PART 1. THE CONTRACT [100. - 679.75.]

Part 1 enacted by Stats. 1935, Ch. 145.

§§ 100–679.75 · 232 sections

CHAPTER 1. Classes of Insurance §§ 100–124.5 · 29 sections
- § 100 Insurance in this state is divided into the following classes: (1) Life. (2) Fire. (3) Marine. (4) Title. (5) Surety. (6) Disability. (7) Plate glass. (8)…
- § 101 Life insurance includes insurance upon the lives of persons or appertaining thereto, and the granting, purchasing, or disposing of annuities.
- § 102 Fire insurance includes: (a) Insurance against loss by fire, lightning, windstorm, tornado, or earthquake. (b) Insurance against loss of, or destruction of, or…
- § 103 Marine insurance includes insurance against any and all kinds of loss of or damage to: (a) Vessels, craft, aircraft, cars, automobiles and vehicles of every…
- § 104 Title insurance means insuring, guaranteeing or indemnifying owners of real or personal property or the holders of liens or encumbrances thereon or others…
- § 105 Surety insurance includes: (a) The guaranteeing of behavior of persons and the guaranteeing of performance of contracts (including executing or guaranteeing…
- § 106 (a) Disability insurance includes insurance appertaining to injury, disablement or death resulting to the insured from accidents, and appertaining to…
- § 107 Plate glass insurance includes insurance against breakage of glass.
- § 108 Liability insurance includes: (a) Insurance against loss resulting from liability for injury, fatal or nonfatal, suffered by any natural person, or resulting…
- § 108.1 Insurers admitted to transact liability insurance are also deemed to be admitted to transact workers’ compensation insurance for the purpose of covering those…
- § 109 Workers’ compensation insurance includes insurance against loss from liability imposed by law upon employers to compensate employees and their dependents for…
- § 110 Common carrier liability insurance includes insurance against loss resulting from liability of a common carrier for accident or injury, fatal or nonfatal, to…
- § 111 Boiler and machinery insurance includes insurance against loss of property and liability for damage to persons or property from explosion of, or accident to,…
- § 112 Burglary insurance includes: (a) Insurance against loss by burglary or theft or both. (b) Insurance against loss of, or destruction of, or damage to, any of…
- § 113 Credit insurance includes insurance of persons engaged in business against loss by reason of extending credit to those dealing with them, and insurance against…
- § 114 Sprinkler insurance includes insurance against loss through damage by water to goods or premises arising from the breakage or leakage of sprinklers, pumps, or…
- § 115 Team and vehicle insurance includes insurance against loss through damage or legal liability for damage, to property caused by the use of teams or vehicles…
- § 116 (a) Automobile insurance includes insurance of automobile owners, users, dealers, or others having insurable interests therein, against hazards incident to…
- § 116.6 (a) Notwithstanding Section 116, a warranty issued by the warrantor of a vehicle protection product shall constitute an express warranty, as defined in Section…
- § 118 Aircraft insurance includes insurance of aircraft owners, users, dealers or others having insurable interests therein, against loss through hazards incident to…
- § 119 Mortgage guaranty insurance includes insurance against financial loss by reason of the nonpayment of principal, interest and other sums agreed to be paid under…
- § 119.5 Insolvency insurance includes insurance against loss arising from the failure of an insolvent insurer to discharge its obligations under its insurance policies.
- § 119.6 Legal insurance includes the assumption of a contractual obligation to reimburse the insured against all or a portion of his fees, costs, and expenses related…
- § 120 Miscellaneous insurance includes insurance against loss from damage done, directly or indirectly by lightning, windstorm, tornado, earthquake or insurance…
- § 121 Except as otherwise stated, the enumeration in this chapter of the kinds of insurance in a particular class does not limit any such kind to any one of such…
- § 122 (a) An insurer admitted for all the classes of insurance defined in Sections 102, 107, 108, 112, and 120 is authorized, in addition to the underwriting powers…
- § 123 An insurer admitted to transact liability insurance may extend such insurance on noncommercial or farm risks to include insurance of the legal liability of the…
- § 124 “Financial guaranty insurance” means that insurance as defined by Section 12100.
- § 124.5 “Homeowners’ insurance” means insurance covering the risks described in subdivision (a) of Section 675.
CHAPTER 1.5. Risk Retention §§ 125–140 · 14 sections
- § 125 This chapter shall be known and may be cited as the California Risk Retention Act of 1991.
- § 126 The Legislature finds and declares that the provisions of this chapter are for the purpose of providing a means for a bona fide for-profit or nonprofit…
- § 127 Unless the context otherwise requires, the general provisions hereinafter set forth shall govern the application of this chapter and supersede any other…
- § 128 The purposes of this chapter are as follows: (a) To regulate the formation and operation of risk retention groups and purchasing groups in this state formed…
- § 130 The following definitions govern this chapter: (a) “Commissioner” means the Insurance Commissioner of this state or the commissioner, director, or…
- § 131 (a) An entity seeking to be licensed in this state as a risk retention group shall be organized under the laws of this state and licensed as a liability…
- § 132 Risk retention groups chartered, incorporated, or licensed in states other than this state and seeking to do business as a risk retention group in this state…
- § 133 (a) No risk retention group shall be required or permitted to join or contribute financially to any insurance insolvency guaranty fund, or similar mechanism,…
- § 134 (a) A purchasing group that intends to do business in this state shall, prior to doing business, furnish to the commissioner notice, doing all of the…
- § 135 (a) No purchasing group may offer insurance policy coverage prohibited by Section 533.5 or declared invalid by the Supreme Court of California. (b) A…
- § 136 The powers authorized by this chapter shall only be exercised to the extent these powers are not preempted by the Product Liability Risk Retention Act of 1981,…
- § 137 (a) No person, firm, association, or corporation shall act or aid in any manner in soliciting, negotiating, or procuring liability insurance in this state from…
- § 138 There shall be no civil liability on the part of any agent or broker who places liability insurance coverage on behalf of any risk retention group which is…
- § 140 The commissioner may order a purchasing group or risk retention group to cease and desist from the solicitation or sale of insurance by, or the operations of,…
CHAPTER 2. Parties, Events, and Interests §§ 150–305 · 23 sections
1. ARTICLE 1. Parties to the Contract: Generally §§ 150–151 · 2 sections
  - § 150 Any person capable of making a contract may be an insurer, subject to the restrictions imposed by this code.
  - § 151 Any person except a public enemy may be insured.
2. ARTICLE 2. Parties to Contract: Mortgagor and Mortgagee §§ 170–172 · 3 sections
  - § 170 Unless the policy otherwise provides, if a mortgagor of property effects insurance in his own name providing that the loss shall be payable to the mortgagee,…
  - § 171 In case of such a provision or assignment, any act of the mortgagor, prior to the loss and which would otherwise avoid the insurance, will have the same…
  - § 172 If an insurer assents to the transfer of insurance from a mortgagor to a mortgagee, and, at the time of the assent, imposes further obligations on the…
3. ARTICLE 3. Events Subject to Insurance §§ 250–253 · 4 sections
  - § 250 Except as provided in this article, any contingent or unknown event, whether past or future, which may damnify a person having an insurable interest, or create…
  - § 251 A lottery or its outcome shall not be insured against.
  - § 252 A policy executed by way of gaming or wagering, is void.
  - § 253 On and after January 1, 1986, no insurer shall issue or amend contracts of insurance in this state to provide coverage for the payment of any damages awarded…
4. ARTICLE 4. Insurable Interest: Generally §§ 280–287 · 8 sections
  - § 280 If the insured has no insurable interest, the contract is void.
  - § 281 Every interest in property, or any relation thereto, or liability in respect thereof, of such a nature that a contemplated peril might directly damnify the…
  - § 282 An insurable interest in property may consist in: 1. An existing interest; 2. An inchoate interest founded on an existing interest; or, 3. An expectancy,…
  - § 283 A mere contingent or expectant interest in anything, not founded on an actual right to the thing, nor upon any valid contract for it, is not insurable.
  - § 284 Except in the case of a property held by the insured as a carrier or depositary, the measure of an insurable interest in property is the extent to which the…
  - § 285 A carrier or depositary of any kind has an insurable interest in a thing held by him as such, to the extent of its value.
  - § 286 An interest in property insured must exist when the insurance takes effect, and when the loss occurs, but need not exist in the meantime; an interest in the…
  - § 287 Every stipulation in a policy of insurance for the payment of loss whether the person insured has or has not any interest in the property insured, or that the…
5. ARTICLE 5. Insurable Interest: Effect of Transfer §§ 300–305 · 6 sections
  - § 300 Except in the cases specified in the next four sections, and in the cases of life and disability insurance, a change of interest in any part of a subject…
  - § 301 A change of interest in a subject insured, after the occurrence of an injury which results in a loss, does not affect the right of the insured to indemnity for…
  - § 302 A change of interest in one or more of several distinct subjects, separately insured by one policy, does not avoid the insurance as to the others.
  - § 303 A change of interest by will or succession, on the death of the insured, does not avoid insurance; and his interest in the insurance passes to the person…
  - § 304 In the case of partners, joint owners, or owners in common, who are jointly insured, a transfer of interest by one to another thereof does not avoid insurance,…
  - § 305 The mere transfer of subject matter insured does not transfer the insurance, but suspends it until the same person becomes the owner of both the insurance and…
CHAPTER 3. Negotiations Before Execution §§ 330–361 · 22 sections
1. ARTICLE 1. Concealment §§ 330–339 · 10 sections
  - § 330 Neglect to communicate that which a party knows, and ought to communicate, is concealment.
  - § 331 Concealment, whether intentional or unintentional, entitles the injured party to rescind insurance.
  - § 332 Each party to a contract of insurance shall communicate to the other, in good faith, all facts within his knowledge which are or which he believes to be…
  - § 333 Neither party to a contract of insurance is bound to communicate information of the matters following, except in answer to the inquiries of the other: 1. Those…
  - § 334 Materiality is to be determined not by the event, but solely by the probable and reasonable influence of the facts upon the party to whom the communication is…
  - § 335 Each party to a contract of insurance is bound to know: (a) All the general causes which are open to his inquiry equally with that of the other, and which may…
  - § 336 The right to information of material facts may be waived, either (a) by the terms of insurance or (b) by neglect to make inquiries as to such facts, where they…
  - § 337 Information of the nature or amount of the interest of one insured need not be communicated unless in answer to an inquiry, except as prescribed by section…
  - § 338 An intentional and fraudulent omission, on the part of one insured, to communicate information of matters proving or tending to prove the falsity of a…
  - § 339 Neither party to a contract of insurance is bound to communicate, even upon inquiry, information of his own judgment upon the matters in question.
2. ARTICLE 2. Representation §§ 350–361 · 12 sections
  - § 350 A representation may be oral or written.
  - § 351 A representation may be made at the time of, or before, issuance of the policy.
  - § 352 The language of a representation is to be interpreted by the same rules as contracts in general.
  - § 353 A representation as to the future is a promise, unless it is merely a statement of a belief or an expectation.
  - § 354 A representation cannot qualify an express provision in a contract of insurance; but it may qualify an implied warranty.
  - § 355 A representation may be altered or withdrawn before the insurance is effected, but not afterwards.
  - § 356 The completion of the contract of insurance is the time to which a representation must be presumed to refer.
  - § 357 When an insured has no personal knowledge of a fact, he may nevertheless repeat information which he has upon the subject, and which he believes to be true,…
  - § 358 A representation is false when the facts fail to correspond with its assertions or stipulations.
  - § 359 If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the…
  - § 360 The materiality of a representation is determined by the same rule as the materiality of a concealment.
  - § 361 The provisions of this chapter apply as well to a modification of a contract of insurance as to its original formation.
CHAPTER 4. The Policy §§ 380–460 · 37 sections
1. ARTICLE 1. Definition and Scope §§ 380–396 · 21 sections
  - § 380 The written instrument, in which a contract of insurance is set forth, is the policy.
  - § 381 A policy shall specify: (a) The parties between whom the contract is made. (b) The property or life insured. (c) The interest of the insured in property…
  - § 381.1 (a) The information described in subdivision (b) shall be provided to the policyholder at the time of application for, or issuance of, a policy of automobile…
  - § 381.2 When a policy includes coverage for loss or damage to a specific item of personal property of the insured, which item is separately listed and described and on…
  - § 381.5 (a) Every policy issued, amended, delivered, or renewed in this state shall provide coverage for the registered domestic partner of an insured or policyholder…
  - § 382 Covering notes may be issued to bind insurance temporarily pending the issuance of the policy. Within 90 days after issue of a covering note a policy shall be…
  - § 382.5 A binder which is issued in accordance with this section shall be deemed an insurance policy for the purpose of proving that the insured has the insurance…
  - § 383 It is a misdemeanor: (a) For any insurer, or any agent of any insurer, to issue a policy in violation of the requirements of subdivision (f) of section 381.…
  - § 383.5 “Document,” as used in this section, means a policy or a certificate evidencing insurance under a master policy. The policy or certificate shall conform to…
  - § 383.6 The phrase “motor vehicle” or “motor vehicles” as used in Section 383.5 includes, but is not limited to: (a) Trailers, house trailers, mobilehomes, campers and…
  - § 384 (a) A certificate of insurance or verification of insurance provided as evidence of insurance in lieu of an actual copy of the insurance policy shall contain…
  - § 386 All policies issued by incorporated insurers shall be subscribed by the president or vice president, or chairman, or chief executive officer, or, in case of…
  - § 387 When the name of the person intended to be insured is specified in a policy, it can be applied only to his own interest.
  - § 388 When an insurance contract is executed with an agent or trustee as the insured, the fact that his principal or beneficiary is the real party in interest may be…
  - § 389 To render an insurance effected by one partner or part-owner applicable to the interest of his copartners, or of other part-owners, it is necessary that the…
  - § 390 When the description of the insured in a policy is so general that it may comprehend any person or any class of persons, only he who can show that it was…
  - § 391 A policy may be so framed that it will inure to the benefit of whomsoever, during the continuance of the risk, becomes the owner of the interest insured.
  - § 392 Any exception from the risk generally covered by a policy of insurance which insures property for the period of time when such property is under the dominion…
  - § 394 (a) The commissioner may approve insurance policies and associated materials in languages other than English if the following conditions are met: (1) The…
  - § 395 After a covered loss, an insurer shall provide, free of charge, a complete copy of the insured’s current insurance policy or certificate within 30 calendar…
  - § 396 (a) An insurer shall do either of the following: (1) Maintain a verifiable process that allows a policyholder to designate in writing or by electronic…
2. ARTICLE 2. Types of Policies §§ 410–413 · 4 sections
  - § 410 A policy is either open or valued.
  - § 411 An open policy is one in which the value of the subject matter is not agreed upon, but is left to be ascertained in case of loss.
  - § 412 A valued policy is one which expresses on its face an agreement that the thing insured shall be valued at a specified sum.
  - § 413 A running policy is one which contemplates successive insurances, and which provides that the object of the policy may be from time to time defined, especially…
3. ARTICLE 3. Insurer’s Name on Policy § 430 · 1 section
  - § 430 The policies issued by every insurer shall be entitled by its own name or a name approved by the commissioner under Section 881 or 882, printed on each policy…
4. ARTICLE 4. Warranties §§ 440–449 · 10 sections
  - § 440 A warranty is either express or implied.
  - § 441 A statement in a policy of a matter relating to the person or thing insured, or to the risk, as a fact, is an express warranty thereof.
  - § 442 A particular form of words is not necessary to create a warranty.
  - § 443 Every express warranty made at or before the execution of a policy shall be contained in the policy itself, or in another instrument signed by the insured and…
  - § 444 A warranty may relate to the past, the present, the future, or to any or all of these.
  - § 445 A statement in a policy, which imports that there is an intention to do or not to do a thing which materially affects the risk, is a warranty that such act or…
  - § 446 When, before the time arrives for the performance of a warranty relating to the future, a loss insured against happens, or performance becomes unlawful at the…
  - § 447 The violation of a material warranty or other material provision of a policy, on the part of either party thereto, entitles the other to rescind.
  - § 448 Unless the policy declares that a violation of specified provisions thereof shall avoid it, the breach of an immaterial provision does not avoid the policy.
  - § 449 A breach of warranty without fraud merely exonerates an insurer from the time that it occurs, or where the warranty is broken in its inception, prevents the…
5. ARTICLE 5. Inception Hours § 460 · 1 section
  - § 460 On and after January 1, 1972, every printed form of an insurance contract, including every policy, endorsement, rider, or any amendment thereof issued in this…
CHAPTER 5. The Premium §§ 480–491 · 14 sections
- § 480 An insurer is entitled to payment of the premium as soon as the subject matter insured is exposed to the peril insured against.
- § 481 (a) Unless the insurance contract otherwise provides, a person insured is entitled to a return of his or her premium if the policy is canceled, rejected,…
- § 481.1 (a) In the event any conditional receipt, binder, or other evidence of temporary or implied insurance, except ocean marine insurance as defined in Section 481…
- § 481.5 (a) Whenever a policy of personal lines insurance terminates for any reason, or there is a reduction in coverage, the insurer shall tender the gross unearned…
- § 482 Except as provided by section 481, or by the insurance contract, if a peril insured against has existed, and the insurer has been liable for any period,…
- § 483 A person insured is entitled to a return of the premium: (a) When the contract is voidable, on account of the fraud or misrepresentation of the insurer. (b)…
- § 484 An acknowledgment in a policy of the receipt of premium is conclusive evidence of its payment, so far as to make the policy binding. Notwithstanding such…
- § 485 In case of an overinsurance by several insurers, the insured is entitled to a ratable return of the premium, proportioned to the amount by which the aggregate…
- § 486 When an overinsurance is effected by simultaneous policies, the insurers contribute to the premium to be returned in proportion to the amount insured by their…
- § 487 When an overinsurance is effected by successive policies, those only contribute to a return of the premium who are exonerated by prior insurance from the…
- § 488 No insurer shall, in issuing or renewing a private passenger automobile insurance policy, increase the premium on that policy for the reason that the insured…
- § 488.5 (a) An insurer shall not, in issuing or renewing a private automobile insurance policy to a peace officer, member of the Department of the California Highway…
- § 489 (a) Upon issuance of a policy of insurance described in Section 660, the insurer or its agent shall deliver to the named insured a notice explaining the manner…
- § 491 The rating plan of a motor vehicle liability insurer shall not provide for an increase in the premium if based upon an accident in which the insured is not at…
CHAPTER 5.2. Renewal Notices § 500 · 1 section
- § 500 Whenever any insurer has, as a regular course of conduct, sent renewal premium notices to an insured, and intends to discontinue that practice, it shall notify…
CHAPTER 5.3. Consumer Complaints § 510 · 1 section
- § 510 (a) Whenever a policy of insurance specified in Section 660 or 675, a policy of life insurance as defined in Section 101, a policy of disability insurance as…
CHAPTER 5.4. Proof of Coverage Disclosure § 515 · 1 section
- § 515 (a) (1) Notwithstanding any other law, an insurer issuing policies of automobile liability insurance or motor vehicle liability insurance shall, upon request…
CHAPTER 6. Loss §§ 520–580 · 21 sections
1. ARTICLE 1. Transfer of Interest After Loss § 520 · 1 section
  - § 520 An agreement not to transfer the claim of the insured against the insurer after a loss has happened, is void if made before the loss except as otherwise…
2. ARTICLE 2. Causes of Loss §§ 530–533.7 · 7 sections
  - § 530 An insurer is liable for a loss of which a peril insured against was the proximate cause, although a peril not contemplated by the contract may have been a…
  - § 530.5 If a loss or damage results from a combination of perils, one of which is a landslide, mudslide, mudflow, or debris flow, coverage shall be provided if an…
  - § 531 An insurer is liable: (a) Where the thing insured is rescued from a peril insured against, and which would otherwise have caused a loss, if, in the course of…
  - § 532 If a peril is specially excepted in a contract of insurance and there is a loss which would not have occurred but for such peril, such loss is thereby excepted…
  - § 533 An insurer is not liable for a loss caused by the wilful act of the insured; but he is not exonerated by the negligence of the insured, or of the insured’s…
  - § 533.5 (a) No policy of insurance shall provide, or be construed to provide, any coverage or indemnity for the payment of any fine, penalty, or restitution in any…
  - § 533.7 Notwithstanding any other law, an insurer may defend a duly licensed physician or surgeon against any cause of action involving the performance of any act for…
3. ARTICLE 3. Notice and Proofs of Loss §§ 550–557.5 · 8 sections
  - § 550 In case of loss upon an insurance against fire, an insurer is exonerated if notice thereof is not given to him without unnecessary delay by an insured or some…
  - § 551 Except in the case of life, marine, or fire insurance, notice of an accident, injury, or death may be given at any time within twenty days after the event, to…
  - § 552 When preliminary proof of loss is required by a policy, the insured is not bound to give such proof as would be necessary in a court of justice; but it is…
  - § 553 All defects in a notice of loss, or in preliminary proof thereof, which the insured might remedy, and which the insurer omits to specify to him, without…
  - § 554 Delay in the presentation to an insurer of notice or proof of loss is waived, if caused by an act of his, or if he omits to make objection promptly and…
  - § 555 If a policy requires, by way of preliminary proof of loss, the certificate or testimony of a person other than the insured or beneficiary, there is sufficient…
  - § 557 It is a misdemeanor for any person alone or in concert to prepare or make any bid or other writing which falsely purports to be a bona fide offer to repair a…
  - § 557.5 (a) A peace officer, member of the Department of the California Highway Patrol, or firefighter shall not be required to report, nor shall any employer of the…
4. ARTICLE 4. Payment of Automobile Collision Repairs § 560 · 1 section
  - § 560 (a) An insurer that issues a policy providing automobile collision coverage, as defined in subdivision (d) of Section 660, or automobile physical damage…
5. ARTICLE 5. Certain Insurance Covering Real Property §§ 570–572 · 3 sections
  - § 570 Except in the event that the insurer has previously obtained a release on a loss, each insurer which issues, amends, or renews, on or after January 1, 1975, a…
  - § 571 Where the insurer has authorized the work and its liability is not in dispute, the direct payment provided for by Section 570 shall be made to the contractor…
  - § 572 As used in this article, the term “loss payee” shall include, but not be limited to, any mortgagee of the insured real property.
6. ARTICLE 6. Electronic Payment of Claims § 580 · 1 section
  - § 580 Every insurer required to make payment for a loss, may, with the consent of the insured, make payment by an electronic funds transfer. An insurer may not…
CHAPTER 7. Double Insurance §§ 590–591 · 2 sections
- § 590 A double insurance exists where the same person is insured by several insurers separately in respect to the same subject and interest.
- § 591 In case of double insurance, the several insurers are liable to pay losses thereon as follows: (a) In fire insurance, each insurer shall contribute ratably,…
CHAPTER 8. Reinsurance §§ 620–623 · 4 sections
- § 620 A contract of reinsurance is one by which an insurer procures a third person to insure him against loss or liability by reason of such original insurance.
- § 621 A reinsurance is presumed to be a contract of indemnity against liability, and not merely against damage.
- § 622 Where an insurer obtains reinsurance, he must communicate all the representations of the original insured, and also all the knowledge and information he…
- § 623 The original insured has no interest in a contract of reinsurance.
CHAPTER 9. Rescission §§ 650–651 · 2 sections
- § 650 Whenever a right to rescind a contract of insurance is given to the insurer by any provision of this part such right may be exercised at any time previous to…
- § 651 Whenever an insurer gives notice of rescission of an automobile liability policy, upon request of the driver, the insurer, within 15 days of receipt of the…
CHAPTER 9.5. Filing of Certificates § 655 · 1 section
- § 655 Every insurer issuing policies of motor vehicle liability insurance within the meaning of Section 16450 of the Vehicle Code, automobile liability insurance…
CHAPTER 9.6. Reasons for Denial of Motor Vehicle Liability Insurance §§ 657–658 · 2 sections
- § 657 (a) Where any admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, or any licensed insurance…
- § 658 Where any admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, refuses to accept an applicant…
CHAPTER 10. Cancellation or Failure to Renew §§ 660–669.5 · 15 sections
- § 660 As used in this chapter: (a) “Policy” means an automobile liability, automobile physical damage, or automobile collision policy, or any combination thereof,…
- § 661 (a) A notice of cancellation of a policy shall be effective only if it is based on one or more of the following reasons: (1) Nonpayment of premium. (2) The…
- § 662 (a) (1) A notice of cancellation of a policy shall not be effective unless mailed or delivered by the insurer to the named insured, lienholder, or additional…
- § 662.1 Proof of mailing or delivery of a notice of cancellation to a lienholder or an additional interest on a policy to which this chapter applies shall be…
- § 663 (a) Before policy expiration, an insurer shall deliver to or mail to the named insured, at the address shown on the policy, one of the following: (1) At least…
- § 663.5 (a) No insurer shall fail to renew a policy solely on the basis of the age of the insured. (b) On and after January 1, 2000, no insurer shall fail to renew a…
- § 664 Proof of mailing of notice of cancellation, or of intention not to renew or of reasons for cancellation, to the named insured at the address shown in the…
- § 664.5 Any insurer who requires periodic physical examinations of an insured as a condition of renewal of a policy shall pay the cost of such physical examinations,…
- § 665 When a policy of automobile liability insurance is canceled, other than for nonpayment of premium, or in the event of failure to renew a policy of automobile…
- § 666 Where the reason for cancellation does not accompany or is not included in the notice of cancellation, the insurer shall upon written request of the named…
- § 667 There shall be no liability on the part of, and no cause of action of any nature shall arise against, the Insurance Commissioner or against any insurer, its…
- § 667.5 Unless a policy specifically provides otherwise, the cancellation of a policy, or any change in the policy, executed by an insurer, at the request of the named…
- § 668 Section 663 shall not apply to policies of liability insurance issued pursuant to assigned risk plans.
- § 669 Any insurer willfully violating any provisions of Section 663 is guilty of a misdemeanor and is punishable by a fine of not exceeding one thousand dollars…
- § 669.5 No insurer shall fail to renew any private automobile insurance policy of a peace officer, member of the California Highway Patrol, or firefighter, with…
CHAPTER 10.1. Certain Automobile Insurance § 669.7 · 1 section
- § 669.7 Notwithstanding Section 660, an insurer may deliver or issue an automobile liability, automobile physical damage, or automobile collision policy in this state…
CHAPTER 10.2. Prohibited Cancellations § 670 · 1 section
- § 670 (a) No admitted insurer licensed to issue motor vehicle liability policies, as defined in Section 16450 of the Vehicle Code, shall cancel, or refuse to renew,…
CHAPTER 10.25. Automobile Collision and Comprehensive Coverage § 671 · 1 section
- § 671 No insurer issuing an automobile collision policy, as defined in Section 660, or a policy for comprehensive coverage for an automobile, as defined in Section…
CHAPTER 10.27. Availability of Cost Estimates § 672 · 1 section
- § 672 (a) Every admitted insurer or insurer group licensed to sell automobile insurance shall provide consumers of personal automobile insurance, as described in…
CHAPTER 10.3. Cancellation of Policies When Premium Financed § 673 · 1 section
- § 673 (a) As used in this section, “exercise the right to cancel” means the act of formally electing to use the right of the insured to cancel any insurance policy…
CHAPTER 10.4. Prior Notice Concerning Cancellation or Nonrenewal §§ 674–674.9 · 4 sections
- § 674 A policy of liability insurance issued to a local public entity or state agency as a named insured shall not be canceled or renewal of such a policy declined…
- § 674.5 (a) No insurer shall cease to offer any particular class of commercial liability insurance without prior notification to the commissioner. (b) The department…
- § 674.6 (a) No insurer issuing policies of insurance subject to Section 674.5 or 675 shall cease to offer any particular line of coverage without prior notification to…
- § 674.9 (a) Notwithstanding subdivision (b) of Section 674.6, an insurer issuing policies of liability insurance to long-term health care facilities, residential care…
CHAPTER 11. Cancellation and Failure to Renew Certain Property Insurance §§ 675–679.7 · 27 sections
- § 675 (a) Except as provided in Sections 676.8 and 679.6, this chapter shall apply to policies of insurance, other than automobile insurance and workers’…
- § 675.1 (a) In the case of a total loss to the primary insured structure under a policy of residential property insurance subject to Section 675, the following…
- § 675.5 (a) In addition to any policy of insurance specified in Section 675, this chapter shall apply to policies of commercial insurance issued or issued for delivery…
- § 675.55 (a) (1) An insurer shall not cancel or refuse to renew a policy of commercial property insurance for a property located in any ZIP Code within or adjacent to…
- § 676 After a policy specified in Section 675 has been in effect for 60 days, or, if the policy is a renewal, effective immediately, no notice of cancellation shall…
- § 676.1 (a) The arbitrary cancellation of a policy of homeowners’ insurance solely on the basis that the policyholder has a license to operate a family day care home…
- § 676.2 (a) This section applies only to policies of commercial insurance that are subject to Section 675.5. (b) After a policy has been in effect for more than 60…
- § 676.3 Nothing in Section 676.2 shall preclude the imposition of remedial underwriting action upon coverage insuring dentists or physicians and surgeons against legal…
- § 676.4 Nothing in Section 676.2 shall preclude, while the policies are in force, changes in the rate upon which the premium is based or the conditions of coverage, or…
- § 676.5 (a) This section applies only to policies of commercial insurance which are subject to Section 675.5. (b) Except as provided in subdivision (c), for purposes…
- § 676.6 (a) This section applies to commercial umbrella liability insurance policies, commercial excess liability insurance policies, and commercial excess property…
- § 676.7 (a) No admitted insurer, licensed to issue and issuing homeowner’s or tenant’s policies, as described in Section 122, shall (1) fail or refuse to accept an…
- § 676.75 (a) No admitted insurer, licensed to issue and issuing homeowner’s or tenant’s policies, as described in Section 122, shall (1) fail or refuse to accept an…
- § 676.8 (a) This section applies only to policies of workers’ compensation insurance. (b) After a policy is in effect, a notice of cancellation shall not be effective…
- § 676.9 (a) This section applies to policies covered by Sections 675 and 675.5. (b) No insurer issuing policies subject to this section shall deny or refuse to accept…
- § 676.10 (a) This section applies to policies covered by Section 675, 675.5, or 676.5 if the insured is a religious organization described in clause (i) of subparagraph…
- § 677 (a) All notices of cancellation shall be in writing, mailed to the named insured at the address shown in the policy, or to the insured’s last known address,…
- § 677.2 (a) This section applies only to policies covered by Section 675.5. (b) A notice of cancellation shall be in writing and shall be delivered or mailed to the…
- § 677.4 A notice of cancellation with respect to a policy covered under Section 675 shall be delivered at least 20 calendar days prior to the effective date of the…
- § 678 (a) (1) At least 45 days before the policy expiration, an insurer shall deliver to the named insured or mail to the named insured at the address shown in the…
- § 678.1 (a) This section applies only to policies of insurance of commercial insurance that are subject to Sections 675.5 and 676.6. (b) A notice of nonrenewal shall…
- § 678.2 The provisions of subdivisions (c) and (e) of Section 678.1 which prohibit notice of nonrenewal earlier than 120 days in advance of the end of the policy…
- § 678.5 No policy specified in Section 675 that is issued, amended, or renewed on or after January 1, 1990, may be canceled, and an insurer may not refuse to renew…
- § 679 There shall be no liability on the part of, and no cause of action of any nature shall arise against, any insurer or its authorized representatives, agents, or…
- § 679.5 Proof of mailing of a notice of cancellation and the reasons therefor or of intention not to renew to the named insured at the address shown in the policy…
- § 679.6 The commissioner may, after hearing, exempt from the provisions of this chapter insurance in respect to any risk or class of risk that is eligible under…
- § 679.7 (a) Upon receiving a written request from an insured or the agent or broker of record where authorized by the insured, an insurer shall provide a premium and…
CHAPTER 11.5. Disclosure Requirements for Certain Property Insurance § 679.9 · 1 section
- § 679.9 If an insurer changes the annual premium under a policy specified in Section 675, it shall, within 15 business days of a request by the insured, inform the…
CHAPTER 12. Prohibition of Discriminatory Practices by Certain Admitted Insurers §§ 679.70–679.75 · 6 sections
- § 679.70 This chapter shall apply to policies of insurance, other than automobile insurance and workers’ compensation insurance, on risks located or resident in this…
- § 679.71 No admitted insurer that is licensed to issue any policy of insurance covered by this chapter shall fail or refuse to accept an application for, or to issue a…
- § 679.72 No application for insurance specified in this chapter or insurance investigation report furnished by an insurer to its agents or employees for use in…
- § 679.73 Nothing in this chapter shall prohibit use in an application for insurance specified in this chapter of a question asking for the birthplace of an applicant if…
- § 679.74 (a) An admitted insurer that is licensed to issue a policy of insurance upon real property of the type described in paragraph (1) of subdivision (a) of Section…
- § 679.75 To reduce underwriting risk and ensure solvency, an insurer providing insurance coverage pertaining to a private detention facility, as defined in subdivision…