INS

INSInsurance Code - INS

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DIVISION 1. GENERAL RULES GOVERNING INSURANCE

PART 1. THE CONTRACT

CHAPTER 1. Classes of Insurance

CHAPTER 1.5. Risk Retention

CHAPTER 2. Parties, Events, and Interests

ARTICLE 1. Parties to the Contract: Generally

ARTICLE 2. Parties to Contract: Mortgagor and Mortgagee

ARTICLE 3. Events Subject to Insurance

ARTICLE 4. Insurable Interest: Generally

ARTICLE 5. Insurable Interest: Effect of Transfer

CHAPTER 3. Negotiations Before Execution

ARTICLE 1. Concealment

ARTICLE 2. Representation

CHAPTER 4. The Policy

ARTICLE 1. Definition and Scope

ARTICLE 2. Types of Policies

ARTICLE 3. Insurer’s Name on Policy

ARTICLE 4. Warranties

ARTICLE 5. Inception Hours

CHAPTER 5. The Premium

CHAPTER 5.2. Renewal Notices

CHAPTER 5.3. Consumer Complaints

CHAPTER 5.4. Proof of Coverage Disclosure

CHAPTER 6. Loss

ARTICLE 1. Transfer of Interest After Loss

ARTICLE 2. Causes of Loss

ARTICLE 3. Notice and Proofs of Loss

ARTICLE 4. Payment of Automobile Collision Repairs

ARTICLE 5. Certain Insurance Covering Real Property

ARTICLE 6. Electronic Payment of Claims

CHAPTER 7. Double Insurance

CHAPTER 8. Reinsurance

CHAPTER 9. Rescission

CHAPTER 9.5. Filing of Certificates

CHAPTER 9.6. Reasons for Denial of Motor Vehicle Liability Insurance

CHAPTER 10. Cancellation or Failure to Renew

CHAPTER 10.1. Certain Automobile Insurance

CHAPTER 10.2. Prohibited Cancellations

CHAPTER 10.25. Automobile Collision and Comprehensive Coverage

CHAPTER 10.27. Availability of Cost Estimates

CHAPTER 10.3. Cancellation of Policies When Premium Financed

CHAPTER 10.4. Prior Notice Concerning Cancellation or Nonrenewal

CHAPTER 11. Cancellation and Failure to Renew Certain Property Insurance

CHAPTER 11.5. Disclosure Requirements for Certain Property Insurance

CHAPTER 12. Prohibition of Discriminatory Practices by Certain Admitted Insurers

PART 2. THE BUSINESS OF INSURANCE

CHAPTER 1. General Regulations

ARTICLE 1. Charter Requirements

ARTICLE 1.5. Retaliation

ARTICLE 1.7. Continuity of Management

ARTICLE 2. Capital Structure

ARTICLE 3. Certificate of Authority

ARTICLE 4. Examination by Commissioner

ARTICLE 4.1. Risk-Based Capital for Insurers

ARTICLE 4.5. Special Provisions Regarding Health Coverage

ARTICLE 4.7. Multiple Employer Welfare Arrangements

ARTICLE 5. Unlawful Referrals

ARTICLE 5.1. Unlawful Practices

ARTICLE 5.2. Consumer Protection in Sales of Insurance by or Through Depository Institutions

ARTICLE 5.3. Agents and Brokers

ARTICLE 5.4. Managing General Agents

ARTICLE 5.5. Insurance in Connection With Sales and Loans

ARTICLE 5.7. Free Insurance

ARTICLE 5.8. Premium Financing

ARTICLE 5.9. Credit Life and Disability Insurance

ARTICLE 6. Misrepresentation of Policies

ARTICLE 6.3. Senior Insurance

ARTICLE 6.5. Unfair Practices

ARTICLE 6.6. Insurance Information and Privacy Protection Act

ARTICLE 6.7. Joint Activities

ARTICLE 6.8. Claims Reviewers

ARTICLE 6.9. The Equal Insurance HIV Act

ARTICLE 7. Restrictions on Underwriting

ARTICLE 7.3. Servicing of Insurance Contracts

ARTICLE 7.5. Restrictions on Compensation of Adjusters

ARTICLE 8. Issue of Securities

ARTICLE 9. Registration of Insurers’ Names

ARTICLE 10. Financial Statements of Insurers

ARTICLE 10.1. California Insurance Community Investment

ARTICLE 10.2. Minority, Women, LGBT, Veteran, and Disabled Veteran Business Enterprises

ARTICLE 10.3. Single Risk Limitation

ARTICLE 10.4. Wildfire Risk Information Reporting

ARTICLE 10.5. National Association of Insurance Commissioners

ARTICLE 10.6. Own Risk and Solvency Assessment

ARTICLE 10.8. Corporate Governance Disclosure Act

ARTICLE 10.9. Zero-Emission Heavy-Duty Truck Data Reporting

ARTICLE 11. Deposit of Securities

ARTICLE 13. Insolvency

ARTICLE 13.3. Obligations of Automobile Insurers and Their Agents Under Contingent and Retrospective Compensation Arrangements

ARTICLE 13.5. Disability Insurance Reserves

ARTICLE 14. Proceedings in Cases of Insolvency and Delinquency

ARTICLE 14.2. California Insurance Guarantee Association

ARTICLE 14.26. California Insurance Guarantee Association Bond Funds

1063.70-1063.78

ARTICLE 14.3. Uniform Liquidation Act

ARTICLE 14.5. Stop Order Power of the Commissioner

ARTICLE 14.7. California Life and Health Insurance Guarantee Association

ARTICLE 14.8. Group Enrollment from Health Care Service Plans

ARTICLE 15. Withdrawal of Insurers

ARTICLE 15.5. Administrative Supervision

ARTICLE 16. Approval of Reinsurance Plans

ARTICLE 17. Loans and Investments

ARTICLE 18. Multiple Insurer Operations

CHAPTER 2. Incorporated Insurers

ARTICLE 1. General

ARTICLE 2. Restrictions on Activities

ARTICLE 3. General Investments

ARTICLE 3.5. Disclosure of Material Transactions

ARTICLE 4. Property Authorized for Excess Funds Investments

ARTICLE 4.5. Leeway Law

ARTICLE 4.6. Hedging

ARTICLE 4.7. Insurance Holding Company System Regulatory Act

ARTICLE 4.8. Business Transacted with Producer Controlled Insurer

ARTICLE 5. Life Insurance Policies

ARTICLE 5.5. Life Insurance Policy Loans

ARTICLE 6. Foreign Investments

ARTICLE 7. Valuation of Investments

ARTICLE 8. Reinsurance Transactions

CHAPTER 3. Reciprocal Insurers

ARTICLE 1. General Provisions

ARTICLE 2. Organization of Exchange

ARTICLE 3. Filing of Documents

ARTICLE 4. Certificate of Authority

ARTICLE 5. Finances

ARTICLE 6. Assessment of Insurers

ARTICLE 7. Dividends

ARTICLE 8. Reports and Examination

ARTICLE 9. Suits

ARTICLE 10. Policy

ARTICLE 11. Rebates

ARTICLE 12. Agents and Brokers

ARTICLE 13. Penalties

ARTICLE 14. Tax Provisions

ARTICLE 15. Merger

ARTICLE 16. Merger of Certain Reciprocal Insurers

ARTICLE 17. Conversion of Certain Reciprocal Insurers to Incorporated Stock Insurers

CHAPTER 4. Foreign Insurers

ARTICLE 1. Conditions of Doing Business

ARTICLE 2. Alien Insurers

ARTICLE 3. Agent for Service of Process

ARTICLE 4. Actions Against Nonadmitted Insurers

ARTICLE 4.5. Unauthorized Insurers False Advertising Process Act

CHAPTER 5. Production Agencies

ARTICLE 1. Definitions

ARTICLE 2. Comprehensive Definitions

ARTICLE 3. Licensing

ARTICLE 4. Applications

ARTICLE 5. Bonds

ARTICLE 6. License Qualifications

ARTICLE 7. License Qualification Examinations

ARTICLE 8. Certificates of Convenience

ARTICLE 9. Issuance of Licenses

ARTICLE 10. Termination of Licenses

ARTICLE 11. License Terms

ARTICLE 12. Conduct of Licensee

ARTICLE 13. Disciplinary Actions

ARTICLE 13.5. Prelicensing and Continuing Education

ARTICLE 14. Fees

ARTICLE 15. Travel Insurance Agents

ARTICLE 15.5. Cargo Shippers’ Agents

ARTICLE 16. Variable Contract Agents

ARTICLE 16.1. Portable Electronics Insurance

1758.6-1758.693

ARTICLE 16.3. Self-Service Storage Agents

1758.7-1758.792

ARTICLE 16.6. Car Rental Agents

1758.8-1758.891

ARTICLE 16.7. Credit Insurance Agents

1758.9-1758.993

CHAPTER 5A. Administrators

CHAPTER 6. Surplus Line Brokers

CHAPTER 6.1. Surplus Line Advisory Organization

1780.50-1780.67

CHAPTER 6.5. Reinsurance Intermediaries

CHAPTER 7. Bail Licenses

ARTICLE 1. Qualification and Licensing

CHAPTER 8. Life and Disability Insurance Analysts

CHAPTER 9. Rates and Rating and Other Organizations

ARTICLE 1. Purpose and Scope of Chapter

ARTICLE 2. Making and Use of Rates

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

ARTICLE 5. Joint Underwriting and Joint Reinsurance

ARTICLE 6. Records and Examinations

ARTICLE 6.5. Recording and Reporting of Loss and Expense Experience

ARTICLE 7. Hearings, Procedure and Judicial Review

ARTICLE 8. Penalties

ARTICLE 9. Miscellaneous

ARTICLE 10. [Reduction and Control of Insurance Rates]

1861.01-1861.16

CHAPTER 10. Child Care Insurance Act

CHAPTER 10.5. Risk Retention

CHAPTER 12. The Insurance Frauds Prevention Act

ARTICLE 1. False and Fraudulent Claims

ARTICLE 2. Bureau of Fraudulent Claims

ARTICLE 3. Insurance Fraud Reporting

ARTICLE 4. Motor Vehicle Theft and Motor Vehicle Insurance Fraud Reporting

ARTICLE 4.5. Insurer Inspections

1874.85-1874.87

ARTICLE 4.6. Auto Insurance Fraud Crisis Areas

ARTICLE 5. Arson Investigations

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

ARTICLE 7. Workers’ Compensation Insurance Fraud Reporting

ARTICLE 8. Insurance Fraud Prevention