California

Insurance Code

4,514 sections, each with the official text and a plain-English explanation of what it means for you.

• § 1872.51 — (a) An agent or broker who furnishes written or oral information pursuant to Section 1872.
• § 1872.6 — Nothing contained in this article shall: (a) Preempt the authority of other law enforcement or licensing agencies to investigate and prosecute suspected violations of law.
• § 1872.8 — (a) An insurer doing business in this state shall pay an annual special purpose assessment to be determined by the commissioner, but not to exceed one dollar ($1) annually, for each vehicle insured un
• § 1872.81 — In addition to the special purpose assessment imposed pursuant to Section 1872.
• § 1872.83 — (a) The commissioner shall ensure that the Fraud Division aggressively pursues all reported incidents of probable workers’ compensation fraud, as defined in Sections 11760 and 11880, and in subdivisio
• § 1872.84 — The commissioner shall ensure that the Fraud Division forwards to the appropriate disciplinary body, in addition to the names and supporting evidence of individuals described in subdivision (a) of Sec
• § 1872.85 — (a) Every admitted disability insurer or other entity liable for any loss due to health insurance fraud doing business in this state shall pay an annual special purpose assessment to be determined by
• § 1872.86 — (a) An insurer doing business in this state shall pay an annual special purpose assessment to be determined by the commissioner, not to exceed five thousand one hundred dollars ($5,100), to be used ex
• § 1872.87 — (a) Each insurer required to pay special purpose assessments pursuant to Sections 1872.
• § 1872.9 — The Fraud Division shall annually compile and report, as a part of the commissioner’s annual report as required by Section 12922, the following information: (a) The number of cases reported to the div
• § 1872.95 — (a) Within existing resources, the Medical Board of California, the Board of Chiropractic Examiners, and the State Bar shall each designate employees to investigate and report on possible fraudulent a
• § 1872.96 — The commissioner shall prepare an annual report, which shall be a public record, with respect to the receipts, expenditures, and activities of the Fraud Division for the year just ended.
• § 1873 — (a) Upon written request to an insurer by officers designated in subdivisions (a) and (b) of Section 830.
• § 1873.1 — Any information acquired pursuant to this article shall not be a part of any public record.
• § 1873.2 — In the absence of fraud or malice, no insurer, or any employee or agent authorized by an insurer to act on behalf of the insurer, and no authorized governmental agency or its respective employees, sha
• § 1873.3 — (a) For purposes of this article and Article 2 (commencing with Section 1872), “insurance fraud” does not include motor vehicle theft and motor vehicle insurance fraud reporting subject to the provisi
• § 1873.4 — Any or all information released or received by an authorized governmental entity pursuant to Section 1873 or 1873.
• § 1874 — This article shall be known and may be cited as the Motor Vehicle Theft and Motor Vehicle Insurance Fraud Reporting Act.
• § 1874.1 — The following definitions govern the construction of this article, unless the context requires otherwise: (a) “Authorized governmental agency” means the Department of the California Highway Patrol, th
• § 1874.2 — (a) Upon written request to an insurer by an authorized governmental agency, an insurer or agent authorized by that insurer to act on behalf of the insurer, shall release to the requesting authorized
• § 1874.3 — (a) Any information acquired pursuant to this article shall not be a part of any public record.
• § 1874.4 — In the absence of fraud or malice, no insurer, or agent authorized by an insurer to act on behalf of the insurer, and no authorized governmental agency or its employees, shall be subject to any civil
• § 1874.6 — Every insurer shall report covered private passenger automobiles involved in theft and salvage total losses, including the vehicle identification number and any other information as may be required, t
• § 1874.8 — (a) Each insurer doing business in this state shall pay an annual special purpose assessment to be determined by the commissioner in an amount not to exceed fifty cents ($0.
• § 1874.85 — An insurer that issues automobile liability or collision policies shall inspect vehicles for which it has approved a claim for the cost of auto body repairs, either during the repair process or after
• § 1874.86 — Each insurer subject to this article shall report, at the request of the commissioner, but not more than annually, to the department on the following: (a) The number of vehicles inspected pursuant to
• § 1874.87 — (a) Each insurer subject to this article shall provide each insured with an Auto Body Repair Consumer Bill of Rights either at the time of application for an automobile insurance policy or following a
• § 1874.90 — The commissioner may declare any region of the state as an auto insurance fraud crisis area upon making a finding that auto insurance fraud is endemic to the area.
• § 1875 — As used in this chapter: (a) “Authorized agency” means any of the following officers or agencies, or their duly authorized representatives, when investigating or prosecuting arson in connection with a
• § 1875.1 — An authorized agency may, when there is evidence or suspicion that the crime of arson has been committed, request any insurer to release all information in its possession that the authorized agency de
• § 1875.10 — The Legislature finds and declares as follows: (a) That the business of insurance involves many transactions which have potential for abuse and illegal activities.
• § 1875.11 — (a) No insurance claims analysis bureau shall conduct any operations in this state without first filing a written application with the commissioner and obtaining a license to act in that capacity.
• § 1875.12 — (a) The commissioner may license an organization as an insurance claims analysis bureau if it meets the following qualifications: (1) Is a nonprofit corporation organized for the purpose of fraud prev
• § 1875.13 — The commissioner shall license an insurance claims analysis bureau by class of claims, if an insurance claims analysis bureau makes application and is appropriately qualified, for the following classe
• § 1875.14 — An insurance claims analysis bureau shall perform the following functions: (a) Collect and compile information and data from members or subscribers concerning insurance claims.
• § 1875.15 — (a) A licensed insurance claims analysis bureau shall develop rules governing the kind, quality, and frequency of data reporting, which shall be binding on all subscribers or members.
• § 1875.16 — Unless otherwise provided by law, any authorized entity which receives any information furnished pursuant to this article shall not release that information to public inspection (1) until such time as
• § 1875.17 — On or before May 1, 1992, and on or before May 1 of each year thereafter, any licensed insurance claims analysis bureau shall file with the department a report on the scope and extent of its activitie
• § 1875.18 — (a) Every bodily injury, medical payment, or uninsured motorist claim made under a policy of automobile insurance shall be available, upon request, to law enforcement agencies in this state, whenever
• § 1875.2 — If any insurer has reason to suspect that a fire loss was caused by incendiary means, the insurer shall furnish an authorized agency with all relevant information acquired during its investigation of
• § 1875.20 — Every insurer admitted to do business in this state, except those otherwise exempted in this code, shall provide for the continuous operation of a unit or division to investigate possible fraudulent c
• § 1875.21 — Insurers may maintain the unit or division required by this article using its employees or by contracting with others for that purpose.
• § 1875.22 — Insurers shall establish the unit or division required by this article no later than July 1, 1992.
• § 1875.23 — For purposes of this article, “unit or division” may include the assignment of fraud investigation to employees whose principal responsibilities are the investigation and disposition of claims.
• § 1875.24 — (a) If after examination, or upon the basis of other information, the commissioner has good cause to believe that an insurer to whom the provisions of this article apply does not comply with the requi
• § 1875.3 — An authorized agency shall notify the insurer, if known, and at the expense of the insurer, whenever it has reason to believe that a fire loss was not accidentally caused.
• § 1875.4 — In the absence of fraud or malice, no insurer or person acting in its behalf who (a) furnishes information whether oral or written, pursuant to this article, or (b) assists in any investigation conduc
• § 1875.5 — In any case in which an insurer willfully fails to comply with this article, the authorized agency may petition the superior court in an appropriate county for an order requiring compliance.
• § 1875.6 — Any authorized agency that receives any information furnished as required by this article shall not make the information public until the time that its release is required in connection with a crimina
• § 1875.8 — (a) There is hereby created the Arson Information Reporting System to permit insurers, law enforcement agencies, fire investigative agencies, and district attorneys to deposit arson case information i
• § 1876 — Every insurer who receives a bodily injury, medical payment, or uninsured motorist claim made under a policy of automobile liability insurance defined in Section 660 or Section 11622 shall within 20 d
• § 1876.3 — Any information acquired pursuant to this article shall not be part of any public record except as follows: Except as otherwise provided by law, any authorized governmental agency, and insurer, or an
• § 1876.4 — No insurer, or the employees or agents of any insurer, shall be subject to civil liability for libel, slander, or any other tort cause of action arising from the deposit or furnishing of any informati
• § 1876.5 — As used in this article, “authorized governmental agency” and “insurer” have the same meaning as is given by Section 1874.
• § 1877 — This article shall be known and may be cited as the Workers’ Compensation Insurance Fraud Reporting Act.
• § 1877.1 — The following definitions govern the construction of this article, unless the context requires otherwise: (a) “Authorized governmental agency” means the district attorney of any county, any city attor
• § 1877.2 — For the purposes of this article, “authorized governmental agency” includes, in addition to the entities listed in subdivision (a) of Section 1877.
• § 1877.3 — (a) Upon written request to an insurer or a licensed rating organization by an authorized governmental agency, an insurer, an agent authorized by that insurer, or a licensed rating organization to act
• § 1877.35 — (a) The Public Employees’ Retirement System may request information from an insurer for any specific investigation of eligibility for, and unlawful application or receipt of, benefits provided under P
• § 1877.4 — (a) Any information acquired pursuant to this article shall not be a part of the public record.
• § 1877.5 — No insurer, agent authorized by an insurer to act on its behalf, or licensed rating organization who furnishes information, written or oral, pursuant to this article, and no authorized governmental ag
• § 1879 — The purpose of this article is to confront aggressively the problem of insurance fraud in this state by facilitating the detection of insurance fraud, eliminating the occurrence of fraud through the d
• § 1879.1 — (a) The commissioner or their designated deputy commissioner may convene meetings with representatives of insurance companies or representatives of self-insured employers to discuss specific informati
• § 1879.3 — The commissioner shall appoint supervisory and investigatory personnel within the bureau.
• § 1879.4 — (a) The Chief of the Fraud Division and those investigators designated by him or her may expend funds to conduct undercover activities, employ civilian operatives, or in any other manner not prohibite
• § 1879.5 — (a) Any person who believes that a violation of this article has been or is being made may notify the department immediately after discovery of the alleged violation and may send to the department, on
• § 1879.6 — The commissioner may adopt administrative regulations as he or she deems necessary for the effective implementation of this article.
• § 1879.7 — The commissioner shall report annually to the Legislature as to the activities of the department and the cost-effectiveness of the programs established pursuant to this article.
• § 1879.8 — Nothing in this article shall be construed to preclude the applicability of any other provision of civil or criminal law that applies to any act committed or alleged to have been committed by any pers
• § 1880 — The owner of a ship has in all cases an insurable interest in it, even when it has been chartered by one who agrees to pay him its value in case of loss.
• § 1881 — The insurable interest of the owner of a ship hypothecated by bottomry is only the excess of its value over the amount secured by bottomry.
• § 1882 — Freightage, in marine insurance, signifies all the benefit derived by the owner, either from the chartering of the ship or its employment for the carriage of his own goods or those of others.
• § 1883 — The owner of a ship has an insurable interest in expected freightage which he would have certainly earned but for the intervention of a peril insured against.
• § 1884 — The interest mentioned in the last section exists, in the case of a charter party, when the ship has broken ground on the chartered voyage.
• § 1885 — In marine insurance, a person who has an interest in the thing from which profits are expected to proceed, has an insurable interest in the profits.
• § 1886 — The charterer of a ship has an insurable interest in it, to the extent that he is liable to be damaged by its loss.
• § 19 — “Person” means any person, association, organization, partnership, business trust, limited liability company, or corporation.
• § 1900 — In marine insurance each party is bound to communicate, in addition to what is required in the case of other insurance: (a) All the information which he possesses and which is material to the risk, ex
• § 1901 — In marine insurance, information of the belief or expectation of a third person in reference to a material fact, is material.
• § 1902 — A person insured by a contract of marine insurance is presumed to have, at the time of insuring, knowledge of a prior loss, if the information might possibly have reached him in the usual mode of tran
• § 1903 — In marine insurance, concealment in respect to any of the following matters does not vitiate the entire contract, but merely exonerates the insurer from a loss resulting from the risk concealed: (a) T
• § 1904 — In marine insurance, if a representation by the insured is intentionally false in any respect, whether material or immaterial, the insurer may rescind the entire contract.
• § 1905 — The failure of subsequent circumstances to conform to a representation as to expectation does not, in the absence of fraud, avoid marine insurance.
• § 1920 — In every marine insurance upon a ship or involving transportation by ship, a warranty is implied that the ship is seaworthy.
• § 1921 — A ship is seaworthy when reasonably fit to perform the services and encounter the ordinary perils of the voyage contemplated by the parties to the policy.
• § 1922 — An implied warranty of seaworthiness is complied with if the ship is seaworthy at the time of the commencement of the risk, except in the following cases: (a) When the insurance is made for a specifie
• § 1923 — A warranty of seaworthiness extends not only to the condition of the structure of the ship itself, but also requires that it be properly laden and provided with: (a) A competent master.
• § 1924 — Where any portion of the voyage contemplated by a policy differs from other portions in respect to the things requisite to make the ship seaworthy therefor, a warranty of seaworthiness is complied wit
• § 1925 — When a ship becomes unseaworthy during the voyage, an unreasonable delay in repairing the defect exonerates the insurer from liability on any loss arising from the defect.
• § 1926 — A ship may be seaworthy for the purpose of insurance upon itself and, at the same time, unseaworthy for the purpose of insurance upon the cargo because of unfitness to receive the cargo.
• § 1927 — Where the nationality or neutrality of a ship or cargo is expressly warranted, it is implied that: (a) The ship will carry the requisite documents to show such nationality or neutrality.
• § 1940 — When the voyage contemplated by marine insurance is described by the places of beginning and ending, the voyage insured is one which conforms to the course of sailing fixed by mercantile usage between
• § 1941 — If the course of sailing is not fixed by mercantile usage, the voyage insured by marine insurance is that way between the places specified which, to a master of ordinary skill and discretion, would se
• § 1942 — Deviation is: (a) A departure from the course of the voyage insured.
• § 1943 — A deviation is proper: (a) When caused by circumstances over which neither the master nor the owner of the ship has any control.
• § 1944 — Every deviation not specified in the last section is improper.
• § 1945 — An insurer is not liable for any loss happening to the subject matter of marine insurance after an improper deviation.
• § 1960 — A loss is either total or partial.
• § 1961 — A total loss is either actual or constructive.
• § 1962 — An actual total loss is caused by: (a) A total destruction of the subject matter of insurance.
• § 1963 — A constructive total loss is one which gives to a person insured a right to abandon, under section 1971.
• § 1964 — An actual loss may be presumed from the continued absence of a ship without being heard of.
• § 1965 — When a ship is prevented, at an intermediate port and by the perils insured against, from completing the voyage, the master shall make every exertion to procure, in the same or a contiguous port, anot
• § 1966 — In addition to the liability mentioned in section 1965, a marine insurer is liable, up to the amount insured, for damages, expenses of discharging, storage, reshipment, extra freightage, and all other
• § 1967 — Upon an actual total loss, the insured is entitled to payment without notice of abandonment.
• § 1968 — Where it has been agreed that an insurance upon a particular subject matter, or class of subject matter, is to be free from particular average, a marine insurer is not liable for any particular averag
• § 1969 — When insurance is confined in its terms to an actual total loss, it does not cover a constructive total loss, but it does cover any loss which necessarily results in depriving the insured of the posse
• § 1970 — Abandonment, in marine insurance, is the act of the insured by which, after a constructive total loss, he declares the relinquishment to the insurer of the insured’s interest in the subject matter.
• § 1971 — In marine insurance, after abandonment of the subject matter of insurance or of any particular portion thereof which is separately valued by the policy or otherwise separately insured, in a case where
• § 1972 — An abandonment can not be either partial or conditional.
• § 1973 — An abandonment can be made only at a time limited by all of the following: (a) Within a reasonable time after the information of the loss.
• § 1974 — Where the information upon which an abandonment has been made proves incorrect, or the subject matter of insurance is so far restored when the abandonment is made that there is in fact no total loss,
• § 1975 — Abandonment is made by giving oral or written notice thereof to the insurer.
• § 1976 — A notice of abandonment shall be explicit, and shall specify the particular cause of the abandonment, but need state only enough to show that there is probable cause therefor, and need not be accompan
• § 1977 — An abandonment can be sustained only upon the cause specified in the notice thereof.
• § 1978 — An abandonment is equivalent to a transfer to the insurer of the insured’s interest, with all the chances of recovery and indemnity.
• § 1979 — Whenever a marine insurer pays for a loss as if it were an actual total loss, he is entitled to whatever remains of the subject matter insured, or its proceeds or salvage, to the same extent as in the
• § 1980 — Upon an abandonment, acts done subsequent to the loss and in good faith by persons who at the time were the insured’s agents in respect to the subject matter insured, are at the risk of the insurer, a
• § 1981 — An acceptance of an abandonment is not necessary to the rights of the insured, and is not to be presumed from the mere silence of the insurer at the time of receiving notice of abandonment.
• § 1982 — The acceptance of an abandonment, whether express or implied, is conclusive upon the parties and admits the loss and the sufficiency of the abandonment.
• § 1983 — An abandonment once made and accepted is irrevocable, unless the ground upon which it was made proves to be unfounded.
• § 1984 — On an accepted abandonment of a ship, freightage earned previous to the loss belongs to the insurer of the freightage; but freightage subsequently earned belongs to the insurer of the ship.
• § 1985 — If an insurer refuses to accept a valid abandonment, he is liable as upon an actual total loss, after deducting from the amount of the loss any proceeds of the insured subject matter which have come t
• § 1986 — If an insured omits to abandon, he may nevertheless recover his actual loss.
• § 1987 — (a) A valuation fraudulent in fact entitles a marine insurer to rescind the contract.
• § 1988 — In a case of partial loss, a marine insurer is liable only for such proportion of the amount insured by him as the loss bears to the value of the whole interest of the insured in the subject matter.
• § 1989 — Where profits are separately insured in marine insurance, in case of loss the insured is entitled to recover that proportion of such profits which the value of the subject matter lost bears to the val
• § 1990 — In case of a valued policy of marine insurance on freightage or cargo, if only a part of the subject matter is exposed to risk, the valuation applies only in proportion to such part.
• § 1991 — When profits are valued and insured by marine insurance, a loss of them is conclusively presumed from a loss of the property out of which they were expected to arise, and the valuation fixes their amo
• § 1992 — In estimating a loss under an open policy of marine insurance, the following rules are to be observed: (a) The value of a ship is its value at the beginning of the risk, including all articles or char
• § 1993 — If cargo insured against partial loss arrives at the port of destination in a damaged condition, the loss of the insured is computed as follows: (a) Deduct the market price, at port of destination, of
• § 1994 — A marine insurer is liable for all the expense attendant upon a loss which forces the ship into port to be repaired.
• § 1995 — In marine insurance, when an insured is required to make a contribution in respect to the subject matter of insurance toward a general average loss, if the average was called for on a loss by a peril
• § 1996 — In marine insurance, where an insured has a demand against others for contribution, he may claim the whole loss from the insurer, subrogating the insurer to the insured’s right to contribution.
• § 1997 — In the case of a partial loss of a ship or its equipments, the old materials are to be applied towards payment for the new.
• § 2 — The provisions of this code in so far as they are substantially the same as existing statutory provisions relating to the same subject matter shall be construed as restatements and continuations there
• § 20 — “Commissioner” means the Insurance Commissioner of this State.
• § 20.5 — Whenever in this code the terms “State Industrial Accident Commission” or “Industrial Accident Commission” or “commission,” relating to the said “State Industrial Accident Commission” or the said “Ind
• § 2010 — The provisions of Sections 481, 800, 801, 802, 803, and 804 shall not apply to ocean marine insurance as defined in Section 481.
• § 2030 — An insurer is entitled to rescind a contract of fire insurance upon an alteration in the use or condition of the subject matter insured from that to which it is limited by the policy, when such altera
• § 2031 — When a contract of fire insurance does not restrict use or condition of insured subject matter, such contract is not affected by an alteration in such use or condition if the alteration does not incre
• § 2032 — After the execution of a contract of fire insurance, an act of the insured does not affect the contract unless the act violates policy provisions, even though such act increases the risk and causes a
• § 2033 — (a) The California Safe Homes grant program is hereby established to be developed and administered by the department for the purpose of achieving the following goals: (1) Reducing local and statewide
• § 2050 — The effect of a valuation in a fire policy is the same as in a marine policy.
• § 2051 — (a) Under an open policy, the measure of indemnity in fire insurance is the expense to the insured of replacing the thing lost or injured in its condition at the time of the injury, the expense being
• § 2051.5 — (a) (1) Under an open policy that requires payment of the replacement cost for a loss, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lo
• § 2052 — Whenever the insured desires to have a valuation named in his policy insuring any building or structure against fire, he may require such building or structure to be examined by the insurer and the va
• § 2053 — A clause shall be inserted in such a valued policy, stating substantially that the value of the insured’s interest in the insured building or structure has been thus fixed.
• § 2054 — In the absence of any change increasing the risk without the consent of the insurer or of fraud on the part of the insured, and except as provided in Sections 2056 and 2058, the insurer under such a v
• § 2055 — Except as provided by section 2056, the insurer shall not be required to pay more than the amount stated in such a valued policy.
• § 2056 — Stipulations in a valued policy concerning the repairing, rebuilding or replacing of buildings or structures wholly or partially damaged or destroyed shall prevail over the provisions of sections 2054
• § 2057 — Under a contract of fire insurance, payment to the insured shall be made within 30 days after the amount of the loss and the liability of the company have been agreed upon or settled by the insured an
• § 2058 — Notwithstanding any other provision of law, if a loss arising out of fire is rebuilt or replaced, an insured covered by a valued policy shall receive full payment for the loss up to the face amount of
• § 2060 — (a) In the event of a loss under a homeowners’ insurance policy for which the insured has made a claim for additional living expenses, the insurer shall provide the insured with a list of items that t
• § 2061 — (a) In the event of a covered loss relating to a state of emergency, as defined in Section 8558 of the Government Code, the following special provisions shall apply under a residential property insura
• § 2062 — In the event of a state of emergency, as defined in Section 8558 of the Government Code, an insurer shall offer a 60-day grace period for payment of premiums for residential property insurance policie
• § 2070 — All fire policies on subject matter in California shall be on the standard form, and, except as provided by this article shall not contain additions thereto.
• § 2070.1 — (a) Any insurer whose insured has made a claim under his or her residential fire or property insurance policy for loss due, in whole or in part, to corrosive soils shall, at least 30 days before the e
• § 2071 — (a) The following is adopted as the standard form of fire insurance policy for this state: California Standard Form Fire Insurance Policy No.
• § 2071.1 — (a) This section applies to an examination of an insured under oath pursuant to Section 2071 labeled “Requirements in case loss occurs” and other relevant provisions of that section, and to any policy
• § 2072 — The policy is not required to be used for reinsurance between insurers.
• § 2073 — The policy shall be plainly printed.
• § 2074 — Either the blanks in the standard form or those in an endorsement attached thereto shall be appropriately filled.
• § 2074.5 — In lieu of showing the term of coverage in the form set forth in Section 2071, the standard form policy may show the term in any form which clearly states the period during which the insurance is to c
• § 2074.6 — In lieu of showing the attestation clause and official signatures in the form as set forth in Section 2071, the standard form policy may show, immediately following the policy provisions, the followin
• § 2074.7 — Notwithstanding the provisions of Section 2071 granting the right to both insured and insurer to cancel a policy of insurance, or the provisions of any policy conforming to that section, the right of
• § 2074.8 — Notwithstanding any of the other provisions of Sections 2071 and 6010, those paragraphs in Sections 2071 and 6010 captioned “Cancellation of policy” may, in any policy subject to Chapter 11 (commencin
• § 2074.9 — During such time as countersignatures are not required by law, the provisions of Section 2071 requiring policies to make provision for countersignatures shall not be in effect and an insurer may omit
• § 2075 — By special agreement indorsed on the policy or added thereto, the provisions regarding appraisement or apportionment of loss may be waived and the valuations of all or any of the insured subject matte
• § 2076 — The insurer may add to the standard form any matter relating to its financial condition, directors, officers, shareholders and history, and the address of its home office and principal office in the U
• § 2077 — The insurer may add to the standard form, in red ink, any provisions required or permitted in its policies by the State or country of its organization, respecting limitation of liability of the insure
• § 2078 — There may be added to the standard form, clauses providing for and defining the rights, duties and obligations of mortgagees, assignees and other parties having or acquiring an interest in, right to,
• § 2079 — Clauses may be added to the standard form: (a) Covering subject matter and risks not otherwise covered; provided that clauses covering loss or damage caused by nuclear reaction, nuclear radiation or r
• § 2080 — Except as otherwise provided in this article, clauses imposing specified duties and obligations upon the insured and limiting the liability of the insurer may be attached to the standard form.
• § 2081 — Whenever a clause is inserted, or rider attached, affecting the standard form liability of the insurer for loss or damage by fire occasioned either directly or indirectly by hurricane, volcanic action
• § 2082 — Any insurers, other than corporations, issuing policies on subject matter in California, shall use the standard form, changing only such words as refer to the corporation or company, to officers or ag
• § 2082.5 — Where an insurer has no president or secretary in the United States, the facsimile signature on the standard form may be that of its principal executive officer or manager residing within the United S
• § 2083 — It is a misdemeanor for any insurer or any agent to countersign or issue a fire policy covering in whole or in part property in California and varying from the California standard form of policy other
• § 2084 — (a) After a covered loss under a policy covered by Section 2071, an insurer shall provide to the insured, free of charge, a complete copy of the policy that was in effect at the time of the loss withi
• § 2085 — (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if a property owner or owner’s legal representative is unable to identify the insurer of the o
• § 2095 — The Legislature finds and declares all of the following: (a) More than 2,000,000 California households, or approximately one in four residential structures in California, are located within or near “h
• § 2096 — For purposes of this article: (a) “Building Materials Listing” means the list of construction materials and equipment biennially prepared by the Office of the State Fire Marshal pursuant to Section 13
• § 2097 — (a) (1) On or before January 1, 2030, and every five years thereafter, the department shall consider whether to update the Safer from Wildfires regulations to include additional building hardening mea
• § 21 — “Division,” and “department,” in reference to the government of this state, mean the Department of Insurance of this state.
• § 21.5 — (a) “Administrative law bureau” or “administrative hearing bureau” means the unit within the Department of Insurance that provides administrative hearings.
• § 22 — Insurance is a contract whereby one undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event.
• § 23 — The person who undertakes to indemnify another by insurance is the insurer, and the person indemnified is the insured.
• § 24 — “Admitted,” in relation to a person, means entitled to transact insurance business in this state, having complied with the laws imposing conditions precedent to transaction of such business.
• § 25 — “Nonadmitted,” in relation to a person, means not entitled to transact insurance business in this State, whether by reason of failure to comply with conditions precedent thereto, or by reason of inabi
• § 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 a liability against him, may be insured
• § 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 to a person because of Section 1029.
• § 26 — “Domestic” means organized under the laws of this State, whether or not admitted.
• § 27 — “Foreign” means not organized under the laws of this State, whether or not admitted.
• § 28 — “State” means the State of California, unless applied to the different parts of the United States.
• § 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 insured, is an insurable interest.
• § 282 — An insurable interest in property may consist in: 1.
• § 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.