California · Insurance Code

INS §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 insurance, as defined in Section 660, and

Civil

What this law says, in plain English

Automobile insurers must provide policyholders with specific rating and discount information at policy issuance, renewal, and upon request, using clear language with explanation of any codes or abbreviations.

Read the full statutory text
(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 insurance, as defined in Section 660, and in each renewal notice sent prior to the renewal of the policy. However, information described in paragraphs (1) and (2) of subdivision (b) may be provided to the policyholder separately upon request. The information shall not be presented as an abbreviation or code unless a key to the abbreviations or codes used is also included. (b) For each rated driver or vehicle, as applicable, the number of incidents or other relevant data that apply to each of the following categories: (1) Traffic convictions. (2) At-fault accidents (property damage or bodily injury). (3) Estimated annual mileage driven. (4) Years of driving experience. (5) Vehicle use (e.g., pleasure, commute, business). (6) ZIP Code of the location where the vehicle is garaged, if different from the mailing address of the policyholder. (7) Driver-related discounts applied. (8) Vehicle-related discounts or surcharges applied. (c) The disclosure of information required by this section may contain additional provisions that are not in conflict with, or derogation of, these provisions. (d) Each insurer shall comply with this section no later than March 1, 2004.

Verify at the official source: California legislative text

Facing this? Know exactly what happens next.

MOFRD turns this code section into your situation: the deadlines that apply to you, the forms your county uses, and the resolution paths people in your position actually take. Free for 3 days — no card required.

This page is legal information, not legal advice. Code text is sourced from official publications and may lag amendments — always confirm at the official source linked above. Plain-English summaries and relationship data are AI-derived and reviewed on an ongoing basis; verify with a licensed attorney before acting.