CALIFORNIA INSURANCE CODE
TABLE OF CONTENTS
GENERAL PROVISIONS ................................................... 1-48
DIVISION 1. GENERAL RULES GOVERNING INSURANCE
PART 1. THE CONTRACT
CHAPTER 1. CLASSES OF INSURANCE ............................... 100-124.5
CHAPTER 1.5. RISK RETENTION ..................................... 125-140
CHAPTER 2. PARTIES, EVENTS, AND INTERESTS
Article 1. Parties to the Contract: Generally ................. 150-151
Article 2. Parties to Contract: Mortgagor and Mortgagee ....... 170-172
Article 3. Events Subject to Insurance ......................... 250-253
Article 4. Insurable Interest: Generally ...................... 280-287
Article 5. Insurable Interest: Effect of Transfer ............. 300-305
CHAPTER 3. NEGOTIATIONS BEFORE EXECUTION
Article 1. Concealment ......................................... 330-339
Article 2. Representation ...................................... 350-361
CHAPTER 4. THE POLICY
Article 1. Definition and Scope ................................ 380-395
Article 2. Types of Policies ................................... 410-413
Article 3. Insurer's Name on Policy ............................. 430
Article 4. Warranties .......................................... 440-449
Article 5. Inception Hours ...................................... 460
CHAPTER 5. THE PREMIUM .......................................... 480-491
CHAPTER 5.2. RENEWAL NOTICES ..................................... 500
CHAPTER 5.3. CONSUMER COMPLAINTS ................................. 510
CHAPTER 5.4. PROOF OF COVERAGE DISCLOSURE ........................ 515
CHAPTER 6. LOSS
Article 1. Transfer of Interest After Loss ...................... 520
Article 2. Causes of Loss .................................... 530-533.7
Article 3. Notice and Proofs of Loss ......................... 550-557.6
Article 4. Payment of Automobile Collision Repairs .............. 560
Article 5. Certain Insurance Covering Real Property ............ 570-572
CHAPTER 7. DOUBLE INSURANCE ..................................... 590-591
CHAPTER 8. REINSURANCE .......................................... 620-623
CHAPTER 9. RESCISSION ........................................... 650-651
CHAPTER 9.5. FILING OF CERTIFICATES .............................. 655
CHAPTER 9.6. REASONS FOR DENIAL OF MOTOR VEHICLE LIABILITY
INSURANCE .......................................... 657-658
CHAPTER 10. CANCELLATION OR FAILURE TO RENEW .................. 660-669.5
CHAPTER 10.1. CERTAIN AUTOMOBILE INSURANCE ....................... 669.7
CHAPTER 10.2. PROHIBITED CANCELLATIONS ........................... 670
CHAPTER 10.25. AUTOMOBILE COLLISION AND COMPREHENSIVE COVERAGE ... 671
CHAPTER 10.27. AVAILABILITY OF COST ESTIMATES .................... 672
CHAPTER 10.3. CANCELLATION OF POLICIES WHEN PREMIUM FINANCED ..... 673
CHAPTER 10.4. PRIOR NOTICE CONCERNING CANCELLATION OR
NONRENEWAL ...................................... 674-674.9
CHAPTER 11. CANCELLATION AND FAILURE TO RENEW CERTAIN PROPERTY
INSURANCE ......................................... 675-679.7
CHAPTER 11.5. DISCLOSURE REQUIREMENTS FOR CERTAIN PROPERTY
INSURANCE .......................................... 679.9
CHAPTER 12. PROHIBITION OF DISCRIMINATORY PRACTICES BY
CERTAIN ADMITTED INSURERS ..................... 679.70-679.73
PART 2. THE BUSINESS OF INSURANCE
CHAPTER 1. GENERAL REGULATIONS
Article 1. Charter Requirements ................................. 680
Article 1.5. Retaliation ..................................... 685-685.4
Article 1.7. Continuity of Management ........................ 688-688.5
Article 2. Capital Structure .................................... 690
Article 3. Certificate of Authority ............................ 699-728
Article 4. Examination by Commissioner ......................... 729-738
Article 4.1. Risk-Based Capital for Insurers ................ 739-739.12
Article 4.5. Special Provisions Regarding Health Coverage .... 740-742.1
Article 4.7. Multiple Employer Welfare Arrangements ..... 742.20-742.435
Article 5. Unlawful Referrals .................................. 750-754
Article 5.1. Unlawful Practices .............................. 755-758.7
Article 5.2. Consumer Protection in Sales of Insurance by or
Through Depository Institutions ................... 759-765
Article 5.3. Agents and Brokers ............................. 769-769.55
Article 5.4. Managing General Agents ..................... 769.80-769.87
Article 5.5. Insurance in Connection With Sales and Loans ...... 770-776
Article 5.7. Free Insurance ................................ 777.1-777.3
Article 5.8. Premium Financing ............................... 778-778.4
Article 5.9. Credit Life and Disability Insurance ......... 779.1-779.36
Article 6. Misrepresentation of Policies ....................... 780-784
Article 6.3. Senior Insurance ............................... 785-789.10
Article 6.5. Unfair Practices ............................... 790-790.15
Article 6.6. Insurance Information and Privacy Protection Act 791-791.28
Article 6.7. Joint Activities ................................ 795-795.7
Article 6.8. Claims Reviewers ............................ 796.01-796.04
Article 6.9. Underwriting of AIDS Risks ..................... 799-799.10
Article 7. Restrictions on Underwriting ........................ 800-804
Article 7.3. Servicing of Insurance Contracts ................... 810
Article 7.5. Restrictions on Compensation of Adjusters ......... 815-816
Article 8. Issue of Securities ................................. 820-860
Article 9. Registration of Insurers' Names ..................... 880-886
Article 10. Financial Statements of Insurers ................. 900-925.4
Article 10.3. Single Risk Limitation ............................ 928
Article 10.5. National Association of Insurance Commissioners .. 930-934
Article 11. Deposit of Securities .............................. 939-956
Article 13. Insolvency ......................................... 980-989
Article 13.3. Obligations of Automobile Insurers and Their
Agents Under Contingent and Retrospective
Compensation Arrangements ...................... 995-995.7
Article 13.5. Disability Insurance Reserves ..................... 997
Article 14. Proceedings in Cases of Insolvency and Delinquency 1010-1062
Article 14.2. California Insurance Guarantee Association .. 1063-1063.16
Article 14.25. Insurance Assessment Bond Fund .......... 1063.50-1063.68
Article 14.26. Workers' Compensation Bond Fund ......... 1063.70-1063.77
Article 14.3. Uniform Liquidation Act ................... 1064.1-1064.12
Article 14.5. Stop Order Power of the Commissioner ....... 1065.1-1065.7
Article 14.7. California Life and Health Insurance
Guarantee Association ....................... 1067-1067.18
Article 14.8. Group Enrollment from Health Care Service
Plans ........................................ 1068-1068.2
Article 15. Withdrawal of Insurers ........................... 1070-1076
Article 15.5. Administrative Supervision .................. 1077-1077.95
Article 16. Approval of Reinsurance Plans .................... 1080-1091
Article 17. Loans and Investments .......................... 1100-1107.1
Article 18. Multiple Insurer Operations ...................... 1110-1113
CHAPTER 2. INCORPORATED INSURERS
Article 1. General ........................................... 1140-1142
Article 2. Restrictions on Activities ........................ 1152-1155
Article 3. General Investments ............................... 1170-1182
Article 3.5. Disclosure of Material Transactions ............. 1185-1187
Article 4. Property Authorized for Excess Funds Investments .. 1190-1202
Article 4.5. Leeway Law ......................................... 1210
Article 4.6. Hedging ......................................... 1211-1212
Article 4.7. Insurance Holding Company System Regulatory
Act .......................................... 1215-1215.16
Article 4.8. Business Transacted with Producer Controlled
Insurer ....................................... 1216-1216.6
Article 5. Life Insurance Policies ........................... 1220-1221
Article 5.5. Life Insurance Policy Loans ................... 1230-1239.5
Article 6. Foreign Investments ............................. 1240-1241.1
Article 7. Valuation of Investments .......................... 1250-1254
Article 8. Reinsurance Transactions ............................. 1260
CHAPTER 3. RECIPROCAL INSURERS
Article 1. General Provisions ................................ 1280-1284
Article 2. Organization of Exchange .......................... 1300-1315
Article 3. Filing of Documents ............................... 1320-1330
Article 4. Certificate of Authority ........................ 1350-1350.5
Article 5. Finances .......................................... 1370-1375
Article 6. Assessment of Insurers ............................ 1390-1402
Article 7. Dividends ............................................ 1420
Article 8. Reports and Examination ........................... 1430-1434
Article 9. Suits ............................................. 1450-1453
Article 10. Policy .............................................. 1470
Article 11. Rebates
Article 12. Agents and Brokers .................................. 1500
Article 13. Penalties ........................................ 1510-1512
Article 14. Tax Provisions ................................... 1530-1531
Article 15. Merger .............................................. 1540
Article 16. Merger of Certain Reciprocal Insurers ............ 1550-1559
Article 17. Conversion of Certain Reciprocal Insurers to
Incorporated Stock Insurers ................... 1560-1560.19
CHAPTER 4. FOREIGN INSURERS
Article 1. Conditions of Doing Business ......................... 1561
Article 2. Alien Insurers .................................... 1580-1599
Article 3. Agent for Service of Process ...................... 1600-1605
Article 4. Actions Against Nonadmitted Insurers .............. 1610-1620
Article 4.5. Unauthorized Insurers False Advertising
Process Act ................................. 1620.1-1620.7
CHAPTER 5. PRODUCTION AGENCIES
Article 1. Definitions ....................................... 1621-1624
Article 2. Comprehensive Definitions ......................... 1625-1630
Article 3. Licensing ......................................... 1631-1651
Article 4. Applications ...................................... 1652-1661
Article 5. Bonds ............................................. 1662-1665
Article 6. License Qualifications ............................ 1666-1673
Article 7. License Qualification Examinations ................ 1675-1684
Article 8. Certificates of Convenience ....................... 1685-1700
Article 9. Issuance of Licenses ........................... 1702-1707.51
Article 10. Termination of Licenses ........................ 1708-1712.5
Article 11. License Terms .................................... 1716-1723
Article 12. Conduct of Licensee ............................ 1724-1736.5
Article 13. Disciplinary Actions ........................... 1737-1748.5
Article 13.5. Prelicensing and Continuing Education ........ 1749-1749.9
Article 14. Fees ........................................... 1750-1751.8
Article 15. Travel Insurance Agents .......................... 1752-1757
Article 15.5. Cargo Shippers' Agents ..................... 1757.1-1757.3
Article 16. Variable Contract Agents ..................... 1758.1-1758.5
Article 16.1. Limited License for Retail Vendors of
Communications Equipment ................. 1758.6-1758.693
Article 16.3. Self-Service Storage Agents .............. 1758.7-1758.792
Article 16.6. Rental Car Agents ........................ 1758.8-1758.891
Article 16.7. Credit Insurance Agents .................. 1758.9-1758.994
CHAPTER 5A. ADMINISTRATORS ................................ 1759-1759.10
CHAPTER 6. SURPLUS LINE BROKERS ............................... 1760-1780
CHAPTER 6.1. SURPLUS LINE ADVISORY ORGANIZATION ......... 1780.50-1780.67
CHAPTER 6.5. REINSURANCE INTERMEDIARIES .................. 1781.1-1781.13
CHAPTER 7. BAIL LICENSES
Article 1. Qualification and Licensing ....................... 1800-1823
CHAPTER 8. LIFE AND DISABILITY INSURANCE ANALYSTS ............. 1831-1849
CHAPTER 9. RATES AND RATING AND OTHER ORGANIZATIONS
Article 1. Purpose and Scope of Chapter .................. 1850.4-1851.1
Article 2. Making and Use of Rates ....................... 1853.5-1853.9
Article 2.5. Making and Use of Rates--Insurance of
Properties Being Purchased From
Department of Veterans Affairs ............ 1853.95-1853.97
Article 4. Advisory Organizations .......................... 1855-1855.5
Article 5. Joint Underwriting and Joint Reinsurance ............. 1856
Article 6. Records and Examinations ........................ 1857-1857.4
Article 6.5. Recording and Reporting of Loss and Expense
Experience .................................. 1857.7-1857.9
Article 7. Hearings, Procedure and Judicial Review ......... 1858-1858.7
Article 8. Penalties ....................................... 1859-1859.1
Article 9. Miscellaneous ................................... 1860-1860.3
Article 10. (Reduction and Control of Insurance Rates) 1861.01-1861.16
CHAPTER 10. CHILD CARE INSURANCE ACT .......................... 1862-1864
CHAPTER 10.5. RISK RETENTION ..................................... 1870
CHAPTER 12. THE INSURANCE FRAUDS PREVENTION ACT
Article 1. False and Fraudulent Claims ..................... 1871-1871.9
Article 2. Bureau of Fraudulent Claims .................... 1872-1872.96
Article 3. Insurance Fraud Reporting ....................... 1873-1873.4
Article 4. Motor Vehicle Theft and Motor Vehicle Insurance
Fraud Reporting ................................ 1874-1874.81
Article 4.5. Insurer Inspections ....................... 1874.85-1874.87
Article 4.6. Auto Insurance Fraud Crisis Areas ................. 1874.90
Article 5. Arson Investigations ............................ 1875-1875.8
Article 5.5. Insurance Claims Analysis Bureaus ......... 1875.10-1875.18
Article 5.6. Insurer Fraud Investigation ............... 1875.20-1875.24
Article 6. Deposit of Automobile Insurance Claims
Information ..................................... 1876-1876.5
Article 7. Workers' Compensation Insurance Fraud Reporting 1877-1877.5
Article 8. Insurance Fraud Prevention ...................... 1879-1879.8
DIVISION 2. CLASSES OF INSURANCE
PART 1. FIRE AND MARINE INSURANCE
CHAPTER 1. THE MARINE CONTRACT
Article 1. Insurable Interests Peculiar to Marine Insurance .. 1880-1886
Article 2. Concealment and Representations--Rules Peculiar to
Marine Insurance .................................. 1900-1905
Article 3. Implied Warranties Peculiar to Marine Insurance ... 1920-1927
Article 4. Effect of Course of Voyage ........................ 1940-1945
Article 5. Loss in Marine Insurance .......................... 1960-1997
Article 6. Exemptions ........................................... 2010
CHAPTER 2. THE FIRE INSURANCE CONTRACT
Article 1. Change of Risk .................................... 2030-2032
Article 2. Measure of Indemnity .............................. 2050-2060
Article 3. California Standard Form Fire Insurance Policy .... 2070-2084
CHAPTER 4. GENERAL MUTUAL INSURERS
Article 1. General Provisions ................................ 4010-4019
Article 2. Directors ......................................... 4020-4023
Article 3. Management and Exclusive Agency Contracts ......... 4030-4034
Article 4. Loans ............................................. 4040-4044
Article 5. Dividends to Policyholders ........................ 4050-4052
Article 6. Nonassessable Policies ............................ 4060-4064
Article 7. Insolvency ........................................... 4070
Article 8. Applicable Insurance Laws ......................... 4080-4081
Article 9. Merger, Consolidation, Reinsurance, or Transfer of
Assets and Liabilities ............................ 4090-4096
Article 10. Conversion of an Incorporated Medical
Malpractice Mutual Insurer into an
Incorporated Stock Insurer .................... 4097-4097.20
CHAPTER 5. COUNTY MUTUAL FIRE INSURERS
Article 1. Formation and Organization ........................ 5050-5063
Article 2. Powers ............................................ 5080-5081
Article 3. Membership ........................................ 5090-5094
Article 4. The Policy ........................................ 6010-6021
Article 5. Risks ............................................. 6040-6050
Article 6. Reinsurance ....................................... 6070-6072
Article 7. Loss .............................................. 6090-6091
Article 8. Assessments ....................................... 7010-7018
Article 9. Reports and Statements ............................ 7030-7031
Article 9.5. Merger ........................................ 7040-7044.5
Article 9.6. Transformation .................................. 7045-7049
Article 10. Dissolution ......................................... 7050
Article 11. Exemptions .......................................... 7060
CHAPTER 6. COUNTY MUTUAL FIRE REINSURERS
Article 1. Formation and Organization ........................ 7080-7093
Article 2. Powers and Duties ................................. 8010-8011
Article 3. Additional Memberships ............................ 8030-8031
Article 4. Risks ............................................. 8050-8053
Article 5. Loss .............................................. 8070-8078
Article 6. Assessments and Coverage of Loss .................. 8090-8097
Article 7. Cancellation of Membership ........................ 9010-9012
Article 8. Reports and Statements ............................ 9030-9031
Article 9. Dissolution .......................................... 9050
Article 10. Exemptions .......................................... 9060
CHAPTER 7. FRATERNAL FIRE INSURERS ............................ 9080-9103
CHAPTER 8. UNDERWRITERS FIRE PATROLS
Article 1. Scope of Chapter and Definitions ................ 10020-10022
Article 2. Formation and Organization ........................... 10040
Article 3. Powers .......................................... 10050-10052
Article 4. Meetings and Assessments ........................ 10070-10080
CHAPTER 8.5. EARTHQUAKE INSURANCE ......................... 10081-10089.4
CHAPTER 8.6. CALIFORNIA EARTHQUAKE AUTHORITY ........... 10089.5-10089.54
CHAPTER 8.9. INSURANCE MEDIATION ...................... 10089.70-10089.83
CHAPTER 9. BASIC PROPERTY INSURANCE INSPECTION AND
PLACEMENT PLAN ................................. 10090-10100.2
CHAPTER 10. CALIFORNIA RESIDENTIAL PROPERTY INSURANCE
DISCLOSURE ...................................... 10101-10107
CHAPTER 11. SMALL BUSINESS GUIDE TO COMMERCIAL INSURANCE .. 10108-10108.1
PART 2. LIFE AND DISABILITY INSURANCE
CHAPTER 1. THE CONTRACT
Article 1. General Provisions ........................... 10110-10127.18
Article 1.5. Discontinuance of Group Life Insurance and
Discontinuance and Replacement of Group
Disability Insurance ........................ 10128-10128.4
Article 1.7. California Cobra Program ................ 10128.50-10128.59
Article 2. Transfer ...................................... 10129-10133.9
Article 2.3. Transfers of Structured Settlement Payment
Rights ...................................... 10134-10139.5
Article 2.5. Discriminatory Practices .................... 10140-10145.4
Article 2.6. Underwriting on the Basis of Test of Genetic
Characteristics ............................. 10146-10149.1
Article 3. Policy Provisions Required ...................... 10150-10154
Article 3a. Standard Nonforfeiture Law for Life
Insurance ................................. 10159.1-10167.5
Article 3b. Standard Nonforfeiture Law for Individual
Deferred Annuities ......................... 10168-10168.93
Article 3.5. Appeals Seeking Independent Medical Review .. 10169-10169.5
Article 4. Payment and Proceeds ............................ 10170-10180
Article 5. Exemptions and Miscellaneous Provisions Relating
to Insurance Contracts .......................... 10190-10192
Article 6. Medicare Supplement Policies ............... 10192.1-10192.23
Article 7. Preexisting Condition Provisions and Late
Enrollees ................................... 10198.6-10198.9
CHAPTER 1.5. HEALTH COVERAGE CONTRACT NOTIFICATION
Article 1. Purpose and Title .................................... 10199
Article 2. General Provisions ......................... 10199.1-10199.48
Article 3. Administration and Enforcement .............. 10199.5-10199.9
CHAPTER 2. GROUP LIFE POLICIES .............................. 10200-10214
CHAPTER 2.5. BLANKET LIFE INSURANCE ......................... 10220-10225
CHAPTER 2.6. LONG-TERM CARE INSURANCE
Article 1. Definitions ................................... 10231-10231.8
Article 3. General Provisions ............................ 10232-10233.9
Article 3. Administration and Enforcement ................ 10234-10234.7
Article 3.7. Consumer Protection ...................... 10234.8-10234.97
Article 4. Implementation ................................ 10235-10236.8
Article 5. Inflation Escalator and Benefit Increases ..... 10237-10237.6
CHAPTER 3. BURIAL CONTRACTS ................................. 10240-10252
CHAPTER 4. STANDARD PROVISIONS IN DISABILITY POLICIES
Article 1. Scope of Chapter and Definitions ................ 10270-10279
Article 2. Approval of Commissioner ........................ 10290-10293
Article 2.5. Transportation Ticket Policies ................ 10295-10296
Article 3. Policy Form Generally--Uniform Provisions ....... 10320-10328
Article 4. Compulsory Standard Provisions--Uniform
Provisions ...................................... 10350-10354
Article 5. Optional Standard Provisions and Special
Provisions--Uniform Provisions ............. 10369.1-10369.12
Article 6. Interpretation of Policy ........................ 10380-10390
Article 7. Exemption ............................................ 10395
Article 8. Penalties ..................................... 10400-10402.1
CHAPTER 5. GENERAL REGULATION OF LIFE INSURERS
Article 1. Restrictions on Business ........................ 10430-10436
Article 1a. Regulation of Internal Affairs of Mutual
Insurers ...................................... 10440-10442
Article 2. Registration of Life Policies ................... 10450-10463
Article 3. Valuation of Life Policies ...................... 10478-10489
Article 3a. Standard Valuation Law ................... 10489.1-10489.95
Article 4. Qualifications and Exemptions ................. 10490-10505.1
Article 5. Pension Funds, Separate Accounts .............. 10506-10506.5
Article 6. Investment Return Assurance ................... 10507-10507.4
Article 6.5. Portfolio Indexing ................................ 10507.5
Article 7. Records ....................................... 10508-10508.8
Article 8. Requirements for Replacement of Life Insurance
and Annuity Policies .......................... 10509-10509.9
CHAPTER 5.5. LIFE INSURANCE POLICY ILLUSTRATIONS .... 10509.950-10509.965
CHAPTER 5.6. LIFE INSURANCE COST INDEXES ............ 10509.970-10509.975
CHAPTER 6. INCORPORATED LIFE INSURERS ISSUING POLICIES ON A
RESERVE BASIS
Article 1. Capital ......................................... 10510-10512
Article 2. Dividends ............................................ 10530
Article 3. Premiums and Premium Accounts ................... 10540-10541
CHAPTER 7. DISABILITY INSURANCE DISCLOSURE .................. 10600-10609
CHAPTER 8. SMALL EMPLOYER HEALTH INSURANCE
Article 1. Definitions ..................................... 10700-10701
Article 2. Small Employer Carrier Requirements ........... 10702-10718.7
Article 3. Voluntary Reinsurance Mechanism ................. 10719-10729
Article 4. Purchasing Pool for Small Employers ............. 10730-10749
CHAPTER 8.5. COVERAGE FOR FEDERALLY ELIGIBLE DEFINED INDIVIDUALS 10785
CHAPTER 9. THE PRIVATE HEALTH CARE VOLUNTARY PURCHASING
ALLIANCE ACT
Article 1. General ......................................... 10800-10803
Article 2. Definitions .......................................... 10810
Article 3. Regulation ...................................... 10820-10826
Article 4. Conflicts of Interest ................................ 10830
Article 5. Additional Powers of and Restrictions on
Purchasing Alliances ............................ 10840-10845
Article 6. Participating Carriers .......................... 10850-10856
Article 7. Contracts with Employers, Small Employers, and
Participating Carriers .......................... 10860-10861
Article 8. Marketing ....................................... 10870-10873
Article 9. Solvency ............................................. 10880
Article 10. Exemptions ..................................... 10885-10887
CHAPTER 9.5. INDIVIDUAL ACCESS TO CONTRACTS FOR HEALTH
CARE SERVICES ................................ 10900-10902.6
CHAPTER 10. FRATERNAL BENEFIT SOCIETIES
Article 1. Scope of Chapter ................................ 10970-10976
Article 2. Definitions ..................................... 10990-10993
Article 3. Organization .................................... 11010-11033
Article 4. Benefits ........................................ 11040-11044
Article 5. Contract ........................................ 11060-11073
Article 6. Powers of Commissioner .......................... 11090-11112
Article 7. Financial Matters ............................... 11120-11146
Article 8. Violations and Penalties ........................ 11160-11165
CHAPTER 10A. FIREMEN'S, POLICEMEN'S, OR PEACE OFFICERS'
BENEFIT AND RELIEF ASSOCIATIONS ............... 11400-11407
CHAPTER 11. CHANGE BY ASSESSMENT PLAN INSURER TO RESERVE
PLAN
Article 1. Authorization and Effect ........................ 11420-11422
Article 2. Capital Adjustments ............................. 11440-11443
Article 3. Transfer of Insurance ................................ 11460
Article 4. Powers of Insurer After Transformation .......... 11470-11472
Article 5. Valuation of Policies ................................ 11490
CHAPTER 12. GRANTS AND ANNUITIES SOCIETIES .................. 11520-11524
CHAPTER 13. VOLUNTARY MUTUALIZATION OF INCORPORATED LIFE AND
LIFE AND DISABILITY INSURERS HAVING A CAPITAL
STOCK AND ISSUING NONASSESSABLE POLICIES ON A
RESERVE BASIS
Article 1. Authority and Requirements to Mutualize ......... 11525-11528
Article 2. Execution of Plan ............................... 11529-11533
CHAPTER 14. CONVERSION OF AN INCORPORATED MUTUAL LIFE OR
LIFE AND DISABILITY INSURER INTO AN
INCORPORATED STOCK LIFE INSURER ISSUING
POLICIES ON A RESERVE BASIS
Article 1. Authority and Requirements to Convert ........... 11535-11548
PART 3. LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER
LIABILITY INSURANCE
CHAPTER 1. GENERAL REGULATIONS
Article 1. Reserves of Insurers ............................ 11550-11558
Article 2. Actions on Policies Containing Liability
Provisions .................................... 11580-11589.5
Article 2.5. Personal Liability Insurance Providing
Workers' Compensation Coverage for
Household Employees ........................... 11590-11593
Article 3. Capital Requirements of Reserve Basis Insurers .. 11600-11602
Article 4. Assigned Risk Plans ............................. 11620-11627
Article 5. Motor Vehicle Liability Insurance ............. 11628-11629.5
Article 5.5. California Low-Cost Automobile Insurance
Program ................................. 11629.7-11629.85
CHAPTER 2. WORKERS' COMPENSATION POLICIES
Article 1. Definitions ..................................... 11630-11631
Article 2. Policy Provisions ............................... 11650-11664
CHAPTER 3. REGULATION OF BUSINESS OF WORKERS' COMPENSATION
INSURANCE
Article 1. Deposits by Workers' Compensation Insurers ...... 11690-11703
Article 2. State Rate Supervision .......................... 11730-11742
Article 3. Rating and Other Organizations ................ 11750-11759.2
Article 4. Penalties for Misrepresentation ...................... 11760
Article 5. Standards Applicable to Claims Adjusters ............. 11761
CHAPTER 4. THE STATE COMPENSATION INSURANCE FUND
Article 1. Organization and Powers ......................... 11770-11805
Article 2. Rates ........................................... 11820-11822
Article 3. Policies ........................................ 11840-11846
Article 4. Reports and Statements ............................... 11860
Article 5. Coverage of Public Employers .................... 11870-11874
Article 6. Penalties ....................................... 11880-11881
CHAPTER 5. MARKET ASSISTANCE PROGRAM FOR LONG-TERM HEALTH
CARE FACILITY LIABILITY INSURANCE ................ 11890-11892
PART 4. MISCELLANEOUS CASUALTY INSURANCES
CHAPTER 1. SURETY INSURERS ON RESERVE BASIS; CAPITAL
REQUIREMENTS AND PERMITTED INSURANCES
Article 1. Capital and Scope of Business ................... 12050-12055
Article 2. Administrative Control .......................... 12070-12073
Article 3. Special Restrictions on Business ................ 12090-12093
Article 4. Special Regulations ............................. 12095-12097
Article 5. Financial Guaranty Insurance .................... 12100-12122
CHAPTER 2. OTHER CASUALTY INSURERS ON RESERVE BASIS; CAPITAL
REQUIREMENTS AND PERMITTED INSURANCES ................. 12124
CHAPTER 3. GROUP AND INDIVIDUAL PLANS FOR LEGAL INSURANCE ... 12125-12129
PART 5. MOTOR CLUBS
CHAPTER 1. DEFINITIONS AND EXEMPTIONS ....................... 12140-12159
CHAPTER 2. CERTIFICATE OF AUTHORITY ......................... 12160-12170
CHAPTER 3. THE SERVICE CONTRACT ............................. 12250-12256
CHAPTER 4. AGENTS ........................................... 12280-12281
CHAPTER 5. PENALTIES ............................................. 12311
PART 6. INSURANCE COVERING LAND
CHAPTER 1. TITLE INSURANCE
Article 1. Definitions ..................................... 12340-12342
Article 2. Title Insurers; Capital and Guarantee Fund
Requirements .................................... 12350-12360
Article 3. Title Insurers: Finances and Investments ....... 12370-12377
Article 3.5. Unearned Premium Reserve and Reserve for
Unpaid Losses and Loss Expense ................ 12380-12388
Article 3.7. Underwritten Title Companies ................ 12389-12389.6
Article 4. General Powers .................................. 12390-12394
Article 4.5. Business Plans ................................ 12396-12399
Article 5. Exemptions .................................... 12400-12400.5
Article 5.5. Rate Filing and Regulation ................. 12401-12401.10
Article 5.7. Advisory Organizations ...................... 12402-12402.2
Article 6. Rebates and Commissions ....................... 12404-12413.5
Article 6.7. Hearings, Procedure, and Judicial Review 12414.13-12414.19
Article 6.9. Examinations, Penalties and Miscellaneous 12414.20-12414.31
Article 7. Annual Renewal Fees ............................. 12415-12417
CHAPTER 2. MORTGAGE INSURANCE
Article 1. Definitions ..................................... 12420-12428
Article 2. Capital Requirements and Permitted Insurances ... 12440-12442
Article 3. Profits, Surplus and Dividends .................. 12460-12464
Article 4. Investments and Loans ........................... 12480-12490
Article 5. Restrictions on Policies ........................ 12500-12502
Article 6. Mortgage Participation Certificates and Trusts .. 12520-12532
Article 7. Amendment, Cancellation and Exchange of Mortgage
Participation Certificates and Securities ....... 12540-12543
Article 8. Conservatorship ................................. 12550-12569
Article 9. Appraisers and Appraisements .................... 12580-12584
Article 11. Moratoria on Securities ............................. 12620
Article 11.5. Rehabilitation ............................ 12629-12629.48
Article 12. Penalties ...................................... 12630-12631
CHAPTER 2A. MORTGAGE GUARANTY INSURANCE
Article 1. Definitions .............................. 12640.01-12640.02
Article 2. Capital, Surplus and Contingency Reserve
Requirements ............................. 12640.03-12640.06
Article 4. Limitations and Restrictions for
Transacting Business ..................... 12640.07-12640.11
Article 5. Rebates and Commissions .................. 12640.12-12640.15
Article 6. Financial Statements .............................. 12640.16
Article 7. Applicability of Other Laws ....................... 12640.17
Article 8. Additional Powers of Commissioner ................. 12640.18
Article 9. Advertising ....................................... 12640.19
Article 10. Fees ............................................. 12640.20
CHAPTER 3. LAND VALUE INSURANCE ............................. 12660-12661
PART 6.1. HEALTH DISABILITY INSURANCE CONVERSION ........... 12670-12692.5
PART 6.2. HEALTHY FAMILIES
CHAPTER 1. PURPOSE ............................................... 12693
CHAPTER 2. DEFINITIONS ................................ 12693.01-12693.17
CHAPTER 3. CREATION OF PROGRAM AND POWERS OF THE BOARD 12693.20-12693.21
CHAPTER 4. ADMINISTRATION ............................. 12693.25-12693.54
CHAPTER 5. HEALTH BENEFITS AND COPAYMENTS ............. 12693.60-12693.62
CHAPTER 6. DENTAL BENEFITS AND COPAYMENTS ............. 12693.63-12693.64
CHAPTER 7. VISION BENEFITS AND COPAYMENTS ............. 12693.65-12693.66
CHAPTER 8. LINKAGES WITH PUBLIC PROGRAMS .............. 12693.68-12693.69
CHAPTER 9. ELIGIBILITY ............................... 12693.70-12693.765
CHAPTER 10. FISCAL INTEGRITY ................................... 12693.77
CHAPTER 11. PROTECTION AGAINST SUBSTITUTION OF BENEFITS 12693.80-12693.84
CHAPTER 12. APPEALS ................................... 12693.85-12693.89
CHAPTER 13. HEALTHY FAMILIES ADVISORY BOARD .................... 12693.90
CHAPTER 14. RURAL DEMONSTRATION PROJECT .............. 12693.91-12693.915
CHAPTER 15. REPORTS ................................... 12693.92-12693.95
CHAPTER 16. FUNDS ..................................... 12693.96-12693.97
CHAPTER 16.1. HEALTHY FAMILIES BRIDGE BENEFITS PROGRAM 12693.98-12693.982
CHAPTER 17. REPEAL
PART 6.3. ACCESS FOR INFANTS AND MOTHERS
CHAPTER 1. GENERAL PROVISIONS AND DEFINITIONS
Article 1. General ...................................... 12695-12695.24
CHAPTER 2. POWERS AND DUTIES OF THE BOARD
Article 1. Administration ............................... 12696-12696.20
Article 2. Advisory Panel ...................................... 12696.5
CHAPTER 3. PARTICIPATING HEALTH PLANS .................. 12696.7-12697.15
CHAPTER 4. SUBSCRIBER ELIGIBILITY AND ENROLLMENT
Article 1. Eligibility and Coverage ..................... 12698-12698.35
Article 2. Unfair Competition and Labor Practices .... 12698.50-12698.56
CHAPTER 5. PERINATAL INSURANCE FUND ...................... 12699-12699.05
CHAPTER 6. OPERATION OF PROGRAM
PART 6.4. COUNTY HEALTH INITIATIVE MATCHING FUND ....... 12699.50-12699.63
PART 6.5. CALIFORNIA MAJOR RISK MEDICAL INSURANCE PROGRAM
CHAPTER 1. GENERAL ............................................... 12700
CHAPTER 2. DEFINITIONS ........................................... 12705
CHAPTER 3. POWERS AND DUTIES ................................ 12710-12714
CHAPTER 4. POLICIES ISSUED BY THE BOARD ..................... 12715-12718
CHAPTER 5. PARTICIPATING HEALTH PLANS ....................... 12720-12723
CHAPTER 6. SUBSCRIBER ELIGIBILITY AND ENROLLMENT ............ 12725-12733
CHAPTER 7. PLAN RATES AND COMPENSATION FROM THE FUND ........ 12735-12738
CHAPTER 8. MAJOR RISK MEDICAL INSURANCE FUND .............. 12739-12739.4
PART 7. HOME PROTECTION
CHAPTER 1. DEFINITIONS AND LICENSING ........................ 12740-12745
CHAPTER 2. FISCAL REQUIREMENTS .............................. 12750-12757
CHAPTER 3. OTHER PROVISIONS ................................. 12760-12764
PART 8. SERVICE CONTRACTS .................................... 12800-12865
DIVISION 3. THE INSURANCE COMMISSIONER
CHAPTER 1. APPOINTMENT, QUALIFICATION, AND OFFICES ........... 12900-12907
CHAPTER 2. POWERS AND DUTIES
Article 1. Generally ........................................ 12919-12938
Article 1.1. The California Community Development
Financial Institution Tax Credit Program ..... 12939-12939.1
Article 2. Review of Commissioner's Acts ......................... 12940
Article 3. Procuring Information on Policies ................ 12950-12959
Article 3.5. Reporting ...................................... 12961-12969
Article 4. Fees ............................................. 12970-12980
Article 5. Fee Oversight .................................... 12990-12995
Article 7. Suspension of Privilege of Appearing or
Practicing Before the Commissioner ............... 13500-13505
CHAPTER 3. CONCILIATION ...................................... 13600-13601
CHAPTER 4. HOLOCAUST ERA INSURANCE REGISTRY .................. 13800-13807
CHAPTER 5. SLAVERY ERA INSURANCE POLICIES .................... 13810-13813
DIVISION 5. INSURANCE ADJUSTERS
CHAPTER 1. INSURANCE ADJUSTER ACT
Article 1. General Provisions ............................... 14000-14002
Article 2. Administration ................................... 14010-14013
Article 3. Regulation, Licensing, and Registration .......... 14020-14045
Article 4. Bonds ............................................ 14050-14054
Article 5. Disciplinary Proceedings ......................... 14060-14065
Article 6. Nonresidents ..................................... 14070-14078
Article 7. Penal Provisions ...................................... 14080
Article 8. Expiration and Renewal of Licenses and Cards ..... 14090-14094
Article 9. Revenue .......................................... 14097-14099
CHAPTER 2. PUBLIC INSURANCE ADJUSTERS ACT
Article 1. General Provisions ............................... 15000-15002
Article 2. Administration ................................... 15003-15005
Article 3. Regulation, Licensing, and Registration .......... 15006-15032
Article 4. Bonds ............................................ 15033-15037
Article 5. Disciplinary Proceedings ......................... 15038-15043
Article 6. Nonresidents ..................................... 15044-15052
Article 7. Penal Provisions ...................................... 15053
Article 8. Expiration and Renewal of Licenses and Cards ..... 15054-15062
CHAPTER 3. EMERGENCY DISASTER ASSESSMENT
Article 1. General Provisions ............................... 16000-16002
Article 2. Emergency Disaster Assessment .................... 16010-16016
Article 3. Adjuster Identification .......................... 16020-16022
Article 4. Coordination of Emergency Operations .................. 16030