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California Insurance Code CALIFORNIA INSURANCE CODE TABLE OF CONTENTS GENERAL PROVISIONS .................................................. 1-48 DIVISION 1. GENERAL RULES GOVERNING INSURANCE PART 1. THE CONTRACT CHAPTER 1. CLASSES OF INSURANCE ............................... 100-124.5 CHAPTER 1.5. RISK RETENTION ..................................... 125-140 CHAPTER 2. PARTIES, EVENTS, AND INTERESTS Article 1. Parties to the Contract: Generally .................. 150-151 Article 2. Parties to Contract: Mortgagor and Mortgagee ........ 170-172 Article 3. Events Subject to Insurance ......................... 250-253 Article 4. Insurable Interest: Generally ....................... 280-287 Article 5. Insurable Interest: Effect of Transfer .............. 300-305 CHAPTER 3. NEGOTIATIONS BEFORE EXECUTION Article 1. Concealment ......................................... 330-339 Article 2. Representation ...................................... 350-361 CHAPTER 4. THE POLICY Article 1. Definition and Scope ................................ 380-395 Article 2. Types of Policies ................................... 410-413 Article 3. Insurer's Name on Policy ............................. 430 Article 4. Warranties .......................................... 440-449 Article 5. Inception Hours ...................................... 460 CHAPTER 5. THE PREMIUM .......................................... 480-491 CHAPTER 5.2. RENEWAL NOTICES ..................................... 500 CHAPTER 5.3. CONSUMER COMPLAINTS ................................. 510 CHAPTER 5.4. PROOF OF COVERAGE DISCLOSURE ........................ 515 CHAPTER 6. LOSS Article 1. Transfer of Interest After Loss ...................... 520 Article 2. Causes of Loss .................................... 530-533.7 Article 3. Notice and Proofs of Loss ......................... 550-557.5 Article 4. Payment of Automobile Collision Repairs .............. 560 Article 5. Certain Insurance Covering Real Property ............ 570-572 Article 6. Electronic Payment of Claims ......................... 580 CHAPTER 7. DOUBLE INSURANCE ..................................... 590-591 CHAPTER 8. REINSURANCE .......................................... 620-623 CHAPTER 9. RESCISSION ........................................... 650-651 CHAPTER 9.5. FILING OF CERTIFICATES .............................. 655 CHAPTER 9.6. REASONS FOR DENIAL OF MOTOR VEHICLE LIABILITY INSURANCE .......................................... 657-658 CHAPTER 10. CANCELLATION OR FAILURE TO RENEW .................. 660-669.5 CHAPTER 10.1. CERTAIN AUTOMOBILE INSURANCE ....................... 669.7 CHAPTER 10.2. PROHIBITED CANCELLATIONS ........................... 670 CHAPTER 10.25. AUTOMOBILE COLLISION AND COMPREHENSIVE COVERAGE ... 671 CHAPTER 10.27. AVAILABILITY OF COST ESTIMATES .................... 672 CHAPTER 10.3. CANCELLATION OF POLICIES WHEN PREMIUM FINANCED ..... 673 CHAPTER 10.4. PRIOR NOTICE CONCERNING CANCELLATION OR NONRENEWAL ...................................... 674-674.9 CHAPTER 11. CANCELLATION AND FAILURE TO RENEW CERTAIN PROPERTY INSURANCE ......................................... 675-679.7 CHAPTER 11.5. DISCLOSURE REQUIREMENTS FOR CERTAIN PROPERTY INSURANCE .......................................... 679.9 CHAPTER 12. PROHIBITION OF DISCRIMINATORY PRACTICES BY CERTAIN ADMITTED INSURERS ..................... 679.70-679.73 PART 2. THE BUSINESS OF INSURANCE CHAPTER 1. GENERAL REGULATIONS Article 1. Charter Requirements ................................. 680 Article 1.5. Retaliation ..................................... 685-685.4 Article 1.7. Continuity of Management ........................ 688-688.5 Article 2. Capital Structure .................................... 690 Article 3. Certificate of Authority ............................ 699-728 Article 4. Examination by Commissioner ......................... 729-738 Article 4.1. Risk-Based Capital for Insurers ................ 739-739.12 Article 4.5. Special Provisions Regarding Health Coverage .... 740-742.1 Article 4.7. Multiple Employer Welfare Arrangements ...... 742.20-742.43 Article 5. Unlawful Referrals .................................. 750-754 Article 5.1. Unlawful Practices .............................. 755-758.7 Article 5.2. Consumer Protection in Sales of Insurance by or Through Depository Institutions ................... 759-765 Article 5.3. Agents and Brokers ............................. 769-769.55 Article 5.4. Managing General Agents ..................... 769.80-769.87 Article 5.5. Insurance in Connection With Sales and Loans ...... 770-776 Article 5.7. Free Insurance ................................ 777.1-777.3 Article 5.8. Premium Financing ............................... 778-778.4 Article 5.9. Credit Life and Disability Insurance ......... 779.1-779.36 Article 6. Misrepresentation of Policies ....................... 780-784 Article 6.3. Senior Insurance ............................... 785-789.10 Article 6.5. Unfair Practices ............................... 790-790.15 Article 6.6. Insurance Information and Privacy Protection Act 791-791.28 Article 6.7. Joint Activities ................................ 795-795.7 Article 6.8. Claims Reviewers ............................ 796.01-796.04 Article 6.9. Underwriting of AIDS Risks ..................... 799-799.10 Article 7. Restrictions on Underwriting ........................ 800-804 Article 7.3. Servicing of Insurance Contracts ................... 810 Article 7.5. Restrictions on Compensation of Adjusters ......... 815-816 Article 8. Issue of Securities ................................. 820-860 Article 9. Registration of Insurers' Names ..................... 880-886 Article 10. Financial Statements of Insurers ................. 900-925.4 Article 10.1. California Insurance Community Investment .... 926.1-926.3 Article 10.3. Single Risk Limitation ............................ 928 Article 10.5. National Association of Insurance Commissioners .. 930-934 Article 11. Deposit of Securities .............................. 939-956 Article 13. Insolvency ......................................... 980-989 Article 13.3. Obligations of Automobile Insurers and Their Agents Under Contingent and Retrospective Compensation Arrangements ...................... 995-995.7 Article 13.5. Disability Insurance Reserves ..................... 997 Article 14. Proceedings in Cases of Insolvency and Delinquency 1010-1062 Article 14.2. California Insurance Guarantee Association .. 1063-1063.17 Article 14.25. Insurance Assessment Bond Fund .......... 1063.50-1063.68 Article 14.26. Workers' Compensation Bond Fund ......... 1063.70-1063.77 Article 14.3. Uniform Liquidation Act ................... 1064.1-1064.13 Article 14.5. Stop Order Power of the Commissioner ....... 1065.1-1065.7 Article 14.7. California Life and Health Insurance Guarantee Association ....................... 1067-1067.18 Article 14.8. Group Enrollment from Health Care Service Plans ........................................ 1068-1068.2 Article 15. Withdrawal of Insurers ........................... 1070-1076 Article 15.5. Administrative Supervision .................. 1077-1077.95 Article 16. Approval of Reinsurance Plans .................... 1080-1091 Article 17. Loans and Investments .......................... 1100-1107.1 Article 18. Multiple Insurer Operations ...................... 1110-1113 CHAPTER 2. INCORPORATED INSURERS Article 1. General ........................................... 1140-1142 Article 2. Restrictions on Activities ........................ 1152-1155 Article 3. General Investments ............................... 1170-1182 Article 3.5. Disclosure of Material Transactions ............. 1185-1187 Article 4. Property Authorized for Excess Funds Investments .. 1190-1202 Article 4.5. Leeway Law ......................................... 1210 Article 4.6. Hedging ......................................... 1211-1212 Article 4.7. Insurance Holding Company System Regulatory Act .......................................... 1215-1215.16 Article 4.8. Business Transacted with Producer Controlled Insurer ....................................... 1216-1216.6 Article 5. Life Insurance Policies ........................... 1220-1221 Article 5.5. Life Insurance Policy Loans ................... 1230-1239.5 Article 6. Foreign Investments ............................... 1240-1242 Article 7. Valuation of Investments .......................... 1250-1254 Article 8. Reinsurance Transactions ............................. 1260 CHAPTER 3. RECIPROCAL INSURERS Article 1. General Provisions ................................ 1280-1284 Article 2. Organization of Exchange .......................... 1300-1315 Article 3. Filing of Documents ............................... 1320-1330 Article 4. Certificate of Authority ........................ 1350-1350.5 Article 5. Finances .......................................... 1370-1375 Article 6. Assessment of Insurers ............................ 1390-1402 Article 7. Dividends ............................................ 1420 Article 8. Reports and Examination ........................... 1430-1434 Article 9. Suits ............................................. 1450-1453 Article 10. Policy .............................................. 1470 Article 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
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