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CALIFORNIA INSURANCE CODE

Last update: 2011-07-20


  • 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. 550-557.5
        • Article 4. Payment of Automobile Collision Repairs. 560
        • Article 5. Certain Insurance Covering Real Property. 570-572
        • Article 6. Electronic Payment of Claims. 580
      • 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. 742.20-742.43
        • 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 10.1. California Insurance Community Investment. 926.1-926.3
        • 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. 1063-1063.17
        • 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. 1064.1-1064.13
        • 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. 1240-1242
        • 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 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. 1666-1672
        • Article 7. License Qualification Examinations. 1675-1684
        • Article 8. Certificates of Convenience. 1685-1700
        • Article 9. Issuance of Licenses. 1702-1707.7
        • 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. 1750-1751.7
        • 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. 1781.1-1781.14
      • 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. 1874-1874.8
        • 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 4.5. Review of Rate Increases. 10181-10181.13
        • Article 5. Exemptions and Miscellaneous Provisions Relating to Insurance Contracts. 10190-10192
        • Article 6. Medicare Supplement Policies. 10192.1-10192.24
        • 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 9.7. Individual Access to Health Insurance. 10950-10960
      • 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. 11535-11549
    • PART 3. Liability, Workers' Compensation, and Common Carrier Liability Insurance
      • CHAPTER 1. General Regulations
        • Article 1. Reserves of Insurers. 11550-11557
        • 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. 11650-11665
      • 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. 11760-11760.1
        • 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
        • Article 7. Transfer of Ownership. 11885-11886.2
      • 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. 12070-12072
        • 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
        • Article 8. Title Insurance Representatives. 12418-12418.4
      • 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 12693.20-12693.23
      • CHAPTER 4. Administration. 12693.25-12693.55
      • 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. 12693.98-12694
    • 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
      • 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
    • 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 6.6. Qualified High Risk Pools. 12739.5-12739.62
    • PART 6.7. Federal Temporary High Risk Health Insurance Fund. 12739.70-12739.76
    • 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 4. Affordable Housing Entities Risk Retention Pool. 13900-13907
  • 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. 16030-16032
  • Version 2011-07-20

General Provisions.

Section 1

This act shall be known as the 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 be construed as restatements and continuations thereof, and not as new enactments.

Section 3

All persons who, at the time this code goes into effect, hold office under any of the acts repealed by this code, which offices are continued by this code, continue to hold the same according to the former tenure thereof.

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 thereafter taken therein shall conform to the provisions of this code so far as possible.

Section 5

Unless the context otherwise requires, the general provisions hereinafter set forth shall govern the construction of this 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, or intent of the provisions of any division, part, chapter, article, or section hereof.

Section 7

Whenever, by the provisions of this code, a power is granted to a public officer or a duty imposed upon such an officer, the power may be exercised or the duty performed by a deputy of the officer or by a person authorized pursuant to law by the officer, unless it is expressly otherwise provided.

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 by this code, it shall be made in writing in the English language unless it is otherwise expressly provided.

Section 9

Whenever any reference is made to any portion of this code or of any other law of this State, such reference shall apply to all amendments and additions thereto now or hereafter made.

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 section in which that term occurs unless some other section is expressly mentioned.

Section 11

The present tense includes the past and future tenses; and the future, the present.

Section 12

The masculine gender includes the feminine and neuter.

Section 13

The singular number includes the plural, and the plural the singular.

Section 14

"County" includes "city and county."