There is a newer version of the California Code
2009 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 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 .... 926.1-926.2 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 ........ 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 12693.20-12693.22 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 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 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
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