Section 12693.20
The Healthy Families Program is hereby created and shall be administered by the Managed Risk Medical Insurance Board.
California Insurance Code Section 12693.21
The board may do all of the following consistent with the standards in this part: (a) Determine eligibility criteria for the program. (b) Determine the...
California Insurance Code Section 12693.22
During the 2009-10 and 2010-11 fiscal years, the adoption and readoption of regulations to modify health, dental, and vision benefits or otherwise modify program requirements...
California Insurance Code Section 12693.23
Until July 1, 2012, the adoption and readoption of regulations to implement subdivision (q) of Section 12693.21, subdivision (b) of Section 12693.26, or subdivision (l)...
California Insurance Code Section 12693.25
The board may use a purchasing pool model, issuance of purchasing credits, supplemental coverage, or other means as appropriate to meet the purposes of this
California Insurance Code Section 12693.26
(a) The board shall establish a purchasing pool for coverage of program subscribers to enable applicants without access to affordable and comprehensive employer-sponsored dependent coverage...
California Insurance Code Section 12693.27
(a) The board shall develop a purchasing credit mechanism to enable applicants with access to affordable and comprehensive employer-sponsored dependent coverage to have an eligible...
California Insurance Code Section 12693.271
(a) The Legislature finds and declares that the state faces a fiscal crisis that requires unprecedented measures to reduce General Fund expenditures. (b) Notwithstanding any...
California Insurance Code Section 12693.28
The program shall be administered without regard to gender, gender identity, gender expression, race, creed, color, sexual orientation, health status, disability, or occupation.
California Insurance Code Section 12693.29
(a) The board shall use appropriate and efficient means to notify families of the availability of health coverage from the program. (b) The State Department...
California Insurance Code Section 12693.30
(a) The board shall assure that written enrollment information issued or provided by the program is available to program subscribers and applicants in each of...
California Insurance Code Section 12693.31
No participating health, dental, or vision plan shall, in an area served by the program, directly, or through an employee, agent, or contractor, provide an...
California Insurance Code Section 12693.32
(a) The board may pay designated individuals or organizations an application assistance fee, if the individual or organization assists an applicant to complete the program...
California Insurance Code Section 12693.325
(a) (1) Notwithstanding any provision of this chapter, a participating health, dental, or vision plan that is licensed and in good standing as required by...
California Insurance Code Section 12693.326
Notwithstanding any other provision of this part, a new subscriber in the program shall be allowed to switch his or her choice of plans once...
California Insurance Code Section 12693.33
To the extent feasible and permissible under federal law and with receipt of necessary federal approvals, the State Department of Health Services and the board...
California Insurance Code Section 12693.34
(a) The board may establish geographic areas within which participating health, dental, and vision plans may offer coverage to subscribers. (b) Nothing in this section...
California Insurance Code Section 12693.35
Participating health, dental, and vision plans shall have, but need not be limited to, all of the following operating characteristics satisfactory to the board in...
California Insurance Code Section 12693.36
(a) Notwithstanding any other provision of law, the board shall not be subject to licensure or regulation by the Department of Insurance or the Department...
California Insurance Code Section 12693.37
(a) The board shall contract with a broad range of health plans in an area, if available, to ensure that subscribers have a choice from...
California Insurance Code Section 12693.38
(a) The board shall contract with a sufficient number of dental and vision plans to assure that dental and vision benefits are available to all...
California Insurance Code Section 12693.39
The board shall establish a process for determining which employer-sponsored health plans are eligible to receive a purchasing credit issued by the program. The process...
California Insurance Code Section 12693.40
The board shall contract with health plans to provide coverage supplemental to that provided by an applicant's or applicant' s spouse's employer-sponsored health plan for...
California Insurance Code Section 12693.41
(a) The board shall consult and coordinate with the State Department of Health Services in implementing a preenrollment program into the Healthy Families Program or...
California Insurance Code Section 12693.42
Any purchasing credit issued by the board, or a contractor acting on behalf of the board, pursuant to this part shall have an overall cost...
California Insurance Code Section 12693.43
(a) Applicants applying to the purchasing pool shall agree to pay family contributions, unless the applicant has a family contribution sponsor. Family contribution amounts consist...
California Insurance Code Section 12693.44
(a) The board shall establish family contribution amounts for purchasing credit members that are equivalent to the amounts charged to subscribers participating in the purchasing...
California Insurance Code Section 12693.45
(a) After two consecutive months of nonpayment of family contributions by an applicant, and a reasonable written notice period of no less than 30 days...
California Insurance Code Section 12693.46
The board may prohibit applicants who drop coverage after enrolling in the pool from reenrollment in the program for up to six months.
California Insurance Code Section 12693.47
The program may place a lien on compensation or benefits, recovered or recoverable by a subscriber or applicant from any party or parties responsible for...
California Insurance Code Section 12693.48
The board may adjust payments made to a participating health plan if the board finds that the plan has a significantly disproportionate share of high-...
California Insurance Code Section 12693.49
(a) When an applicant is dissatisfied with any action or inaction of a participating plan in which a subscriber is enrolled through the purchasing pool,...
California Insurance Code Section 12693.50
(a) The board shall consult and coordinate with the State Department of Health Services to implement the Medi-Cal to Healthy Families Accelerated Enrollment program pursuant...
California Insurance Code Section 12693.51
(a) A transfer of enrollment from one participating health plan to another may be made by a subscriber at times and under conditions as may...
California Insurance Code Section 12693.515
(a) Effective July 1, 2004, any subscriber who affirmatively selects, or is assigned by default to, a federally qualified health center, as defined by Section...
California Insurance Code Section 12693.52
The board may negotiate or arrange for stop-loss insurance coverage that limits the program's fiscal responsibility for the total costs of health services provided to...
California Insurance Code Section 12693.53
The board shall develop and utilize appropriate cost containment measures to maximize the coverage offered under the program. Those measures may include limiting the expenditure...
California Insurance Code Section 12693.54
A contract entered pursuant to this part shall be exempt from any provision of law relating to competitive bidding, and shall be exempt from the...
California Insurance Code Section 12693.55
(a) A health care provider who is furnished documentation of a person's enrollment in the program shall not seek reimbursement nor attempt to obtain payment...
California Insurance Code Section 12693.60
(a) Coverage provided to subscribers shall meet the federal coverage requirements in Section 2103 of Title XXI of the Social Security Act. Except as otherwise...
California Insurance Code Section 12693.61
The following provisions apply for subscribers who have been identified by the participating health plans as potentially seriously emotionally disturbed. (a) Participating plans, to the...
California Insurance Code Section 12693.615
(a) The board shall establish the required subscriber copayment levels for specific benefits consistent with the limitations of Section 2103 of Title XXI of the...
California Insurance Code Section 12693.62
Notwithstanding any other provision of law, for a subscriber who is determined by the California Children's Services Program to be eligible for benefits under the...
California Insurance Code Section 12693.63
(a) The board shall determine the dental benefits to be provided to subscribers by the program. These benefits shall be consistent with those provided to...
California Insurance Code Section 12693.64
Notwithstanding any other provision of law, for a subscriber who is determined by the California Children's Services Program to be eligible for benefits under the...
California Insurance Code Section 12693.65
(a) Vision benefits shall be provided to subscribers and shall meet the federal coverage requirements in Section 2103 of Title XXI of the Social Security...
California Insurance Code Section 12693.66
Notwithstanding any other provision of law, for a subscriber who is determined by the California Children's Services Program to be eligible for benefits under the...
California Insurance Code Section 12693.68
The board shall encourage all plans, including those receiving purchasing credits, that provide services under the program to have viable protocols for screening and referring...
California Insurance Code Section 12693.69
A child enrolled in the Healthy Families Program who has a medical condition that is eligible for services pursuant to the California Children's Services Program,...
California Insurance Code Section 12693.70
To be eligible to participate in the program, an applicant shall meet all of the following requirements: (a) Be an applicant applying on behalf of...
California Insurance Code Section 12693.71
(a) The board shall monitor applications to determine whether employers and employees have dropped employer-sponsored dependent coverage in order to participate in the program. (b)...
California Insurance Code Section 12693.72
(a) The board may disapprove an application if it is determined that the children to be covered under the application were covered by an individual...
California Insurance Code Section 12693.73
Notwithstanding any other provision of law, children excluded from coverage under Title XXI of the Social Security Act are not eligible for coverage under the...
California Insurance Code Section 12693.74
Subscribers shall continue to be eligible for the program for a period of 12 months from the month eligibility is established.
California Insurance Code Section 12693.75
(a) The program shall make use of a simple and easy to understand mail-in application process. (b) For children referred pursuant to Section 14005.41 of...
California Insurance Code Section 12693.755
(a) Subject to subdivision (b), commencing four months after the initial federal approval is obtained pursuant to the waiver described in subdivision (b), the board...
California Insurance Code Section 12693.76
(a) Notwithstanding any other provision of law, a child who is a qualified alien as defined in Section 1641 of Title 8 of the United...
California Insurance Code Section 12693.765
(a) Notwithstanding any other provision of law and subject to subdivision (b), a child described in clause (ii) of subparagraph (A) of paragraph (6) of...
California Insurance Code Section 12693.77
(a) The board shall develop safeguards to assure the fiscal integrity of the program. (b) The program shall ensure that subscribers are not eligible for...
California Insurance Code Section 12693.80
The board shall use due diligence in the creation of participation standards for the program that minimize the incentive for employers or applicants to drop...
California Insurance Code Section 12693.81
(a) It shall constitute unfair competition for purposes of Chapter 5 (commencing with Section 17200) of Part 2 of Division 7 of the Business and...
California Insurance Code Section 12693.82
It shall constitute an unfair labor practice contrary to public policy, and enforceable under Section 95 of the Labor Code, for any employer to refer...
California Insurance Code Section 12693.83
(a) It shall constitute an unfair labor practice contrary to public policy and enforceable under Section 95 of the Labor Code for any employer to...
California Insurance Code Section 12693.84
For purposes of Sections 12693.82 and 12693.83, group health coverage includes any group disability insurance policy covering hospital, medical, or surgical expenses, group health care...
California Insurance Code Section 12693.85
Program decisions described in this section may be appealed to the board. If an applicant believes that a written decision on one of the following...
California Insurance Code Section 12693.86
(a) An appeal shall be filed in writing with the executive director within 60 calendar days of the date of the notice of the decision...
California Insurance Code Section 12693.87
(a) Any appellant who files an appeal pursuant to Section 12693.85 shall receive an initial administrative review of the appeal. (b) Administrative reviews of appeals...
California Insurance Code Section 12693.88
In addition to the appeal process established above, the board shall establish a program review process. If a subscriber or purchasing credit member is not...
California Insurance Code Section 12693.89
(a) Administrative hearings of appeals shall be conducted according to the appeal procedures, including pre- and post-hearing procedures, set forth in Article 3 (commencing with...
California Insurance Code Section 12693.90
(a) The board shall appoint a 15-member advisory panel to advise the board, the chair of which may serve as an ex officio, nonvoting member...
California Insurance Code Section 12693.91
(a) The State Department of Health Services, in conjunction with the Managed Risk Medical Insurance Board, the County Medical Services Program board, and the Rural...
California Insurance Code Section 12693.915
(a) It is the intent of the Legislature to utilize fiscal resources in the most prudent and cost-efficient manner and to maximize the use of...
California Insurance Code Section 12693.92
(a) The program shall prepare an annual report in conformance with the requirements of Section 2108 of Title XXI of the Social Security Act (P.L....
California Insurance Code Section 12693.925
(a) The Managed Risk Medical Insurance Board shall report to the Legislature on or before January 30, 2004, the following information with respect to the...
California Insurance Code Section 12693.93
The board shall prepare an evaluation of the program and other state efforts to expand coverage to children in conformance with Section 2108 of Title...
California Insurance Code Section 12693.95
(a) The board in consultation with the Department of Alcohol and Drug Programs shall provide the Legislature by April 15, 1998, a proposal assessing the...
California Insurance Code Section 12693.96
(a) There is hereby created in the State Treasury the Healthy Families Fund which is, notwithstanding Section 13340 of the Government Code, continuously appropriated to...
California Insurance Code Section 12693.97
The State Department of Health Services and the board may explore and utilize any options available under federal law to allow the use of charitable...
California Insurance Code Section 12693.98
(a) (1) The Medi-Cal-to-Healthy Families Bridge Benefits Program is hereby established to provide any child who meets the criteria set forth in subdivision (b) with...
California Insurance Code Section 12693.98a
(a) (1) The Healthy Families Presumptive Eligibility Program is hereby established to provide any child who meets the criteria set forth in subdivision (b) with...
California Insurance Code Section 12693.981
(a) (1) The Healthy Families-to-Medi-Cal Bridge Benefits Program is hereby established to provide any person enrolled for coverage under this part who meets the criteria...
California Insurance Code Section 12693.982
For purposes of this chapter, "Medi-Cal" means the state health care program established pursuant to Chapter 14 (commencing with Section 14000) of Part 3 of...
California Insurance Code Section 12694
(a) The board and the department, in collaboration with program offices for the California Special Supplemental Food Program for Women, Infants, and Children (WIC or...
California Insurance Code Section 12694.1
(a) Pursuant to Sections 14005.26 and 14005.27 of the Welfare and Institutions Code, subscribers enrolled in the Healthy Families Program pursuant to this part shall,...
California Insurance Code Section 12694.2
All civil service employees who are currently employed by the Managed Risk Medical Insurance Board, whose functions are transferred to the State Department of Health...
California Insurance Code Section 12695
This part shall be known and may be cited as the Access for Infants and Mothers Program.
California Insurance Code Section 12695.02
For purposes of this part, the definitions contained in this article shall govern the construction of this part, unless the context requires otherwise.
California Insurance Code Section 12695.03
"AIM-linked infant" means any infant born to a woman whose enrollment in the Access for Infants and Mothers Program begins after June 30, 2004.
California Insurance Code Section 12695.06
"Applicant" means an individual who applies for coverage through the program.
California Insurance Code Section 12695.08
"Board" means the Managed Risk Medical Insurance Board created pursuant to Section 12710.
California Insurance Code Section 12695.10
"Case management" means the management of all physician services, both primary and specialty, and arrangements for hospitalization, post-discharge care, and followup care.
California Insurance Code Section 12695.12
"Comprehensive primary care services" include, but are not limited to, all of the following: (a) Preventive, screening, diagnostic, and treatment services furnished directly by a...
California Insurance Code Section 12695.14
"Fund" means the Perinatal Insurance Fund.
California Insurance Code Section 12695.16
"Health education services relating to tobacco use" means tobacco use prevention and education services, including, when appropriate, tobacco use cessation services, in accordance with protocols...
California Insurance Code Section 12695.18
"Participating health plan" means any of the following plans that are lawfully engaged in providing, arranging, paying for, or reimbursing the cost of personal health...
California Insurance Code Section 12695.20
"Program" means the Access for Infants and Mothers Program.
California Insurance Code Section 12695.22
"Subscriber" means an individual who is eligible for and enrolled in the program.
California Insurance Code Section 12695.24
"Subscriber contribution" means the cost to the subscriber to participate in the program.
California Insurance Code Section 12696
The board shall administer the program.
California Insurance Code Section 12696.05
The board may do all of the following: (a) Determine eligibility criteria for the program. These criteria shall include the requirements set forth in Section...
California Insurance Code Section 12696.10
The board, in coordination with the Tobacco Control Section of the State Department of Health Services, shall develop protocols relating to health education for tobacco...
California Insurance Code Section 12696.15
The board shall administer the program in a manner that ensures that program expenditures do not exceed amounts available in the fund.
California Insurance Code Section 12696.20
The board shall coordinate with other state agencies, as appropriate, to help ensure continuity of health care services.
California Insurance Code Section 12696.7
(a) The board may contract with a variety of health plans and types of health care service delivery systems in order to offer subscribers a...
California Insurance Code Section 12697
The board may negotiate or arrange for stop-loss insurance coverage that limits the program's fiscal responsibility for the total costs of health services provided to...
California Insurance Code Section 12697.10
The board shall include, within contracts negotiated pursuant to this part, terms regarding the cancellation of the contracts, and may cancel any contract negotiated pursuant...
California Insurance Code Section 12697.15
(a) Each participating health plan contracting with the board pursuant to this part shall provide health education services related to tobacco use to all program...
California Insurance Code Section 12698
To be eligible to parti

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