California Insurance Code

GENERAL PROVISIONS 1-48 >>

DIVISION 1. GENERAL RULES GOVERNING INSURANCE 100-1879.8

PART 1. THE CONTRACT 100-679.73

CHAPTER 1. Classes of Insurance 100-124.5 >>

CHAPTER 1.5. Risk Retention 125-140 >>

CHAPTER 2. Parties, Events, and Interests 150-305

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 330-361

ARTICLE 1. Concealment 330-339 >>

ARTICLE 2. Representation 350-361 >>

CHAPTER 4. The Policy 380-460

ARTICLE 1. Definition and Scope 380-396 >>

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 520-580

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 679.70-679.74 >>

PART 2. THE BUSINESS OF INSURANCE 680-1879.8

CHAPTER 1. General Regulations 680-1113

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 769-769.56 >>

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 791-791.29 >>

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 10.2. Minority, Women, and Disabled Veteran Business Enterprises 927-927.3 >>

ARTICLE 10.3. Single Risk Limitation 928 >>

ARTICLE 10.5. National Association of Insurance Commissioners 930-934 >>

ARTICLE 10.6. Own Risk and Solvency Assessment 935.1-935.11 >>

ARTICLE 10.8. Corporate Governance Disclosure Act 936.1-936.9 >>

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 1063-1063.18 >>

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 1067-1067.19 >>

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 1140-1260

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 1215-1215.18 >>

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 1280-1560.19

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 (NULL)

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 1561-1620.7

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 1621-1758.993

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 1685-1698 >>

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. Portable Electronics Insurance 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 1758.9-1758.993 >>

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 1800-1823 >>

ARTICLE 1. Qualification and Licensing 1800-1823 >>

CHAPTER 8. Life and Disability Insurance Analysts 1831-1849 >>

CHAPTER 9. Rates and Rating and Other Organizations 1850.4-1861.16

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 1871-1879.8

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 1880-12880.5

PART 1. FIRE AND MARINE INSURANCE 1880-10108.1

CHAPTER 1. The Marine Contract 1880-2010

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 2030-2084

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 4010-4097.20

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 5050-7060

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 7080-9060

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 10020-10080

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 10110-11549

CHAPTER 1. The Contract 10110-10198.10

ARTICLE 1. General Provisions 10110-10127.19 >>

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 10129-10133.10 >>

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 10168-10168.10 >>

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 10198.6-10198.10 >>

CHAPTER 1.5. Health Coverage Contract Notification 10199-10199.9

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 10231-10237.6

ARTICLE 1. Definitions 10231-10231.8 >>

ARTICLE 3. General Provisions 10232-10233.7 >>

ARTICLE 3. Administration and Enforcement 10234-10234.7 >>

ARTICLE 3.7. Consumer Protection 10234.8-10234.97 >>

ARTICLE 4. Implementation 10235-10236.15 >>

ARTICLE 5. Inflation Escalator and Benefit Increases 10237-10237.6 >>

CHAPTER 3. Burial Contracts 10240-10252 >>

CHAPTER 4. Standard Provisions in Disability Policies 10270-10402.1

ARTICLE 1. Scope of Chapter and Definitions 10270-10279 >>

ARTICLE 2. Approval of Commissioner 10290-10293 >>

ARTICLE 2.1. Accelerated Death Benefits 10295-10295.19 >>

ARTICLE 2.5. Transportation Ticket Policies (NULL)

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 10430-10509.938

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 10489.1-10489.992 >>

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 >>

ARTICLE 9. Suitability Requirements for Annuity Transactions 10509.910-10509.918 >>

ARTICLE 11. Life Insurance Proceeds Disclosure Act of 2011 10509.930-10509.938 >>

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 10510-10541

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 10700-10752.8

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 10730-10750 >>

ARTICLE 5. Stop-Loss Insurance 10752-10752.8 >>

CHAPTER 8.01. Nongrandfathered Small Employer Health Insurance 10753-10753.18.7

ARTICLE 1. Definitions 10753-10753.01 >>

ARTICLE 2. Small Employer Carrier Requirements 10753.02-10753.18.7 >>

CHAPTER 8.02. Grandfathered Small Employer Health Insurance 10755-10755.18.7

ARTICLE 1. Definitions 10755-10755.01 >>

ARTICLE 2. Small Employer Carrier Requirements 10755.02-10755.18.7 >>

CHAPTER 8.5. Coverage for Federally Eligible Defined Individuals 10785-10786 >>

CHAPTER 9. The Private Health Care Voluntary Purchasing Alliance Act 10800-10887

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 10900-10902.5 >>

CHAPTER 9.6. Consumer Operated and Oriented Plans 10930-10930.9 >>

CHAPTER 9.7. Child Access to Health Insurance 10950-10960.5 >>

CHAPTER 9.9. Individual Access to Health Insurance 10965-10965.18 >>

CHAPTER 10. Fraternal Benefit Societies 10970-11165

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 11420-11490

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 11525-11533

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 11535-11549 >>

ARTICLE 1. Authority and Requirements to Convert 11535-11549 >>

PART 3. LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE 11550-11892

CHAPTER 1. General Regulations 11550-11629.88

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 11629.7-11629.88 >>

CHAPTER 2. Workers’ Compensation Policies 11630-11665

ARTICLE 1. Definitions 11630-11631 >>

ARTICLE 2. Policy Provisions 11650-11665 >>

CHAPTER 3. Regulation of Business of Workers’ Compensation Insurance 11690-11761

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 11770-11886.2

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 12050-12129

CHAPTER 1. Surety Insurers on Reserve Basis; Capital Requirements and Permitted Insurances 12050-12122

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 12140-12311

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 12340-12661

CHAPTER 1. Title Insurance 12340-12418.4

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 12389-12389.7 >>

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 2A. Mortgage Guaranty Insurance 12640.01-12640.20

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 12693-12694.2

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 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 16.2. Transition of Healthy Families Program Enrollees to Medi-Cal 12694.1-12694.2 >>

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 6.8. Program Transfers 12739.77-12739.79 >>

PART 7. HOME PROTECTION 12740-12764

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 >>

PART 9. Pet Insurance 12880-12880.5 >>

DIVISION 3. THE INSURANCE COMMISSIONER 12900-13813

CHAPTER 1. Appointment, Qualification, and Offices 12900-12907 >>

CHAPTER 2. Powers and Duties 12919-13505

ARTICLE 1. Generally 12919-12938 >>

ARTICLE 1.1. The California Community Development Financial Institution Tax Credit Program 12939-12939.2 >>

ARTICLE 2. Review of Commissioner’s Acts 12940 >>

ARTICLE 3. Procuring Information on Policies 12950-12959 >>

ARTICLE 3.5. Reporting 12962-12969 >>

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 14000-16032

CHAPTER 1. Insurance Adjuster Act 14000-14099

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 7.5. Crop Insurance Adjusters 14085 >>

ARTICLE 8. Expiration and Renewal of Licenses and Cards 14090-14094 >>

ARTICLE 9. Revenue 14097-14099 >>

CHAPTER 2. Public Insurance Adjusters Act 15000-15062

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 16000-16032

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 >>