California Insurance Code
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 - 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 CANCEL / NONRENEWAL ...............674-674.9
CHAPTER 11. CANCELLATION AND FAILURE TO RENEW CERTAIN PROPERTY INSURANCE .................................................................................................................................... 675-679.7
CHAPTER 11.5. DISCLOSURE REQUIREMENTS FOR PROPERTY INSURANCE................679.9
CHAPTER 12. PROHIBITION OF DISCRIMINATORY PRACTICES BY CERTAIN ADMITTED INSURERS ........................................................................................................... 679.70-679.73
DIVISION 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 ....................................... 926.1-926.2
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 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 ................................................................................ 1702-1707.7
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 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 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 ............................................................................... 11550-11558
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 ...................................................................................... 11650-11665
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 ................................................. 2370-12377
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..... 12693.20-12693.22
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
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 ................................................... 16030-16032
