reglab/housing_qa huggingface dataset:
CA Ins Code § 1860.3 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 9 - Miscellaneous|Section 1860.3.

1860.3.  The provisions of the following sections of this code shall be applicable to the administration, enforcement and interpretation of this chapter:Sections 1 to 41, both inclusive, 100 to 121, both inclusive, 620, 621, 700, 701, 704, 730 to 737, both inclusive, 12903, 12904, 12919, 12921, 12921.5, 12924 to 12926, both inclusive, 12928, 12930, and 12974 to 12977, both inclusive.(Amended by Stats. 1955, Ch. 677.)
CA Ins Code § 1861.01 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.01.

1861.01.  Insurance Rate Rollback.  (a) For any coverage for a policy for automobile and any other form of insurance subject to this chapter issued or renewed on or after November 8, 1988, every insurer shall reduce its charges to levels which are at least 20% less than the charges for the same coverage which were in effect on November 8, 1987.(b) Between November 8, 1988, and November 8, 1989, rates and premiums reduced pursuant to subdivision (a) may be only increased if the commissioner finds, after a hearing, that an insurer is substantially threatened with insolvency.(c) Commencing November 8, 1989, insurance rates subject to this chapter must be approved by the commissioner prior to their use.(d) For those who apply for an automobile insurance policy for the first time on or after November 8, 1988, the rate shall be 20% less than the rate which was in effect on November 8, 1987, for similarly situated risks.(e) Any separate affiliate of an insurer, established on or after November 8, 1987, shall be subject to the provisions of this section and shall reduce its charges to levels which are at least 20% less than the insurer’s charges in effect on that date.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.04 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.04.

1861.04.  Full Disclosure of Insurance Information.  (a) Upon request, and for a reasonable fee to cover costs, the commissioner shall provide consumers with a comparison of the rate in effect for each personal line of insurance for every insurer.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.055 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.055.

1861.055.  (a) The commissioner shall adopt regulations governing hearings required by subdivision (c) of Section 1861.05 on or before 120 days after the enactment of this section. Those regulations shall, at the minimum, include timelines for scheduling and commencing hearings, and procedures to prevent delays in commencing or continuing hearings without good cause.(b) The sole remedy for failure by the commissioner to adopt the regulations required by subdivision (a) within the prescribed period or to abide by those regulations once adopted shall be a writ of mandate by any aggrieved party in a court of competent jurisdiction to compel the commissioner to adopt those regulations, or commence or resume hearings.(c) Nothing in this section shall preclude the commissioner from commencing hearings required by subdivision (c) of Section 1861.05 prior to adopting the regulations required by this section.(d) The administrative law judge shall render a decision within 30 days of the closing of the record in the proceeding.(Added by Stats. 1990, Ch. 1583, Sec. 1. Effective September 30, 1990.)
CA Ins Code § 1861.06 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.06.

1861.06.  Public notice required by this article shall be made through distribution to the news media and to any member of the public who requests placement on a mailing list for that purpose.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.07 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.07.

1861.07.  All information provided to the commissioner pursuant to this article shall be available for public inspection, and the provisions of Section 6254(d) of the Government Code and Section 1857.9 of the Insurance Code shall not apply thereto.(Added November 8, 1988, by initiative Proposition 103. Superseded on January 1, 2023; see amendment by Stats. 2021, Ch. 615.)
CA Ins Code § 1861.07 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.07.

1861.07.  All information provided to the commissioner pursuant to this article shall be available for public inspection, and the provisions of Section 7929.000 of the Government Code and Section 1857.9 of the Insurance Code shall not apply thereto.(Amended by Stats. 2021, Ch. 615, Sec. 306. (AB 474) Effective January 1, 2022. Operative January 1, 2023, pursuant to Sec. 463 of Stats. 2021, Ch. 615.)
CA Ins Code § 1861.08 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.08.

1861.08.  Hearings shall be conducted pursuant to Chapter 5 (commencing with Section 11500) of Part 1 of Division 3 of Title 2 of the Government Code, except that:(a) Hearings shall be conducted by administrative law judges for purposes of Sections 11512 and 11517, chosen under Section 11502 or appointed by the commissioner.(b) Hearings are commenced by a filing of a notice in lieu of Sections 11503 and 11504.(c) The commissioner shall adopt, amend, or reject a decision only under Section 11518.5 and subdivisions (b), (c), and (e) of Section 11517 and solely on the basis of the record as provided in Section 11425.50 of the Government Code.(d) Notwithstanding Section 11501, Section 11430.30 and subdivision (b) of Section 11430.70 shall not apply in these hearings.(e) Discovery shall be liberally construed and disputes determined by the administrative law judge as provided in Section 11507.7 of the Government Code.(Amended by Stats. 1996, Ch. 390, Sec. 10. Effective August 19, 1996. Operative July 1, 1997, by Sec. 11 of Ch. 390. Note: This section was added on Nov. 8, 1988, by initiative Prop. 103.)
CA Ins Code § 1861.09 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.09.

1861.09.  Judicial review shall be in accordance with Section 1858.6. For purposes of judicial review, a decision to hold a hearing is not a final order or decision; however, a decision not to hold a hearing is final.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.10 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.10.

1861.10.  Consumer Participation.  (a) Any person may initiate or intervene in any proceeding permitted or established pursuant to this chapter, challenge any action of the commissioner under this article, and enforce any provision of this article.(b) The commissioner or a court shall award reasonable advocacy and witness fees and expenses to any person who demonstrates that (1) the person represents the interests of consumers, and, (2) that he or she has made a substantial contribution to the adoption of any order, regulation, or decision by the commissioner or a court. Where such advocacy occurs in response to a rate application, the award shall be paid by the applicant.(c) All requests for a finding of eligibility to seek compensation and all findings of eligibility, as described in Section 2662.2 of Title 10 of the California Code of Regulations, shall be published on the Department of Insurance Internet Web site during the eligibility period.(Amended by Stats. 2012, Ch. 100, Sec. 1. (AB 2406) Effective January 1, 2013. Note: This section was added on Nov. 8, 1988, by initiative Prop. 103.)
CA Ins Code § 1861.11 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.11.

1861.11.  Emergency Authority.  In the event that the commissioner finds that (a) insurers have substantially withdrawn from any insurance market covered by this article, including insurance described by Section 660, and (b) a market assistance plan would not be sufficient to make insurance available, the commissioner shall establish a joint underwriting authority in the manner set forth by Section 11891, without the prior creation of a market assistance plan.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.12 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.12.

1861.12.  Group Insurance Plans.  Any insurer may issue any insurance coverage on a group plan, without restriction as to the purpose of the group, occupation or type of group. Group insurance rates shall not be considered to be unfairly discriminatory, if they are averaged broadly among persons insured under the group plan.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.13 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.13.

1861.13.  Application.  This article shall apply to all insurance on risks or on operations in this state, except those listed in Section 1851.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.137 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.137.

1861.137.  (a) Notwithstanding Section 1861.13, credit insurance shall not be subject to Sections 1861.01 and 1861.05. However, any rate for credit insurance shall be filed with the commissioner before it may be used in this state, and that rate may be used immediately upon filing with the commissioner.(b) The rates for credit insurance shall not be excessive, inadequate, unfairly discriminatory, or otherwise in violation of this chapter, except Sections 1861.01 and 1861.05.(Added by Stats. 1990, Ch. 1032, Sec. 4.)
CA Ins Code § 1861.14 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.14.

1861.14.  Enforcement & Penalties.  Violations of this article shall be subject to the penalties set forth in Section 1859.1. In addition to the other penalties provided in this chapter, the commissioner may suspend or revoke, in whole or in part, the certificate of authority of any insurer which fails to comply with the provisions of this article.(Added November 8, 1988, by initiative Proposition 103.)
CA Ins Code § 1861.15 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 9 - Rates and Rating and Other Organizations|ARTICLE 10 - Reduction and Control of Insurance Rates|Section 1861.15.

1861.15.  (a) An insurer issuing policies as described in subdivision (a) of Section 660, shall, as a condition of obtaining and maintaining a certificate of authority to transact the business of insurance in this state, offer to persons who qualify for a good driver discount pursuant to Sections 1861.02 and 1861.025, automobile liability coverage in the minimum financial responsibility coverage amounts specified in subdivision (a) of Section 16056 of the Vehicle Code, and sell that coverage to those who request it.(b) In soliciting the issuance or renewal of a policy of automobile liability insurance, an insurer, broker, agent, or any other employee of the insurer shall disclose to persons eligible for a good driver discount the minimum financial responsibility coverage amounts required pursuant to Section 16056 of the Vehicle Code, and that the insurer is legally required to furnish coverage in those minimum amounts, if requested.(c) Nothing in this section shall be construed to affect any obligation imposed on any insurer by law to offer and sell any other kind or amount of insurance.(d) This section does not apply to any insurer that, on November 7, 1988, did not offer to sell a minimum financial responsibility policy as described in subdivision (a) and that did not write more than 1 percent of the private passenger automobile liability policies in effect on November 7, 1988.(Added by Stats. 1990, Ch. 1185, Sec. 1. Effective September 24, 1990.)
CA Ins Code § 1871 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 12 - The Insurance Frauds Prevention Act|ARTICLE 1 - False and Fraudulent Claims|Section 1871.

1871.  The Legislature finds and declares as follows:(a) The business of insurance involves many transactions that have the potential for abuse and illegal activities. There are numerous law enforcement agencies on the state and local levels charged with the responsibility for investigating and prosecuting fraudulent activity. This chapter is intended to permit the full utilization of the expertise of the commissioner and the department so that they may more effectively investigate and discover insurance frauds, halt fraudulent activities, and assist and receive assistance from federal, state, local, and administrative law enforcement agencies in the prosecution of persons who are parties in insurance frauds.(b) Insurance fraud is a particular problem for automobile policyholders; fraudulent activities account for 15 to 20 percent of all auto insurance payments. Automobile insurance fraud is the biggest and fastest growing segment of insurance fraud and contributes substantially to the high cost of automobile insurance with particular significance in urban areas.(c) Prevention of automobile insurance fraud will significantly reduce the incidence of severity and automobile insurance claim payments and will therefore produce a commensurate reduction in automobile insurance premiums.(d) Workers’ compensation fraud harms employers by contributing to the increasingly high cost of workers’ compensation insurance and self-insurance and harms employees by undermining the perceived legitimacy of all workers’ compensation claims.(e) Prevention of workers’ compensation insurance fraud may reduce the number of workers’ compensation claims and claim payments thereby producing a commensurate reduction in workers’ compensation costs. Prevention of workers’ compensation insurance fraud will assist in restoring confidence and faith in the workers’ compensation system, and will facilitate expedient and full compensation for employees injured at the workplace.(f) The actions of employers who fraudulently underreport payroll or fail to report payroll for all employees to their insurance company in order to pay a lower workers’ compensation premium result in significant additional premium costs and an unfair burden to honest employers and their employees.(g) The actions of employers who fraudulently fail to secure the payment of workers’ compensation as required by Section 3700 of the Labor Code harm employees, cause unfair competition for honest employers, and increase costs to taxpayers.(h) Health insurance fraud is a particular problem for health insurance policyholders. Although there are no precise figures, it is believed that fraudulent activities account for billions of dollars annually in added health care costs nationally. Health care fraud causes losses in premium dollars and increases health care costs unnecessarily.(Amended by Stats. 2002, Ch. 6, Sec. 2.5. Effective January 1, 2003.)
CA Ins Code § 1871.1 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 12 - The Insurance Frauds Prevention Act|ARTICLE 1 - False and Fraudulent Claims|Section 1871.1.

1871.1.  Insurers and their agents, while they are investigating suspected fraud claims, shall have access to all relevant public records that are required to be open for inspection under Chapter 3.5 (commencing with Section 6250) of Division 7 of Title 1 of the Government Code, and any regulations thereunder. This section restates existing law, and the Legislature does not intend to grant insurers or their agents access to public records other than to those public records available to them under existing law.(Added by Stats. 1993, Ch. 323, Sec. 1. Effective January 1, 1994. Superseded on January 1, 2023; see amendment by Stats. 2021, Ch. 615.)
CA Ins Code § 1871.1 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 12 - The Insurance Frauds Prevention Act|ARTICLE 1 - False and Fraudulent Claims|Section 1871.1.

1871.1.  Insurers and their agents, while they are investigating suspected fraud claims, shall have access to all relevant public records that are required to be open for inspection under Division 10 (commencing with Section 7920.000) of Title 1 of the Government Code, and any regulations thereunder. This section restates existing law, and the Legislature does not intend to grant insurers or their agents access to public records other than to those public records available to them under existing law.(Amended by Stats. 2021, Ch. 615, Sec. 307. (AB 474) Effective January 1, 2022. Operative January 1, 2023, pursuant to Sec. 463 of Stats. 2021, Ch. 615.)
CA Ins Code § 1871.2 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 12 - The Insurance Frauds Prevention Act|ARTICLE 1 - False and Fraudulent Claims|Section 1871.2.

1871.2.  (a) An insurer who, in connection with any insurance application, contract, or provision of contract described in Section 108, prints, reproduces, or furnishes a form to any person upon which that person applies for a policy, seeks to make a change to an existing policy, or gives notice of a claim to the insurer or makes a claim against the insurer by reason of accident, injury, death, or other noticed or claimed loss, or on a rider attached to the form, shall cause to be printed or displayed in comparative prominence with other content the statement: “Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.” This statement shall be preceded by the words: “For your protection California law requires the following to appear on this form” or other explanatory words of similar meaning.(b) This section is not applicable to a contract of reinsurance as defined in Section 620.(Amended by Stats. 2021, Ch. 627, Sec. 9. (AB 1511) Effective January 1, 2022.)
CA Ins Code § 1871.3 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 12 - The Insurance Frauds Prevention Act|ARTICLE 1 - False and Fraudulent Claims|Section 1871.3.

1871.3.  (a) In the case of any claim arising from the theft of an insured vehicle, prior to the settlement of the claim, the insurer shall secure from the insured a claim form which shall contain, among other things, the following:(1) A warning that false representations made on the signed claim form by the insured subject the insured to a penalty of perjury. (2) A detailed description of the insured vehicle including the interior, exterior, and any special equipment. (3) The purchase location of the insured vehicle, the purchase date, and the name of the seller. (4) A detailed statement of the circumstances surrounding the theft. (5) The current driver’s license number of the insured, except where the vehicle is owned by a person that is not a natural person, or the claimant is a financial institution and the vehicle is insured pursuant to an insurance policy issued to the financial institution to protect vehicles that are collateral securing any loan made by the financial institution. A financial institution shall provide, to the extent it has the information, the current driver’s license number of the registered owner of the vehicle or the debtor who has obtained the loan. (b) For purposes of complying with the requirements of subdivision (a), the insured shall do either of the following:(1) Sign the claim form in the presence of the insurance agent, broker, adjuster, or other claims representative, who shall verify the driver’s license number of the insured who is signing the claim form. (2) Submit a claim form with a notarized signature.(c) The claim form shall be signed under penalty of perjury. (d) The insurer shall retain the following for at least three years:(1) All settlement checks in settlement of the theft of an automobile, or an electronic copy thereof.(2) The original claim form provided for in subdivision (a), or an electronic copy thereof.(3) A legible copy of the police report of the vehicle theft, or an electronic copy thereof.(Amended by Stats. 2004, Ch. 93, Sec. 1. Effective January 1, 2005.)
CA Ins Code § 1871.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 12 - The Insurance Frauds Prevention Act|ARTICLE 1 - False and Fraudulent Claims|Section 1871.5.

1871.5.  Any person convicted of workers’ compensation fraud pursuant to Section 1871.4 or Section 550 of the Penal Code shall be ineligible to receive or retain any compensation, as defined in Section 3207 of the Labor Code, where that compensation was owed or received as a result of a violation of Section 1871.4 or Section 550 of the Penal Code for which the recipient of the compensation was convicted.(Added by Stats. 1993, Ch. 120, Sec. 3.1. Effective July 16, 1993.)