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California Insurance Code

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DIVISION 2. CLASSES OF INSURANCE

PART 1. FIRE AND MARINE INSURANCE

CHAPTER 1. The Marine Contract

ARTICLE 1. Insurable Interests Peculiar to Marine Insurance

ARTICLE 2. Concealment and Representations?Rules Peculiar to Marine Insurance

ARTICLE 3. Implied Warranties Peculiar to Marine Insurance

ARTICLE 4. Effect of Course of Voyage

ARTICLE 5. Loss in Marine Insurance

ARTICLE 6. Exemptions

CHAPTER 2. The Fire Insurance Contract

ARTICLE 1. Change of Risk

ARTICLE 2. Measure of Indemnity

ARTICLE 3. California Standard Form Fire Insurance Policy

CHAPTER 4. General Mutual Insurers

ARTICLE 1. General Provisions

ARTICLE 2. Directors

ARTICLE 3. Management and Exclusive Agency Contracts

ARTICLE 4. Loans

ARTICLE 5. Dividends to Policyholders

ARTICLE 6. Nonassessable Policies

ARTICLE 7. Insolvency

ARTICLE 8. Applicable Insurance Laws

ARTICLE 9. Merger, Consolidation, Reinsurance, or Transfer of Assets and Liabilities

ARTICLE 10. Conversion of an Incorporated Medical Malpractice Mutual Insurer into an Incorporated Stock Insurer

CHAPTER 5. County Mutual Fire Insurers

ARTICLE 1. Formation and Organization

ARTICLE 2. Powers

ARTICLE 3. Membership

ARTICLE 4. The Policy

ARTICLE 5. Risks

ARTICLE 6. Reinsurance

ARTICLE 7. Loss

ARTICLE 8. Assessments

ARTICLE 9. Reports and Statements

ARTICLE 9.5. Merger

ARTICLE 9.6. Transformation

ARTICLE 10. Dissolution

ARTICLE 11. Exemptions

CHAPTER 6. County Mutual Fire Reinsurers

ARTICLE 1. Formation and Organization

ARTICLE 2. Powers and Duties

ARTICLE 3. Additional Memberships

ARTICLE 4. Risks

ARTICLE 5. Loss

ARTICLE 6. Assessments and Coverage of Loss

ARTICLE 7. Cancellation of Membership

ARTICLE 8. Reports and Statements

ARTICLE 9. Dissolution

ARTICLE 10. Exemptions

CHAPTER 7. Fraternal Fire Insurers

CHAPTER 8. Underwriters Fire Patrols

ARTICLE 1. Scope of Chapter and Definitions

ARTICLE 2. Formation and Organization

ARTICLE 3. Powers

ARTICLE 4. Meetings and Assessments

CHAPTER 8.5. Earthquake Insurance

CHAPTER 8.6. California Earthquake Authority

10089.5-10089.55

CHAPTER 8.9. Insurance Mediation

10089.70-10089.83

CHAPTER 9. Basic Property Insurance Inspection and Placement Plan

CHAPTER 10. California Residential Property Insurance Disclosure

CHAPTER 11. Small Business Guide to Commercial Insurance

PART 2. LIFE AND DISABILITY INSURANCE

CHAPTER 1. The Contract

ARTICLE 1. General Provisions

ARTICLE 1.5. Discontinuance of Group Life Insurance and Discontinuance and Replacement of Group Disability Insurance

ARTICLE 1.7. California Cobra Program

10128.50-10128.59

ARTICLE 2. Transfer

ARTICLE 2.3. Transfers of Structured Settlement Payment Rights

ARTICLE 2.5. Discriminatory Practices

ARTICLE 2.6. Underwriting on the Basis of Test of Genetic Characteristics

ARTICLE 3. Policy Provisions Required

ARTICLE 3a. Standard Nonforfeiture Law for Life Insurance

10159.1-10167.5

ARTICLE 3b. Standard Nonforfeiture Law for Individual Deferred Annuities

ARTICLE 3.5. Appeals Seeking Independent Medical Review

ARTICLE 4. Payment and Proceeds

ARTICLE 4.5. Review of Rate Increases

ARTICLE 5. Exemptions and Miscellaneous Provisions Relating to Insurance Contracts

ARTICLE 6. Medicare Supplement Policies

10192.1-10192.24

ARTICLE 7. Preexisting Condition Provisions

10198.6-10198.10

CHAPTER 1.5. Health Coverage Contract Notification

ARTICLE 1. Purpose and Title

ARTICLE 2. General Provisions

10199.1-10199.49

ARTICLE 3. Administration and Enforcement

10199.5-10199.9

CHAPTER 2. Group Life Policies

CHAPTER 2.5. Blanket Life Insurance

CHAPTER 2.6. Long-Term Care Insurance

ARTICLE 1. Definitions

ARTICLE 3. General Provisions

ARTICLE 3. Administration and Enforcement

ARTICLE 3.7. Consumer Protection

10234.8-10234.97

ARTICLE 4. Implementation

ARTICLE 5. Inflation Escalator and Benefit Increases

CHAPTER 3. Burial Contracts

CHAPTER 4. Standard Provisions in Disability Policies

ARTICLE 1. Scope of Chapter and Definitions

ARTICLE 2. Approval of Commissioner

ARTICLE 2.1. Accelerated Death Benefits

ARTICLE 2.5. Transportation Ticket Policies

ARTICLE 3. Policy Form Generally?Uniform Provisions

ARTICLE 4. Compulsory Standard Provisions?Uniform Provisions

ARTICLE 5. Optional Standard Provisions and Special Provisions?Uniform Provisions

10369.1-10369.12

ARTICLE 6. Interpretation of Policy

ARTICLE 7. Exemption

ARTICLE 8. Penalties

CHAPTER 4.1. General Regulation of Health Insurers

CHAPTER 5. General Regulation of Life Insurers

10430-10509.946

ARTICLE 1. Restrictions on Business

ARTICLE 1a. Regulation of Internal Affairs of Mutual Insurers

ARTICLE 2. Registration of Life Policies

ARTICLE 3. Valuation of Life Policies

ARTICLE 3a. Standard Valuation Law

10489.1-10489.992

ARTICLE 4. Qualifications and Exemptions

ARTICLE 5. Pension Funds, Separate Accounts

ARTICLE 6. Investment Return Assurance

ARTICLE 6.5. Portfolio Indexing

ARTICLE 7. Records

ARTICLE 8. Requirements for Replacement of Life Insurance and Annuity Policies

ARTICLE 9. Suitability Requirements for Annuity Transactions

10509.910-10509.918

ARTICLE 11. Life Insurance Proceeds Disclosure Act of 2011

10509.930-10509.938

ARTICLE 12. Unclaimed Life Insurance and Annuities Act

10509.940-10509.946

CHAPTER 5.5. Life Insurance Policy Illustrations

10509.950-10509.965

CHAPTER 5.6. Life Insurance Cost Indexes

10509.970-10509.975

CHAPTER 6. Incorporated Life Insurers Issuing Policies on a Reserve Basis

ARTICLE 1. Capital

ARTICLE 2. Dividends

ARTICLE 3. Premiums and Premium Accounts

CHAPTER 7. Disability Insurance Disclosure

CHAPTER 8. Small Employer Health Insurance

ARTICLE 1. Definitions

ARTICLE 2. Small Employer Carrier Requirements

ARTICLE 3. Voluntary Reinsurance Mechanism

ARTICLE 4. Purchasing Pool for Small Employers

ARTICLE 5. Stop-Loss Insurance

CHAPTER 8.01. Nongrandfathered Small Employer Health Insurance

10753-10753.18.7

ARTICLE 1. Definitions

ARTICLE 2. Small Employer Carrier Requirements

10753.02-10753.18.7

CHAPTER 8.02. Grandfathered Small Employer Health Insurance

10755-10755.18.7

ARTICLE 1. Definitions

ARTICLE 2. Small Employer Carrier Requirements

10755.02-10755.18.7

CHAPTER 8.5. Coverage for Federally Eligible Defined Individuals

CHAPTER 9. The Private Health Care Voluntary Purchasing Alliance Act

ARTICLE 1. General

ARTICLE 2. Definitions

ARTICLE 3. Regulation

ARTICLE 4. Conflicts of Interest

ARTICLE 5. Additional Powers of and Restrictions on Purchasing Alliances

ARTICLE 6. Participating Carriers

ARTICLE 7. Contracts with Employers, Small Employers, and Participating Carriers

ARTICLE 8. Marketing

ARTICLE 9. Solvency

ARTICLE 10. Exemptions

CHAPTER 9.5. Individual Access to Contracts for Health Care Services

CHAPTER 9.6. Consumer Operated and Oriented Plans

CHAPTER 9.7. Child Access to Health Insurance

CHAPTER 9.9. Individual Access to Health Insurance

CHAPTER 10. Fraternal Benefit Societies

ARTICLE 1. Scope of Chapter

ARTICLE 2. Definitions

ARTICLE 3. Organization

ARTICLE 4. Benefits

ARTICLE 5. Contract

ARTICLE 6. Powers of Commissioner

ARTICLE 7. Financial Matters

ARTICLE 8. Violations and Penalties

CHAPTER 10A. Firemen's, Policemen's,or Peace Officers? Benefit and Relief Associations

CHAPTER 11. Change by Assessment Plan Insurer to Reserve Plan

ARTICLE 1. Authorization and Effect

ARTICLE 2. Capital Adjustments

ARTICLE 3. Transfer of Insurance

ARTICLE 4. Powers of Insurer After Transformation

ARTICLE 5. Valuation of Policies

CHAPTER 12. Grants and Annuities Societies

CHAPTER 13. Voluntary Mutualization of Incorporated Life and Life and Disability Insurers Having a Capital Stock and Issuing Nonassessable Policies on a Reserve Basis

ARTICLE 1. Authority and Requirements to Mutualize

ARTICLE 2. Execution of Plan

CHAPTER 14. Conversion of an Incorporated Mutual Life or Life and Disability Insurer into an Incorporated Stock Life Insurer Issuing Policies on a Reserve Basis

ARTICLE 1. Authority and Requirements to Convert

PART 3. LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE

CHAPTER 1. General Regulations

ARTICLE 1. Reserves of Insurers

ARTICLE 2. Actions on Policies Containing Liability Provisions

ARTICLE 2.5. Personal Liability Insurance Providing Workers? Compensation Coverage for Household Employees

ARTICLE 3. Capital Requirements of Reserve Basis Insurers

ARTICLE 4. Assigned Risk Plans

ARTICLE 5. Motor Vehicle Liability Insurance

ARTICLE 5.5. California Low-Cost Automobile Insurance Program

11629.7-11629.88

CHAPTER 2. Workers? Compensation Policies

ARTICLE 1. Definitions

ARTICLE 2. Policy Provisions

CHAPTER 3. Regulation of Business of Workers? Compensation Insurance

ARTICLE 1. Deposits by Workers? Compensation Insurers

ARTICLE 2. State Rate Supervision

ARTICLE 3. Rating and Other Organizations

ARTICLE 4. Penalties for Misrepresentation

ARTICLE 5. Standards Applicable to Claims Adjusters

CHAPTER 4. The State Compensation Insurance Fund

ARTICLE 1. Organization and Powers

ARTICLE 2. Rates

ARTICLE 3. Policies

ARTICLE 4. Reports and Statements

ARTICLE 5. Coverage of Public Employers

ARTICLE 6. Penalties

ARTICLE 7. Transfer of Ownership

CHAPTER 5. Market Assistance Program for Long-Term Health Care Facility Liability Insurance

CHAPTER 6. Commercial Property: Vehicle Barrier Discount

PART 4. MISCELLANEOUS CASUALTY INSURANCES

CHAPTER 1. Surety Insurers on Reserve Basis; Capital Requirements and Permitted Insurances

ARTICLE 1. Capital and Scope of Business

ARTICLE 2. Administrative Control

ARTICLE 3. Special Restrictions on Business

ARTICLE 4. Special Regulations

ARTICLE 5. Financial Guaranty Insurance

CHAPTER 2. Other Casualty Insurers on Reserve Basis; Capital Requirements and Permitted Insurances

CHAPTER 3. Group and Individual Plans for Legal Insurance

PART 5. MOTOR CLUBS

CHAPTER 1. Definitions and Exemptions

CHAPTER 2. Certificate of Authority

CHAPTER 3. The Service Contract

CHAPTER 4. Agents

CHAPTER 5. Penalties

PART 6. INSURANCE COVERING LAND

CHAPTER 1. Title Insurance

ARTICLE 1. Definitions

ARTICLE 2. Title Insurers; Capital and Guarantee Fund Requirements

ARTICLE 3. Title Insurers: Finances and Investments

ARTICLE 3.5. Unearned Premium Reserve and Reserve for Unpaid Losses and Loss Expense

ARTICLE 3.7. Underwritten Title Companies

ARTICLE 4. General Powers

ARTICLE 4.5. Business Plans

ARTICLE 5. Exemptions

ARTICLE 5.5. Rate Filing and Regulation

ARTICLE 5.7. Advisory Organizations

ARTICLE 6. Rebates and Commissions

ARTICLE 6.7. Hearings, Procedure, and Judicial Review

12414.13-12414.19

ARTICLE 6.9. Examinations, Penalties and Miscellaneous

12414.20-12414.31

ARTICLE 7. Annual Renewal Fees

ARTICLE 8. Title Insurance Representatives

CHAPTER 2A. Mortgage Guaranty Insurance

12640.01-12640.20

ARTICLE 1. Definitions

12640.01-12640.02

ARTICLE 2. Capital, Surplus and Contingency Reserve Requirements

12640.03-12640.06

ARTICLE 4. Limitations and Restrictions for Transacting Business

12640.07-12640.11

ARTICLE 5. Rebates and Commissions

12640.12-12640.15

ARTICLE 6. Financial Statements

ARTICLE 7. Applicability of Other Laws

ARTICLE 8. Additional Powers of Commissioner

ARTICLE 9. Advertising

ARTICLE 10. Fees

CHAPTER 3. Land Value Insurance

PART 6.1. HEALTH DISABILITY INSURANCE CONVERSION

PART 6.2. HEALTHY FAMILIES

CHAPTER 1. Purpose

CHAPTER 2. Definitions

12693.01-12693.17

CHAPTER 3. Creation of Program and Powers of the Board

12693.20-12693.23

CHAPTER 4. Administration

12693.25-12693.55

CHAPTER 5. Health Benefits and Copayments

12693.60-12693.62

CHAPTER 6. Dental Benefits and Copayments

12693.63-12693.64

CHAPTER 7. Vision Benefits and Copayments

12693.65-12693.66

CHAPTER 8. Linkages with Public Programs

12693.68-12693.69

CHAPTER 9. Eligibility

12693.70-12693.765

CHAPTER 10. Fiscal Integrity

CHAPTER 11. Protection Against Substitution of Benefits

12693.80-12693.84

CHAPTER 12. Appeals

12693.85-12693.89

CHAPTER 14. Rural Demonstration Project

12693.91-12693.915

CHAPTER 15. Reports

12693.92-12693.95

CHAPTER 16. Funds

12693.96-12693.97

CHAPTER 16.1. Healthy Families Bridge Benefits Program

CHAPTER 16.2. Transition of Healthy Families Program Enrollees to Medi-Cal

12694.1-12694.2

PART 6.8. Program Transfers

12739.77-12739.79

PART 7. HOME PROTECTION

CHAPTER 1. Definitions and Licensing

CHAPTER 2. Fiscal Requirements

CHAPTER 3. Other Provisions

PART 8. SERVICE CONTRACTS

PART 9. Pet Insurance

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