Insurance Code

Law Codes -> INS

• GENERAL PROVISIONS
• 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. - 395.]
      • ARTICLE 2. Types of Policies [410. - 413.]
      • ARTICLE 3. Insurer e™s Name on Policy [430. - 430.]
      • ARTICLE 4. Warranties [440. - 449.]
      • ARTICLE 5. Inception Hours [460. - 460.]
    • CHAPTER 5. The Premium [480. - 491.]
    • CHAPTER 5.2. Renewal Notices [500. - 500.]
    • CHAPTER 5.3. Consumer Complaints [510. - 510.]
    • CHAPTER 5.4. Proof of Coverage Disclosure [515. - 515.]
    • CHAPTER 6. Loss [520. - 580.]
    • • ARTICLE 1. Transfer of Interest After Loss [520. - 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. - 560.]
      • ARTICLE 5. Certain Insurance Covering Real Property [570. - 572.]
      • ARTICLE 6. Electronic Payment of Claims [580. - 580.]
    • CHAPTER 7. Double Insurance [590. - 591.]
    • CHAPTER 8. Reinsurance [620. - 623.]
    • CHAPTER 9. Rescission [650. - 651.]
    • CHAPTER 9.5. Filing of Certificates [655. - 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. - 669.7.]
    • CHAPTER 10.2. Prohibited Cancellations [670. - 670.]
    • CHAPTER 10.25. Automobile Collision and Comprehensive Coverage [671. - 671.]
    • CHAPTER 10.27. Availability of Cost Estimates [672. - 672.]
    • CHAPTER 10.3. Cancellation of Policies When Premium Financed [673. - 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. - 679.9.]
    • CHAPTER 12. Prohibition of Discriminatory Practices by Certain Admitted Insurers [679.70. - 679.73.]
  • PART 2. THE BUSINESS OF INSURANCE [680. - 1879.8.]
  • • CHAPTER 1. General Regulations [680. - 1113.]
    • • ARTICLE 1. Charter Requirements [680. - 680.]
      • ARTICLE 1.5. Retaliation [685. - 685.4.]
      • ARTICLE 1.7. Continuity of Management [688. - 688.5.]
      • ARTICLE 2. Capital Structure [690. - 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. - 810.]
      • ARTICLE 7.5. Restrictions on Compensation of Adjusters [815. - 816.]
      • ARTICLE 8. Issue of Securities [820. - 860.]
      • ARTICLE 9. Registration of Insurers e™ 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. - 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. - 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 e™ 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. - 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. - 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. - 1420.]
      • ARTICLE 8. Reports and Examination [1430. - 1434.]
      • ARTICLE 9. Suits [1450. - 1453.]
      • ARTICLE 10. Policy [1470. - 1470.]
      • ARTICLE 11. Rebates [ - ]
      • ARTICLE 12. Agents and Brokers [1500. - 1500.]
      • ARTICLE 13. Penalties [1510. - 1512.]
      • ARTICLE 14. Tax Provisions [1530. - 1531.]
      • ARTICLE 15. Merger [1540. - 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. - 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 e™ 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 e"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. - 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. - 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. - 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 e™ Compensation Insurance Fraud Reporting [1877. - 1877.5.]
      • ARTICLE 8. Insurance Fraud Prevention [1879. - 1879.8.]
• DIVISION 2. CLASSES OF INSURANCE [1880. - 12865.]
• • 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 e"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. - 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. - 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. - 7050.]
      • ARTICLE 11. Exemptions [7060. - 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. - 9050.]
      • ARTICLE 10. Exemptions [9060. - 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. - 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. - 10133.9.]
      • 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. - 10168.10.]
      • 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 and Late Enrollees [10198.6. - 10198.10.]
      • 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. - 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. - 10233.9.]
      • 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 2.5. Transportation Ticket Policies [ - ]
      • ARTICLE 3. Policy Form Generally e"Uniform Provisions [10320. - 10328.]
      • ARTICLE 4. Compulsory Standard Provisions e"Uniform Provisions [10350. - 10354.]
      • ARTICLE 5. Optional Standard Provisions and Special Provisions e"Uniform Provisions [10369.1. - 10369.12.]
      • ARTICLE 6. Interpretation of Policy [10380. - 10390.]
      • ARTICLE 7. Exemption [10395. - 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. - 10489.95.]
      • 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. - 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. - 10530.]
      • ARTICLE 3. Premiums and Premium Accounts [10540. - 10541.]
    • CHAPTER 7. Disability Insurance Disclosure [10600. - 10609.]
    • CHAPTER 8. Small Employer Health Insurance [10700. - 10750.]
    • • 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.]
    • 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. - 10810.]
      • ARTICLE 3. Regulation [10820. - 10826.]
      • ARTICLE 4. Conflicts of Interest [10830. - 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. - 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. - 10961.]
    • CHAPTER 9.9. Individual Access to Health Insurance [10965. - 10965.17.]
    • 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 e™ 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. - 11460.]
      • ARTICLE 4. Powers of Insurer After Transformation [11470. - 11472.]
      • ARTICLE 5. Valuation of Policies [11490. - 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 e™ 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 e™ Compensation Policies [11630. - 11665.]
    • • ARTICLE 1. Definitions [11630. - 11631.]
      • ARTICLE 2. Policy Provisions [11650. - 11665.]
    • CHAPTER 3. Regulation of Business of Workers e™ Compensation Insurance [11690. - 11761.]
    • • ARTICLE 1. Deposits by Workers e™ 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. - 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. - 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. - 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. - 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. - 12389.6.]
      • 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 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. - 12640.16.]
      • ARTICLE 7. Applicability of Other Laws [12640.17. - 12640.17.]
      • ARTICLE 8. Additional Powers of Commissioner [12640.18. - 12640.18.]
      • ARTICLE 9. Advertising [12640.19. - 12640.19.]
      • ARTICLE 10. Fees [12640.20. - 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. - 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. - 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. - 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 16.2. Transition of Healthy Families Program Enrollees to Medi-Cal [12694.1. - 12694.2.]
    • CHAPTER 17. Repeal [ - ]
  • PART 6.3. ACCESS FOR INFANTS AND MOTHERS [12695. - 12699.05.]
  • • CHAPTER 1. General Provisions and Definitions [12695. - 12695.24.]
    • • ARTICLE 1. General [12695. - 12695.24.]
    • CHAPTER 2. Powers and Duties of the Board [12696. - 12696.20.]
    • • ARTICLE 1. Administration [12696. - 12696.20.]
      • ARTICLE 2. Advisory Panel [ - ]
    • CHAPTER 3. Participating Health Plans [12696.7. - 12697.15.]
    • CHAPTER 4. Subscriber Eligibility and Enrollment [12698. - 12698.56.]
    • • 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 [12700. - 12739.4.]
  • • CHAPTER 1. General [12700. - 12700.]
    • CHAPTER 2. Definitions [12705. - 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 [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.]
• 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 e™s Acts [12940. - 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. - 14080.]
    • ARTICLE 7.5. Crop Insurance Adjusters [14085. - 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. - 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.]