reglab/housing_qa huggingface dataset:
CA Ins Code § 11628.7 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5 - Motor Vehicle Liability Insurance|Section 11628.7.

11628.7.  No admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, shall fail or refuse to accept an application for that insurance, or to issue that insurance, on the basis that the owner of the motor vehicle to be insured is blind. However, notwithstanding any other provision of law, an admitted insurer may exclude from coverage under the policy the unlicensed owner of a motor vehicle who is blind for injuries and damages incurred while the insured vehicle is operated by an unlicensed owner who is blind.Nothing in this section shall prohibit an insurer from applying its usual and customary underwriting and rating criteria with respect to the operators of the vehicle to be insured, including, but not limited to, the loss experience the insurer has had with respect to the insured vehicle.No insurer shall raise the premiums of an insured blind person or shall cancel the policy of an insured blind person solely on the basis that the operators of the insured vehicle are changed frequently.(Added by Stats. 1981, Ch. 330, Sec. 1.)
CA Ins Code § 11629 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5 - Motor Vehicle Liability Insurance|Section 11629.

11629.  Each separate act of an insurer or its agent in violation of Section 11628 or 11628.5 shall render the insurer liable in damages in the amount of one hundred dollars ($100), plus a reasonable allowance for attorneys’ fees incurred in connection with the prosecution of the action, which may be recovered in an action at law brought for that purpose by the person aggrieved by any such act.(Amended by Stats. 1984, Ch. 193, Sec. 93.)
CA Ins Code § 11629.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5 - Motor Vehicle Liability Insurance|Section 11629.5.

11629.5.  Any insurer which has refused to issue to an applicant a policy of insurance in violation of Section 11628 or 11628.5 and which has been required to pay damages for the violation pursuant to Section 11629 shall pay as additional damages the amount by which the rates which the applicant found it necessary to pay to obtain other insurance exceed the rates of the insurer.(Amended by Stats. 1984, Ch. 193, Sec. 94.)
CA Ins Code § 11629.7 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.7.

11629.7.  (a) There is established, within the California Automobile Assigned Risk Plan established under Section 11620, a low-cost automobile insurance program for all counties in California.(b) The commissioner, after a public hearing, shall approve or issue a reasonable plan for the equitable apportionment, among insurers required to participate in the California Automobile Assigned Risk Plan established under Section 11620, of persons who are eligible to purchase through the program a low-cost automobile insurance policy, as described in Section 11629.71. The program shall be conducted in conjunction with the California Automobile Assigned Risk Plan established under Section 11620.(Amended by Stats. 2014, Ch. 487, Sec. 1. (SB 1273) Effective January 1, 2015. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.71 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.71.

11629.71.  A low-cost automobile insurance policy for purposes of the program established under this article shall have all of the following attributes:(a) The policy shall offer coverage in the amount of ten thousand dollars ($10,000) for bodily injury to, or death of, each person as a result of any one accident and, subject to that limit as to one person, the amount of twenty thousand dollars ($20,000) for bodily injury to, or death of all persons as a result of any one accident, and the amount of three thousand dollars ($3,000) for damage to property of others as a result of any one accident.(b) The coverage required by Section 11580.2 shall be made available to the consumer. However, an insurer may charge a premium for that coverage in addition to the premium set forth in Section 11629.72. Notwithstanding the coverage amounts required by Section 11580.2 and Section 16056 of the Vehicle Code, uninsured motorist coverage issued in conjunction with a low-cost automobile policy under the program, with coverage limits at least equal to the limits of liability in the underlying low-cost automobile policy, shall satisfy the requirements of Section 11580.2 and the financial responsibility requirements of Sections 4000.37, 16021, and 16431 of the Vehicle Code.(c) Medical payments coverage shall be made available to the consumer. However, an insurer may charge a premium for that coverage in addition to the premium set forth in Section 11629.72.(d) The policy shall have an initial term of one year, renewable on an annual basis thereafter.(e) The policy shall cover the person named in the policy, and to the same extent that insurance is provided to the named insured, any other person using the automobile, provided the use is with his or her permission, express or implied, and within the scope of that permission, except that the policy shall not cover members of the named insured’s household who do not satisfy the requirements of subdivisions (b) to (e), inclusive, of Section 11629.73.(f) The policy shall provide coverage for an automobile with a value of twenty-five thousand dollars ($25,000) or less, as evidenced by the value given to the automobile by the Department of Motor Vehicles in assessing vehicle license fees, or another method of determining market value adopted by the California Automobile Assigned Risk Plan Advisory Committee (CAARP Advisory Committee) and approved by the commissioner.(Amended by Stats. 2014, Ch. 487, Sec. 2. (SB 1273) Effective January 1, 2015. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.73 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.73.

11629.73.  A low-cost automobile insurance policy under the program shall only be available for purchase by persons who satisfy the following eligibility requirements:(a) The person shall be in a household with an annual gross household income that does not exceed 250 percent of the federal poverty level, as defined in Part 6.2 (commencing with Section 12693) or as defined in an equivalent manner that is approved by the commissioner.(b) The person shall be no less than 16 years of age and have been continuously licensed to drive an automobile for the previous three years, except that a person who has not been continually licensed to drive or has fewer than three years of driving history may qualify for the surcharge under subdivision (a) of Section 11629.72.(c) The person shall have not more than one of either, but not both, of the following within the previous three years:(1) A property damage only accident in which the driver was principally at fault.(2) A point for a moving violation.(d) The person shall not have on record within the previous three years, an at-fault accident involving bodily injury or death.(e) The person shall not have a felony or misdemeanor conviction for a violation of the Vehicle Code on the person’s motor vehicle record.(f) The person shall not be a student claimed as a dependent of another person for federal or state income tax purposes, unless the student resides at the same address where the student is claimed as a dependent.(Amended by Stats. 2019, Ch. 274, Sec. 2. (SB 570) Effective January 1, 2020. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.731 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.731.

11629.731.  A person who meets the requirements of subdivision (a) of Section 11629.73, and who claims that he or she meets the requirements of subdivisions (b) to (e), inclusive, of Section 11629.73 based entirely or partially on a driver’s license and driving experience obtained other than in the United States or Canada, shall be entitled to a rebuttable presumption that he or she is qualified to purchase a low-cost automobile insurance policy under the program if he or she has been licensed to drive pursuant to a license obtained in the United States or Canada for at least the previous 18 months and meets the criteria of subdivisions (b) to (e), inclusive, for that period.(Amended by Stats. 2005, Ch. 435, Sec. 6. Effective January 1, 2006. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.74 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.74.

11629.74.  (a) Application may be made through any producer certified by the plan. The applicant, in order to demonstrate financial eligibility to purchase a low-cost automobile insurance policy under the program, shall present at the time of applying for the policy documents deemed appropriate to confirm proof of income or other reliable evidence from a governmental agency or governmental means-tested program of the applicant’s gross annual household income.(b) The applicant shall certify that the representations made in the documents submitted as proof of financial eligibility and in the application for the policy are true, correct, and contain no material misrepresentations or omissions of fact to the best knowledge and belief of the applicant.(c) The certified producer shall forward the application, supporting documents, and the applicant’s certification to the California Automobile Assigned Risk Plan.(Amended by Stats. 2019, Ch. 274, Sec. 3. (SB 570) Effective January 1, 2020. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.745 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.745.

11629.745.  (a) An agent or broker, hereafter referred to as a producer, who conducts business in a county in which a low-cost automobile insurance policy is available pursuant to this article shall inform every new prospective automobile insurance policyholder who requests a minimum limits or basic limits insurance policy, or coverage to meet California’s minimum limits automobile insurance requirements, that the low-cost automobile insurance policy may be available for qualifying motorists. The information may be provided orally if the producer has been contacted by telephone, or in writing, but shall be communicated to the policyholder prior to the application for automobile insurance coverage in the language in which the producer has otherwise communicated with the consumer.(b) If the consumer requests more information about the low-cost program the producer shall do either of the following:(1) If the producer is California Automobile Assigned Risk Plan certified, provide the consumer with an explanation in an information pamphlet produced by the California Automobile Assigned Risk Plan and approved and provided by the Department of Insurance of the qualifications, cost, and coverage provided by the policy. If the consumer qualifies for the low-cost policy and wishes to purchase the policy, the California Automobile Assigned Risk Plan certified producer shall provide the application and, upon completion, submit the application, supporting documents, and the applicant’s certification to the California Automobile Assigned Risk Plan. The submittal of the California Automobile Assigned Risk Plan application may be in addition to any other coverage offered or applied for through the producer.(2) If the producer is not California Automobile Assigned Risk Plan certified, the producer shall provide the consumer with the toll-free telephone number for the California Automobile Assigned Risk Plan or the program’s Internet Web site address as an option to coverage offered by the producer.(Amended by Stats. 2014, Ch. 487, Sec. 5. (SB 1273) Effective January 1, 2015. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.76 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.76.

11629.76.  (a) (1) For a low-cost automobile insurance policy issued pursuant to the program, certified producers shall be entitled to the same commission rate as is paid by the California Automobile Assigned Risk Plan for private passenger, nonfleet risks under Article 4 (commencing with Section 11620). The commission rate prescribed in this paragraph shall only be in effect until the conditions described in paragraph (2) are fulfilled.(2) Effective upon the setting of policy rates in 2015 pursuant to Section 11629.72, for a low-cost automobile insurance policy issued pursuant to the program, certified producers shall be entitled to a commission rate of 12 percent or fifty dollars ($50), whichever is greater.(b) Notwithstanding subdivision (a), the commissioner may at any time establish a commission for a low-cost automobile insurance policy issued pursuant to the program and may make the commission effective on any policy originated within an entire year, or any portion of a year, as is needed to provide an incentive to certified producers to sell low-cost automobile insurance to eligible applicants. The commissioner shall not establish a commission pursuant to this subdivision if the commissioner determines that setting the commission rate will result in a lower commission than the commission paid by the California Automobile Assigned Risk Plan for private passenger, nonfleet risks under Article 4 (commencing with Section 11620).(c) No other fees of any kind may be charged or collected pursuant to this section and the sale of a low-cost policy under this article shall not be conditioned on the purchase of any other product or service.(Amended by Stats. 2014, Ch. 487, Sec. 7. (SB 1273) Effective January 1, 2015. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.77 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.77.

11629.77.  (a) A low-cost automobile insurance policy issued pursuant to the program shall be canceled only for the following reasons:(1) Nonpayment of premium.(2) Fraud or material misrepresentation affecting the policy or the insured.(3) The purchase of additional automobile liability insurance coverage in violation of subdivision (a) of Section 11629.78.(4) The purchase or maintenance of automobile liability insurance coverage other than a low-cost policy for any additional vehicles in the insured’s household, in violation of subdivision (b) of Section 11629.78.(b) A policy shall be nonrenewed only for the following reasons:(1) A substantial increase in the hazard insured against.(2) The insured no longer meets the applicable eligibility requirements. In this regard, the eligibility of an insured shall be recertified by the California Automobile Assigned Risk Plan after the first year of eligibility, and every three years thereafter by the insurer that issued the policy.(Amended by Stats. 2019, Ch. 274, Sec. 6. (SB 570) Effective January 1, 2020. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.78 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.78.

11629.78.  (a) An insured under the program shall not purchase automobile liability insurance coverage that is in addition to the liability coverage provided by the low-cost policy. However, the insured may purchase any other additional type of automobile insurance coverage, such as uninsured motorist coverage or collision coverage outside the plan.(b) No more than two low-cost policies per person are permitted.(Amended by Stats. 2019, Ch. 274, Sec. 7. (SB 570) Effective January 1, 2020. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.8 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.8.

11629.8.  Notwithstanding the coverage amounts required by Section 16056 of the Vehicle Code, a low-cost automobile policy issued under the program shall satisfy the financial responsibility requirements of Sections 4000.37, 16021, and 16431 of the Vehicle Code.(Amended by Stats. 2005, Ch. 435, Sec. 13. Effective January 1, 2006. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.81 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.81.

11629.81.  (a) The California Automobile Assigned Risk Plan shall report to the commissioner on an annual basis, and at those additional times as it deems prudent, on the status of the program. The report shall include data regarding new policies, renewed policies, and policy cancellations or nonrenewals.(b) The department shall combine the report pursuant to subdivision (a) with the report required by Section 11629.85 and submit the combined report to the Legislature on or before March 15 of each year.(c) A report submitted pursuant to subdivision (b) shall be submitted in compliance with Section 9795 of the Government Code.(Amended by Stats. 2014, Ch. 487, Sec. 9. (SB 1273) Effective January 1, 2015. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.82 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.82.

11629.82.  Nothing in this article is intended to amend or otherwise affect or interpret any provision of Proposition 103, approved by the electors on November 8, 1988, and no provision of that initiative measure applies to this article.(Added by Stats. 1999, Ch. 794, Sec. 2. Effective January 1, 2000. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.86 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.86.

11629.86.  (a) A California Automobile Assigned Risk Plan certified producer may accept and process an application to purchase a low-cost automobile insurance policy under this program through an Internet Web site, in accordance with this section and regulations adopted by the department pursuant to this section.(b) Any producer seeking certification to accept and process low-cost automobile insurance policy applications through an Internet Web site shall notify the California Automobile Assigned Risk Plan of its intentions to do so prior to accepting any applications to the program.(c) Prior to accepting payment and upon transmitting any information from the consumer, the producer’s Internet Web site shall include a clear explanation of whether the consumer will be afforded insurance coverage upon payment and, if not, when the consumer will receive coverage and how he or she will receive notice of coverage.(d) A producer accepting and processing applications through an Internet Web site shall be entitled to the same commission available to a producer selling a low-cost automobile insurance policy by any other means acceptable under the law.(e) Any producer accepting and processing applications through an Internet Web site is subject to the laws and rules governing this program and is liable for any errors and omissions related to the transaction of insurance to the same extent as a producer selling a low-cost automobile insurance policy by any other means acceptable under the law.(f) Any consumer information required by this article may be accepted by electronic means after the department adopts regulations implementing this section and only if the information is submitted in accordance with those regulations.(g) The California Automobile Assigned Risk Plan shall coordinate with the department in order to develop a system for receiving and assigning policies issued through Internet Web sites.(h) The California Automobile Assigned Risk Plan may request, and the department may include in its plan submitted pursuant to Section 11629.85, up to fifty thousand dollars ($50,000) from the department’s existing consumer outreach fund to be used for the sole purpose of implementing this section.(Amended by Stats. 2014, Ch. 487, Sec. 12. (SB 1273) Effective January 1, 2015. Repealed as of January 1, 2025, pursuant to Section 11629.89.)
CA Ins Code § 11629.87 (2021)
2021 California Code|Insurance Code - INS|DIVISION 2 - CLASSES OF INSURANCE|PART 3 - LIABILITY, WORKERS' COMPENSATION, AND COMMON CARRIER LIABILITY INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 5.5 - California Low-Cost Automobile Insurance Program|Section 11629.87.

11629.87.  The department shall, in consultation with the CAARP Advisory Committee, establish and maintain a consumer-oriented internet website that provides all of the following:(a) Referral to a list of certified agents or brokers with an office in the same geographic area as the consumer who may be contacted to purchase a low-cost automobile insurance policy.(b) Information about the eligibility requirements, benefits, and limits of the low-cost automobile insurance policy.(c) Notification that if a consumer does not qualify for the low-cost automobile insurance policy, other policies may be available from producers or insurers, and directing the consumer to the department’s automobile insurance premium comparison internet web page.(Amended by Stats. 2019, Ch. 274, Sec. 11. (SB 570) Effective January 1, 2020. Repealed as of January 1, 2025, pursuant to Section 11629.89.)