FREE
INSURANCE
QUOTES

TABLE OF CONTENTS

GENERAL PROVISIONS ................................................... 1-48
DIVISION 1. GENERAL RULES GOVERNING INSURANCE
PART 1. THE CONTRACT
CHAPTER 1. CLASSES OF INSURANCE ............................... 100-124.5
CHAPTER 1.5. RISK RETENTION ..................................... 125-140
CHAPTER 2. PARTIES, EVENTS, AND INTERESTS
Article 1. Parties to the Contract: Generally ................. 150-151
Article 2. Parties to Contract: Mortgagor and Mortgagee ....... 170-172
Article 3. Events Subject to Insurance ......................... 250-253
Article 4. Insurable Interest: Generally ...................... 280-287
Article 5. Insurable Interest: Effect of Transfer ............. 300-305
CHAPTER 3. NEGOTIATIONS BEFORE EXECUTION
Article 1. Concealment ......................................... 330-339
Article 2. Representation ...................................... 350-361
CHAPTER 4. THE POLICY
Article 1. Definition and Scope ................................ 380-395
Article 2. Types of Policies ................................... 410-413
Article 3. Insurer's Name on Policy ............................. 430
Article 4. Warranties .......................................... 440-449
Article 5. Inception Hours ...................................... 460
CHAPTER 5. THE PREMIUM .......................................... 480-491
CHAPTER 5.2. RENEWAL NOTICES ..................................... 500
CHAPTER 5.3. CONSUMER COMPLAINTS ................................. 510
CHAPTER 5.4. PROOF OF COVERAGE DISCLOSURE ........................ 515
CHAPTER 6. LOSS
Article 1. Transfer of Interest After Loss ...................... 520
Article 2. Causes of Loss .................................... 530-533.7
Article 3. Notice and Proofs of Loss ......................... 550-557.6
Article 4. Payment of Automobile Collision Repairs .............. 560
Article 5. Certain Insurance Covering Real Property ............ 570-572
CHAPTER 7. DOUBLE INSURANCE ..................................... 590-591
CHAPTER 8. REINSURANCE .......................................... 620-623
CHAPTER 9. RESCISSION ........................................... 650-651
CHAPTER 9.5. FILING OF CERTIFICATES .............................. 655
CHAPTER 9.6. REASONS FOR DENIAL OF MOTOR VEHICLE LIABILITY
INSURANCE .......................................... 657-658
CHAPTER 10. CANCELLATION OR FAILURE TO RENEW .................. 660-669.5
CHAPTER 10.1. CERTAIN AUTOMOBILE INSURANCE ....................... 669.7
CHAPTER 10.2. PROHIBITED CANCELLATIONS ........................... 670
CHAPTER 10.25. AUTOMOBILE COLLISION AND COMPREHENSIVE COVERAGE ... 671
CHAPTER 10.27. AVAILABILITY OF COST ESTIMATES .................... 672
CHAPTER 10.3. CANCELLATION OF POLICIES WHEN PREMIUM FINANCED ..... 673
CHAPTER 10.4. PRIOR NOTICE CONCERNING CANCELLATION OR
NONRENEWAL ...................................... 674-674.9
CHAPTER 11. CANCELLATION AND FAILURE TO RENEW CERTAIN PROPERTY
INSURANCE ......................................... 675-679.7
CHAPTER 11.5. DISCLOSURE REQUIREMENTS FOR CERTAIN PROPERTY
INSURANCE .......................................... 679.9
CHAPTER 12. PROHIBITION OF DISCRIMINATORY PRACTICES BY
CERTAIN ADMITTED INSURERS ..................... 679.70-679.73
PART 2. THE BUSINESS OF INSURANCE
CHAPTER 1. GENERAL REGULATIONS
Article 1. Charter Requirements ................................. 680
Article 1.5. Retaliation ..................................... 685-685.4
Article 1.7. Continuity of Management ........................ 688-688.5
Article 2. Capital Structure .................................... 690
Article 3. Certificate of Authority ............................ 699-728
Article 4. Examination by Commissioner ......................... 729-738
Article 4.1. Risk-Based Capital for Insurers ................ 739-739.12
Article 4.5. Special Provisions Regarding Health Coverage .... 740-742.1
Article 4.7. Multiple Employer Welfare Arrangements ...... 742.20-742.43
Article 5. Unlawful Referrals .................................. 750-754
Article 5.1. Unlawful Practices .............................. 755-758.7
Article 5.2. Consumer Protection in Sales of Insurance by or
Through Depository Institutions ................... 759-765
Article 5.3. Agents and Brokers ............................. 769-769.55
Article 5.4. Managing General Agents ..................... 769.80-769.87
Article 5.5. Insurance in Connection With Sales and Loans ...... 770-776
Article 5.7. Free Insurance ................................ 777.1-777.3
Article 5.8. Premium Financing ............................... 778-778.4
Article 5.9. Credit Life and Disability Insurance ......... 779.1-779.36
Article 6. Misrepresentation of Policies ....................... 780-784
Article 6.3. Senior Insurance ............................... 785-789.10
Article 6.5. Unfair Practices ............................... 790-790.15
Article 6.6. Insurance Information and Privacy Protection Act 791-791.28
Article 6.7. Joint Activities ................................ 795-795.7
Article 6.8. Claims Reviewers ............................ 796.01-796.04
Article 6.9. Underwriting of AIDS Risks ..................... 799-799.10
Article 7. Restrictions on Underwriting ........................ 800-804
Article 7.3. Servicing of Insurance Contracts ................... 810
Article 7.5. Restrictions on Compensation of Adjusters ......... 815-816
Article 8. Issue of Securities ................................. 820-860
Article 9. Registration of Insurers' Names ..................... 880-886
Article 10. Financial Statements of Insurers ................. 900-925.4
Article 10.1. California Insurance Community Investment ... 926.1-926.2
Article 10.3. Single Risk Limitation ............................ 928
Article 10.5. National Association of Insurance Commissioners .. 930-934
Article 11. Deposit of Securities .............................. 939-956
Article 13. Insolvency ......................................... 980-989
Article 13.3. Obligations of Automobile Insurers and Their
Agents Under Contingent and Retrospective
Compensation Arrangements ...................... 995-995.7
Article 13.5. Disability Insurance Reserves ..................... 997
Article 14. Proceedings in Cases of Insolvency and Delinquency 1010-1062
Article 14.2. California Insurance Guarantee Association .. 1063-1063.16
Article 14.25. Insurance Assessment Bond Fund .......... 1063.50-1063.68
Article 14.26. Workers' Compensation Bond Fund ......... 1063.70-1063.77
Article 14.3. Uniform Liquidation Act ................... 1064.1-1064.13
Article 14.5. Stop Order Power of the Commissioner ....... 1065.1-1065.7
Article 14.7. California Life and Health Insurance
Guarantee Association ....................... 1067-1067.18
Article 14.8. Group Enrollment from Health Care Service
Plans ........................................ 1068-1068.2
Article 15. Withdrawal of Insurers ........................... 1070-1076
Article 15.5. Administrative Supervision .................. 1077-1077.95
Article 16. Approval of Reinsurance Plans .................... 1080-1091
Article 17. Loans and Investments .......................... 1100-1107.1
Article 18. Multiple Insurer Operations ...................... 1110-1113