California Code
DIVISION 2 - CLASSES OF INSURANCE
PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE

CHAPTER 1 - General Regulations

ARTICLE 1 - Reserves of Insurers

Section 11550. - 11550. As used in this article, the term “liability” means...

Section 11551. - 11551. As used in this article, the term “compensation” means...

Section 11552. - 11552. As used in this article, the term “earned premium,”...

Section 11553. - 11553. As used in this article, the terms “loss payments,”...

Section 11554. - 11554. In estimating the condition of any insurer admitted to...

Section 11555. - 11555. An insurer transacting such compensation or liability insurance shall...

Section 11555.2. - 11555.2. Each insurer transacting insurance covering liability for malpractice of...

Section 11556. - 11556. The reserve for outstanding losses and loss expenses under...

Section 11557. - 11557. Whenever the reserves for outstanding liability or compensation losses...

ARTICLE 2 - Actions on Policies Containing Liability Provisions

Section 11580. - 11580. A policy insuring against losses set forth in subdivision...

Section 11580.01. - 11580.01. (a) A policy insuring against legal liability arising from...

Section 11580.02. - 11580.02. A liability insurer may review bills submitted for the...

Section 11580.04. - 11580.04. Any additional insured endorsement issued by an admitted or...

Section 11580.05. - 11580.05. The Legislature declares that the public policy of this...

Section 11580.06. - 11580.06. Except as may be otherwise provided in this article:...

Section 11580.07. - 11580.07. Except when required by a conditional sales vendor, no...

Section 11580.08. - 11580.08. With respect to disclosure of the fact of an...

Section 11580.09. - 11580.09. (a) Any policy of automobile liability insurance shall contain...

Section 11580.010. - 11580.010. (a) Any automobile liability insurer that is responsible for...

Section 11580.011. - 11580.011. (a) As used in this section, “child passenger restraint...

Section 11580.1. - 11580.1. (a) No policy of automobile liability insurance described in...

Section 11580.15. - 11580.15. Subject to the approval of the Insurance Commissioner, every...

Section 11580.17. - 11580.17. The department shall not prohibit an insurer from electing...

Section 11580.2. - 11580.2. (a) (1) No policy of bodily injury liability insurance...

Section 11580.23. - 11580.23. (a) If a suit for bodily injury has been...

Section 11580.24. - 11580.24. (a) No private passenger motor vehicle insured by its...

Section 11580.25. - 11580.25. No motor vehicle insured pursuant to a policy of...

Section 11580.26. - 11580.26. (a) Except where a named insured has agreed pursuant...

Section 11580.3. - 11580.3. When an insured entitled to recovery under uninsured motorists’...

Section 11580.4. - 11580.4. In any action or arbitration proceeding to determine whether...

Section 11580.5. - 11580.5. No award made in an arbitration proceeding instituted pursuant...

Section 11580.6. - 11580.6. Where a policy of liability insurance covering the ownership,...

Section 11580.8. - 11580.8. The Legislature declares it to be the public policy...

Section 11580.9. - 11580.9. (a) Where two or more policies affording valid and...

Section 11580.10. - 11580.10. Any liability insurer issuing or renewing an automobile liability...

Section 11581. - 11581. Upon any proceeding supplementary to execution, such judgment debtor...

Section 11582. - 11582. No settlement made under a motor vehicle liability insurance...

Section 11583. - 11583. No advance payment or partial payment of damages made...

Section 11584. - 11584. No policy of insurance issued or delivered in this...

Section 11585. - 11585. (a) No policy of insurance for residential property located...

Section 11586. - 11586. (a) On and after the effective date of this...

Section 11588. - 11588. No insurer authorized to do business in this state...

Section 11589. - 11589. No insurer who provides professional liability insurance for physicians...

Section 11589.5. - 11589.5. No insurer who provides professional liability insurance for persons...

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

Section 11590. - 11590. Except as provided in Section 11591, no policy providing...

Section 11591. - 11591. The requirements of Section 11590 shall be inapplicable to...

Section 11592. - 11592. Notwithstanding the provisions of subdivision (f) of Section 1851,...

Section 11593. - 11593. The premium charge for the coverage required by Section...

ARTICLE 3 - Capital Requirements of Reserve Basis Insurers

Section 11600. - 11600. An incorporated insurer issuing policies of liability, workers’ compensation,...

Section 11601. - 11601. Except as restricted by its charter, such an incorporated...

Section 11602. - 11602. Any such insurer which on July 26, 1919, was...

ARTICLE 4 - Assigned Risk Plans

Section 11620. - 11620. (a) The commissioner, after a public hearing, shall approve...

Section 11621.1. - 11621.1. In the event an insurer discontinues writing automobile liability...

Section 11621.2. - 11621.2. (a) An insurer that is no longer licensed to...

Section 11621.3. - 11621.3. Insurer groups under the same ownership may elect to...

Section 11621.4. - 11621.4. (a) New plan assignments to a participating insurer may...

Section 11621.5. - 11621.5. (a) In the event proceedings have been initiated by...

Section 11622. - 11622. Such plan shall require the issuance of a policy...

Section 11622.5. - 11622.5. The plan shall provide for effective dates for coverage...

Section 11623. - 11623. (a) (1) To assist the commissioner in carrying out...

Section 11623.5. - 11623.5. (a) Groups of insurers not under common ownership or...

Section 11624. - 11624. The plan shall contain: (a) Standards for determining eligibility...

Section 11624.08. - 11624.08. The plan shall require a certificate of eligibility to...

Section 11624.09. - 11624.09. Upon a determination by the plan that a certificate...

Section 11624.1. - 11624.1. (a) An insurer shall mail a policy within 30...

Section 11624.2. - 11624.2. (a) An insurer shall acknowledge in writing within 15...

Section 11624.3. - 11624.3. Any return premium checks due to an insured or...

Section 11624.4. - 11624.4. Every insurer to whom an assignment is made shall...

Section 11624.5. - 11624.5. No insurance agent, broker or solicitor shall make any...

Section 11624.6. - 11624.6. Every insurer, agent, or broker assigned an application by...

Section 11624.7. - 11624.7. Within 60 days after the effective date of any...

Section 11625. - 11625. If an insurer admitted to transact liability insurance fails...

Section 11626. - 11626. If the commissioner, after hearing upon not less than...

Section 11626.1. - 11626.1. (a) No insurer shall downgrade the rating, or otherwise...

Section 11627. - 11627. In this article, “insurer” includes reciprocal or interinsurance exchanges....

ARTICLE 5 - Motor Vehicle Liability Insurance

Section 11628. - 11628. (a) (1) No admitted insurer that is licensed to...

Section 11628.3. - 11628.3. (a) Based on the actuarial and loss experience data...

Section 11628.5. - 11628.5. No admitted insurer, licensed to issue motor vehicle liability...

Section 11628.7. - 11628.7. No admitted insurer, licensed to issue motor vehicle liability...

Section 11629. - 11629. Each separate act of an insurer or its agent...

Section 11629.5. - 11629.5. Any insurer which has refused to issue to an...

ARTICLE 5.5 - California Low-Cost Automobile Insurance Program

Section 11629.7. - 11629.7. (a) There is established, within the California Automobile Assigned...

Section 11629.71. - 11629.71. A low-cost automobile insurance policy for purposes of the...

Section 11629.72. - 11629.72. (a) The annual rate offered under the program for...

Section 11629.73. - 11629.73. A low-cost automobile insurance policy under the program shall...

Section 11629.731. - 11629.731. A person who meets the requirements of subdivision (a)...

Section 11629.74. - 11629.74. (a) Application may be made through any producer certified...

Section 11629.745. - 11629.745. (a) An agent or broker, hereafter referred to as...

Section 11629.75. - 11629.75. (a) A certified producer shall provide to an applicant...

Section 11629.76. - 11629.76. (a) (1) For a low-cost automobile insurance policy issued...

Section 11629.77. - 11629.77. (a) A low-cost automobile insurance policy issued pursuant to...

Section 11629.78. - 11629.78. (a) An insured under the program shall not purchase...

Section 11629.8. - 11629.8. Notwithstanding the coverage amounts required by Section 16056 of...

Section 11629.81. - 11629.81. (a) The California Automobile Assigned Risk Plan shall report...

Section 11629.82. - 11629.82. Nothing in this article is intended to amend or...

Section 11629.85. - 11629.85. (a) Notwithstanding Section 10231.5 of the Government Code, on...

Section 11629.86. - 11629.86. (a) A California Automobile Assigned Risk Plan certified producer...

Section 11629.87. - 11629.87. The department shall, in consultation with the CAARP Advisory...

Section 11629.88. - 11629.88. An applicant shall not be required to provide a...

Section 11629.89. - 11629.89. This article shall remain in effect only until January...

CHAPTER 2 - Workers Compensation Policies

ARTICLE 1 - Definitions

Section 11630. - 11630. As used in this chapter, the term “compensation” means...

Section 11631. - 11631. As used in this chapter, the term “insurer” includes...

ARTICLE 2 - Policy Provisions

Section 11650. - 11650. Every contract insuring against liability for compensation and every...

Section 11651. - 11651. Every such contract or policy shall contain a clause...

Section 11652. - 11652. Every such contract or policy shall contain a clause...

Section 11653. - 11653. Every such contract or policy shall contain a clause...

Section 11654. - 11654. Every such contract or policy shall contain a clause...

Section 11655. - 11655. Such policy shall not contain any provisions relieving the...

Section 11656. - 11656. Such policy shall also provide that the employee has...

Section 11656.1. - 11656.1. Upon request of the State Department of Social Services,...

Section 11656.5. - 11656.5. In order to permit employees of small farms to...

Section 11656.6. - 11656.6. An insurer may issue a workers’ compensation policy insuring...

Section 11656.7. - 11656.7. Each member of an organization insured under a group...

Section 11656.8. - 11656.8. Nothing in Section 11656.6 or 11656.7 shall be construed...

Section 11656.9. - 11656.9. To encourage and facilitate the participation of agencies, entities...

Section 11657. - 11657. Subject to the provisions of Sections 11659 and 11660,...

Section 11658. - 11658. (a) A workers’ compensation insurance policy or endorsement shall...

Section 11658.5. - 11658.5. (a) (1) An insurer that intends to use a...

Section 11659. - 11659. Such approved form of policy, limited pursuant to Section...

Section 11660. - 11660. Failure to observe the requirements of Sections 11657 and...

Section 11661. - 11661. An insurer shall not insure against the liability of...

Section 11661.5. - 11661.5. An insurer shall not insure an employer against his...

Section 11661.6. - 11661.6. (a) An insurer shall not insure an employer against...

Section 11662. - 11662. Whenever any employer is insured against liability for compensation...

Section 11663. - 11663. As between insurers of general and special employers, one...

Section 11663.5. - 11663.5. (a) Upon receiving a written request from an insured...

Section 11664. - 11664. (a) This section applies only to policies of workers’...

Section 11665. - 11665. (a) An insurer who issues a workers’ compensation insurance...

CHAPTER 3 - Regulation of Business of Workers Compensation Insurance

ARTICLE 1 - Deposits by Workers Compensation Insurers

Section 11690. - 11690. For purposes of this article: (a) “Compensable workers’ compensation...

Section 11691. - 11691. (a) (1) In order to provide protection to the...

Section 11691.1. - 11691.1. The fees for filing a schedule of securities with...

Section 11691.2. - 11691.2. The deposit required pursuant to Section 11691 shall be...

Section 11691.3. - 11691.3. The commissioner shall establish a list of all insurers...

Section 11692. - 11692. A certificate of authority to transact workers’ compensation insurance...

Section 11692.5. - 11692.5. On and after the effective date of this article,...

Section 11693. - 11693. The deposit required pursuant to Section 11691 shall be...

Section 11694. - 11694. After the first annual statement to the commissioner covering...

Section 11694.5. - 11694.5. On or before March 1 and May 15 of...

Section 11695. - 11695. Where an admitted insurer has voluntarily ceased to do...

Section 11696. - 11696. In the event an insurer not in a delinquency...

Section 11697. - 11697. The payment of a workers’ compensation claim by the...

Section 11698. - 11698. (a) In the event any one of the eventualities...

Section 11698.01. - 11698.01. When the commissioner is authorized to proceed under Section...

Section 11698.02. - 11698.02. The proceeds of the deposit required pursuant to Section...

Section 11698.1. - 11698.1. From time to time and in any event at...

Section 11698.2. - 11698.2. If the commissioner enters into a reinsurance and assumption...

Section 11698.21. - 11698.21. (a) The reimbursement provision referred to in subdivision (c)...

Section 11698.22. - 11698.22. The commissioner shall not enter into an agreement with...

Section 11698.3. - 11698.3. (a) If the insurer is a member insurer of...

Section 11699. - 11699. Unless the deposit required pursuant to Section 11691 is...

Section 11700. - 11700. The deposit required pursuant to Section 11691, unless withdrawn...

Section 11701. - 11701. The commissioner may revoke the certificate of authority to...

Section 11702. - 11702. The provisions of this article shall not apply to...

Section 11703. - 11703. An insurer desiring to write workers’ compensation insurance shall...

ARTICLE 2 - State Rate Supervision

Section 11730. - 11730. The following definitions govern the construction and meaning of...

Section 11731. - 11731. This article applies to workers’ compensation insurance and employers’...

Section 11732. - 11732. Rates shall be adequate to cover an insurer’s losses...

Section 11732.5. - 11732.5. Rates shall not be unfairly discriminatory. Rates are unfairly...

Section 11733. - 11733. In determining whether rates comply with Section 11732, the...

Section 11734. - 11734. (a) Every workers’ compensation insurer shall adhere to a...

Section 11735. - 11735. (a) Every insurer shall file with the commissioner all...

Section 11736. - 11736. An experience rating plan shall contain reasonable eligibility standards,...

Section 11736.5. - 11736.5. (a) The commissioner shall establish, by regulation, those forms...

Section 11737. - 11737. (a) The commissioner may disapprove a rate if the...

Section 11738. - 11738. A classification shall take no account of any physical...

Section 11739. - 11739. (a) An insurer shall not use any plan for...

Section 11740. - 11740. Rates and supplementary rate information filed for use in...

Section 11742. - 11742. (a) The Legislature finds and declares that the insolvencies...

ARTICLE 3 - Rating and Other Organizations

Section 11750. - 11750. (a) The purpose of this article is to promote...

Section 11750.1. - 11750.1. As used in this article, unless a different meaning...

Section 11750.2. - 11750.2. The provisions of this article shall apply to all...

Section 11750.3. - 11750.3. A rating organization may be organized pursuant to this...

Section 11751. - 11751. On and after January 1, 1952, a rating organization...

Section 11751.1. - 11751.1. To obtain and retain a license, a rating organization...

Section 11751.2. - 11751.2. The commissioner shall examine each application for license to...

Section 11751.25. - 11751.25. Notwithstanding Section 11751, each rating organization possessing a license...

Section 11751.3. - 11751.3. (a) Subject to the approval of the commissioner, a...

Section 11751.35. - 11751.35. (a) Four members of the public, two representing organized...

Section 11751.4. - 11751.4. From and after the taking effect of this act,...

Section 11751.5. - 11751.5. The commissioner, after notice and hearing, may promulgate reasonable...

Section 11751.55. - 11751.55. If an insurer, the State Compensation Insurance Fund, a...

Section 11751.7. - 11751.7. (a) The rating organization designated the statistical agent pursuant...

Section 11751.8. - 11751.8. An insurer shall report to its rating organization as...

Section 11751.82. - 11751.82. (a) An insurer under a wrap-up insurance policy shall...

Section 11751.9. - 11751.9. Whenever a claim or claims used in an experience...

Section 11752. - 11752. The commissioner may, as often as reasonable and necessary,...

Section 11752.1. - 11752.1. The officers, managers, agents and employees of any such...

Section 11752.2. - 11752.2. The reasonable cost of any examination authorized by this...

Section 11752.5. - 11752.5. (a) Subject to subdivision (b), a licensed rating organization...

Section 11752.6. - 11752.6. (a) A licensed rating organization shall make available, in...

Section 11752.7. - 11752.7. (a) A licensed rating organization may make available experience...

Section 11752.75. - 11752.75. (a) (1) Notwithstanding any other provision of law, a...

Section 11752.8. - 11752.8. (a) For all policies of insurance issued, or renewed...

Section 11752.9. - 11752.9. Notwithstanding subdivision (d) of Section 11750.3, a rating organization...

Section 11753. - 11753. No advisory organization shall conduct its operations in this...

Section 11753.1. - 11753.1. (a) Any person aggrieved by any decision, action, or...

Section 11753.2. - 11753.2. (a) If a change in a classification assignment on...

Section 11753.3. - 11753.3. Notwithstanding Section 1851.1, a workers’ compensation insurance rating organization...

Section 11754. - 11754. If the commissioner has good cause to believe that...

Section 11754.1. - 11754.1. If the commissioner has good cause to believe such...

Section 11754.2. - 11754.2. If, after a hearing pursuant to Section 11754.1, the...

Section 11754.3. - 11754.3. In addition to other penalties provided in this code...

Section 11754.4. - 11754.4. Except as otherwise provided in this article, all proceedings...

Section 11754.5. - 11754.5. Any finding, determination, rule, ruling, or order made by...

Section 11755. - 11755. No person, insurer, rating or advisory organization shall willfully...

Section 11756. - 11756. (a) Any person, insurer, or organization, who fails to...

Section 11757. - 11757. Nothing in this article shall be construed to prohibit...

Section 11758. - 11758. No act done, action taken or agreement made pursuant...

Section 11758.1. - 11758.1. The provisions of this article shall not apply to...

Section 11759. - 11759. The Legislature hereby finds and declares as follows: The...

Section 11759.1. - 11759.1. A rating organization shall, no later than June 1...

Section 11759.2. - 11759.2. (a) A licensed rating organization designated as the Insurance...

ARTICLE 4 - Penalties for Misrepresentation

Section 11760. - 11760. (a) It is unlawful to make or cause to...

Section 11760.1. - 11760.1. (a) If an employer fails to provide for access...

ARTICLE 5 - Standards Applicable to Claims Adjusters

Section 11761. - 11761. (a) The commissioner shall adopt regulations setting forth the...

CHAPTER 4 - The State Compensation Insurance Fund

ARTICLE 1 - Organization and Powers

Section 11770. - 11770. (a) The State Compensation Insurance Fund is continued in...

Section 11771. - 11771. The State shall not be liable beyond the assets...

Section 11771.5. - 11771.5. Any advertising of the State Compensation Insurance Fund shall...

Section 11772. - 11772. There shall not be any liability in a private...

Section 11773. - 11773. The fund shall be organized as a public enterprise...

Section 11774. - 11774. The assets of the fund shall be applicable to...

Section 11775. - 11775. The fund shall, after a reasonable time during which...

Section 11776. - 11776. The actual loss experience and expense of the fund...

Section 11777. - 11777. Such cash dividend or credit is to be in...

Section 11778. - 11778. The fund may transact workers’ compensation insurance required or...

Section 11779. - 11779. The fund may insure California employers against their liability...

Section 11780. - 11780. The fund may also insure an employer against his...

Section 11780.5. - 11780.5. (a) The fund may also insure a California employer...

Section 11781. - 11781. The board of directors is hereby vested with full...

Section 11781.5. - 11781.5. The State Compensation Insurance Fund may acquire and own...

Section 11782. - 11782. All business and affairs of the fund shall be...

Section 11783. - 11783. The State Compensation Insurance Fund may: (a) Sue and...

Section 11784. - 11784. In conducting the business and affairs of the fund,...

Section 11785. - 11785. (a) The board of directors shall appoint a president,...

Section 11785.5. - 11785.5. (a) Notwithstanding any other provision of law to the...

Section 11786. - 11786. Before entering on the duties of his or her...

Section 11787. - 11787. The board of directors may delegate to the president...

Section 11788. - 11788. The State Treasurer shall be custodian of all securities...

Section 11790. - 11790. All securities belonging to the fund shall be delivered...

Section 11793. - 11793. Expenditures made by the State Compensation Insurance Fund are...

Section 11797. - 11797. (a) The board of directors shall cause all moneys...

Section 11800. - 11800. All moneys in the State Compensation Insurance Fund, in...

Section 11800.1. - 11800.1. The board of directors may, with the approval of...

Section 11800.2. - 11800.2. The State Controller shall keep a special ledger account...

Section 11801. - 11801. The assets, premiums, reserves, investment income, and any and...

Section 11802. - 11802. All premiums, reserves, investment income, and all property of...

Section 11803. - 11803. All claims, costs of doing business, liabilities, expenses, and...

Section 11804. - 11804. Joint or shared use of office building space, whether...

Section 11805. - 11805. The State Compensation Insurance Fund shall report annually to...

ARTICLE 2 - Rates

Section 11820. - 11820. Subject to the provisions of Article 2 (commencing with...

Section 11821. - 11821. Within each class of business insured such rates shall...

Section 11822. - 11822. The rates fixed by the board of directors shall...

ARTICLE 3 - Policies

Section 11840. - 11840. The insurance contracts or policies of the State Compensation...

Section 11841. - 11841. Nothing in this chapter shall prevent: (a) Any applicant...

Section 11843. - 11843. The State Compensation Insurance Fund may issue policies including,...

Section 11844. - 11844. Such policies covering employers shall insure to such employers...

Section 11845. - 11845. The estimations of the wage values, respectively, of such...

Section 11846. - 11846. The policies may likewise be sold to self-employing persons...

ARTICLE 4 - Reports and Statements

Section 11860. - 11860. Each quarter the president of the State Compensation Insurance...

ARTICLE 5 - Coverage of Public Employers

Section 11870. - 11870. The state, any agency, department, division, commission, board, bureau,...

Section 11871. - 11871. The State Compensation Insurance Fund may enter into a...

Section 11872. - 11872. The fund may annually enter into agreements with state...

Section 11873. - 11873. (a) Except as provided by subdivision (b), the fund...

Section 11874. - 11874. On the effective date of this act the Controller...

ARTICLE 6 - Penalties

Section 11880. - 11880. (a) It is unlawful to make or cause to...

Section 11881. - 11881. Whenever in Chapter 4, Part 3, Division 2 of...

ARTICLE 7 - Transfer of Ownership

Section 11885. - 11885. (a) The Director of Finance is hereby authorized to...

Section 11885.3. - 11885.3. In order to accomplish the purpose of this article,...

Section 11885.5. - 11885.5. Notwithstanding any other law, the approval of neither the...

Section 11885.7. - 11885.7. (a) The Director of Finance shall deposit all proceeds...

Section 11885.9. - 11885.9. (a) Notwithstanding any other law, the Director of Finance...

Section 11886. - 11886. (a) The Director of Finance, in consultation with the...

Section 11886.2. - 11886.2. (a) The Director of Finance shall notify the Joint...

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

Section 11890. - 11890. As used in this chapter: (a) “Long-term health care...

Section 11891. - 11891. (a) If the commissioner finds after a public hearing...

Section 11892. - 11892. (a) The commissioner may order the creation of an...

CHAPTER 6 - Commercial Property: Vehicle Barrier Discount

Section 11895. - 11895. (a) An insurer may consider the installation of vehicle...

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California Code DIVISION 2 - CLASSES OF INSURANCE PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE

California Code
DIVISION 2 - CLASSES OF INSURANCE
PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE