reglab/housing_qa huggingface dataset:
CA Ins Code § 500 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 5.2 - Renewal Notices|Section 500.

500.  Whenever any insurer has, as a regular course of conduct, sent renewal premium notices to an insured, and intends to discontinue that practice, it shall notify such insured of its intention not to send such notices.(Added by Stats. 1972, Ch. 357.)
CA Ins Code § 510 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 5.3 - Consumer Complaints|Section 510.

510.  (a) Whenever a policy of insurance specified in Section 660 or 675, a policy of life insurance as defined in Section 101, a policy of disability insurance as defined in Section 106, or a certificate of coverage as defined in Section 10270.6, is first issued to or delivered to a new insured or a new policyholder in this state, the insurer shall include a written disclosure containing the name, address, toll-free telephone number, and Internet Web site of the unit within the Department of Insurance that deals with consumer affairs. The telephone number shall be the same as that provided to consumers under Section 12921.1. The disclosure shall be printed in large, boldface type.The disclosure shall also contain the address and customer service telephone number of the insurer, or the address and customer service telephone number of the agent or broker of record, or all of those addresses and telephone numbers. All addresses and telephone numbers for the insurer or the agent or broker of record shall be prominently displayed, in boldfaced type. The disclosure shall also contain a statement that the Department of Insurance should be contacted only after discussions with the insurer, or its agent or other representative, or both, have failed to produce a satisfactory resolution to the problem. If the policy or certificate was issued or delivered by an agent or broker, the disclosure shall specifically advise the insured to contact his or her agent or broker for assistance.(b) This section shall become operative on January 1, 2017.(Repealed (in Sec. 1) and added by Stats. 2015, Ch. 348, Sec. 2. (AB 1515) Effective January 1, 2016. Section operative January 1, 2017, by its own provisions.)
CA Ins Code § 515 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 5.4 - Proof of Coverage Disclosure|Section 515.

515.  (a) (1) Notwithstanding any other law, an insurer issuing policies of automobile liability insurance or motor vehicle liability insurance shall, upon request of either the named insured or the Department of Motor Vehicles, promptly issue to that person or the department written verification as to the existence of that coverage.(2) Upon the request of the insured, an insurer may issue the verification as to the existence of that coverage in an electronic format to a mobile electronic device to the extent available. This section does not require an insurer to provide the verification of coverage in an electronic format in real time.(b) For purposes of this section, “mobile electronic device” has the same meaning as defined in subdivision (f) of Section 16028 of the Vehicle Code. (Amended by Stats. 2012, Ch. 236, Sec. 1. (AB 1708) Effective January 1, 2013.)
CA Ins Code § 590 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 7 - Double Insurance|Section 590.

590.  A double insurance exists where the same person is insured by several insurers separately in respect to the same subject and interest.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 591 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 7 - Double Insurance|Section 591.

591.  In case of double insurance, the several insurers are liable to pay losses thereon as follows:(a) In fire insurance, each insurer shall contribute ratably, without regard to the dates of the several policies.(b) In marine insurance, the liability of the several insurers for a total loss, whether actual or constructive, where the policies are not simultaneous, is in the order of the dates of the several policies. No liability attaches to a second or other subsequent policy, except as to the excess of the loss over the amount of all previous policies on the same interest. If two or more policies bear the same date, they are deemed to be simultaneous, and each insurer on simultaneous policies shall contribute ratably. The insolvency of any of the insurers does not affect the proportionate liability of the other insurers.All insurers on the same marine interest shall contribute ratably for a partial or average loss.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 620 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 8 - Reinsurance|Section 620.

620.  A contract of reinsurance is one by which an insurer procures a third person to insure him against loss or liability by reason of such original insurance.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 621 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 8 - Reinsurance|Section 621.

621.  A reinsurance is presumed to be a contract of indemnity against liability, and not merely against damage.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 622 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 8 - Reinsurance|Section 622.

622.  Where an insurer obtains reinsurance, he must communicate all the representations of the original insured, and also all the knowledge and information he possesses, whether previously or subsequently acquired, which are material to the risk.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 623 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 8 - Reinsurance|Section 623.

623.  The original insured has no interest in a contract of reinsurance.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 650 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 9 - Rescission|Section 650.

650.  Whenever a right to rescind a contract of insurance is given to the insurer by any provision of this part such right may be exercised at any time previous to the commencement of an action on the contract. The rescission shall apply to all insureds under the contract, including additional insureds, unless the contract provides otherwise.(Amended by Stats. 1983, Ch. 389, Sec. 1.)
CA Ins Code § 651 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 9 - Rescission|Section 651.

651.  Whenever an insurer gives notice of rescission of an automobile liability policy, upon request of the driver, the insurer, within 15 days of receipt of the request, shall furnish to the insured a statement setting forth the ground or grounds upon which the notice of rescission is based. There shall be no liability on the part of, and no cause of action shall arise against, any insurer or authorized representative, or its licensed investigative sources, for any statements made by them in a written notice required to be given pursuant to this section. If the insurer fails to comply with the provisions of this section, the insured may apply to the commissioner for a certificate of the facts or information desired. Any such request shall be made in accordance with Article 3 (commencing with Section 12950) of Chapter 2 of Division 3, and the commissioner shall exercise any power conferred upon him by that article as may be necessary to ensure compliance with this section.(Amended by Stats. 2008, Ch. 107, Sec. 1. Effective January 1, 2009.)
CA Ins Code § 655 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 9.5 - Filing of Certificates|Section 655.

655.  Every insurer issuing policies of motor vehicle liability insurance within the meaning of Section 16450 of the Vehicle Code, automobile liability insurance within the meaning of Section 16054 of that code, or any other liability insurance issued for vehicles with less than four wheels that meets the requirements of Section 16056 of that code shall also, as an incident thereto, complete and file the certificate or certificates provided for under Section 16431 of that code. The proof required by this section may be provided by the filing of a single certificate.(Amended by Stats. 1991, Ch. 1177, Sec. 1. Effective October 14, 1991.)
CA Ins Code § 657 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 9.6 - Reasons for Denial of Motor Vehicle Liability Insurance|Section 657.

657.  (a) Where any admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, or any licensed insurance agent refuses to accept an application for such a policy or refuses to issue such a policy when a written application has been made, the refusing agent or refusing insurer shall furnish to the applicant for insurance a written statement explaining the reason or reasons relied upon for such action if within 30 days of such refusal the applicant requests in writing, from the agent or insurer who has refused to accept the application or to issue the policy, such a written explanation. Such statement shall be furnished within 30 days of receipt of such request.(b) Any insurer or agent willfully violating any provisions of this section is guilty of a misdemeanor and is punishable by a fine not exceeding one thousand dollars ($1,000) for each violation thereof.(c) There shall be no liability on the part of, and no cause of action of any nature shall arise against, the Insurance Commissioner or against any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to the reasons for such a refusal, for any statement made by any of them in any written notice of reasons for refusing to accept the application or issue the policy or in any other communication, oral or written, specifying the reasons for such action or the providing of the information pertaining thereto, or for statements made or evidence submitted in any hearings conducted in connection therewith.(Amended by Stats. 1983, Ch. 1092, Sec. 177. Effective September 27, 1983. Operative January 1, 1984, by Sec. 427 of Ch. 1092.)
CA Ins Code § 658 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 9.6 - Reasons for Denial of Motor Vehicle Liability Insurance|Section 658.

658.  Where any admitted insurer, licensed to issue motor vehicle liability policies as defined in Section 16450 of the Vehicle Code, refuses to accept an applicant for a good driver discount policy as defined in paragraph (1) of subdivision (b) of Section 1861.02 or refuses to issue a good driver discount policy when written application has been made, and where the applicant meets the criteria for purchase of a good driver discount policy, the refusing insurer shall furnish the applicant for insurance a written statement within 10 days of the refusal explaining the reason or reasons relied upon for denying insurance coverage. Notwithstanding Section 1633.3 of the Civil Code, the written statement explaining the reason or reasons for denying the coverage may not be electronically delivered to the applicant unless the application for the good driver discount was electronically delivered to the insurer.(Amended by Stats. 2009, Ch. 433, Sec. 7. (AB 328) Effective January 1, 2010.)
CA Ins Code § 661 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 661.

661.  (a) A notice of cancellation of a policy shall be effective only if it is based on one or more of the following reasons:(1) Nonpayment of premium.(2) The driver’s license or motor vehicle registration of the named insured or of any other operator who either resides in the same household or customarily operates an automobile insured under the policy has been under suspension or revocation during the policy period or, if the policy is a renewal, during its policy period or the 180 days immediately preceding its effective date.(3) Discovery of fraud by the named insured in pursuing a claim under the policy provided the insurer does not rescind the policy.(4) Discovery of material misrepresentation of any of the following information concerning the named insured or any resident of the same household who customarily operates an automobile insured under the policy:(A) Safety record.(B) Annual miles driven in prior years.(C) Number of years of driving experience.(D) Record of prior automobile insurance claims, if any.(E) Any other factor found by the commissioner to have a substantial relationship to the risk of loss.Any insured who negligently misrepresents information described in this paragraph may avoid cancellation by furnishing corrected information to the insurer within 20 days after receiving notice of cancellation and agreeing to pay any difference in premium for the policy period in which the information remained undisclosed.(5) A substantial increase in the hazard insured against.(b) Modification of automobile physical damage coverage by the inclusion of a deductible not exceeding one hundred dollars ($100) shall not be deemed a cancellation of the coverage or of the policy.(c) This section shall not apply to nonrenewal.(Amended by Stats. 2012, Ch. 786, Sec. 5. (AB 2303) Effective January 1, 2013.)
CA Ins Code § 662 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 662.

662.  (a) A notice of cancellation of a policy shall not be effective unless mailed or delivered by the insurer to the named insured, lienholder, or additional interest at least 20 days prior to the effective date of cancellation; provided, however, that where cancellation is for nonpayment of premium, at least 10 days’ notice of cancellation accompanied by the reason for the cancellation shall be given. Unless the reason accompanies or is included in the notice of cancellation, the notice of cancellation shall state or be accompanied by a statement that upon written request of the named insured, mailed or delivered to the insurer not less than 15 days prior to the effective date of cancellation, the insurer will specify the reason for the cancellation.(b) This section shall not apply to nonrenewal.(c) Notices made to lienholders pursuant to this section may be done electronically with the consent of the lienholder.(Amended by Stats. 2013, Ch. 321, Sec. 2. (AB 1391) Effective January 1, 2014.)
CA Ins Code § 662.1 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 662.1.

662.1.  Proof of mailing or delivery of a notice of cancellation to a lienholder or an additional interest on a policy to which this chapter applies shall be sufficient to terminate the interest of the parties provided the notice is mailed or delivered at least the maximum number of days prior to termination of the parties’ interest as required by Section 662. For purposes of this section, “delivery” includes electronic transmittal or facsimile or personal delivery. No lienholder or additional interest shall require a more restrictive form of notice.(Amended by Stats. 1993, Ch. 401, Sec. 1. Effective January 1, 1994.)
CA Ins Code § 663 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 663.

663.  (a) Before policy expiration, an insurer shall deliver to or mail to the named insured, at the address shown on the policy, one of the following:(1) At least 20 days before expiration, a written or verbal offer of renewal of the policy, contingent upon payment of premium as stated in the offer.(2) At least 30 days before expiration, a written notice of nonrenewal of the policy, including the statement required by Section 666.(b) (1) An insurer that delivers a verbal offer to renew that is declined by an insured shall, at least 20 days before expiration of the policy, deliver to or mail to the named insured, at the address shown on the policy, a written confirmation of the offer and rejection.(2) An insurer that attempts to satisfy subdivision (a) with a verbal offer to renew, but is unable to contact the named insured directly at least 20 days before policy expiration, shall, at least 20 days before policy expiration, deliver to or mail to the named insured, at the address shown on the policy, a written offer to renew the policy, contingent upon payment of premium as stated in the offer.(c) In the event that an insurer fails to give the named insured either an offer of renewal or notice of nonrenewal as required by this section, the existing policy, with no change in its terms and conditions, shall remain in effect for 30 days from the date that either the offer to renew or the notice of nonrenewal is delivered or mailed to the named insured. A notice to this effect shall be provided by the insurer to the named insured with the policy or the notice of renewal or nonrenewal. Notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any other replacement or succeeding automobile insurance policy procured by the insured, or his agent or broker, with respect to any automobile designated in both policies.(d) The insurer shall not be required to notify the named insured, or any other insured, of nonrenewal of the policy if the insurer has mailed or delivered a notice of expiration or cancellation, on or prior to the 30th day preceding expiration of the policy period.(e) This section shall become operative on January 1, 2019.(Repealed (in Sec. 6) and added by Stats. 2013, Ch. 369, Sec. 7. (SB 251) Effective January 1, 2014. Section operative January 1, 2019, by its own provisions.)
CA Ins Code § 663.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 663.5.

663.5.  (a) No insurer shall fail to renew a policy solely on the basis of the age of the insured.(b) On and after January 1, 2000, no insurer shall fail to renew a policy solely on the grounds that a claim is pending under the policy. This subdivision shall not be construed to limit an insurer’s ability to nonrenew a policy based upon a directive from the commissioner for solvency or other financially related issues. This subdivision shall not be construed to limit an insurer’s right to cancel a policy pursuant to Section 676.(Amended by Stats. 1999, Ch. 313, Sec. 1. Effective January 1, 2000.)
CA Ins Code § 664 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 664.

664.  Proof of mailing of notice of cancellation, or of intention not to renew or of reasons for cancellation, to the named insured at the address shown in the policy or to the named insured’s latest known address, shall be sufficient proof of notice.(Repealed and added by Stats. 1968, Ch. 137.)
CA Ins Code § 664.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 664.5.

664.5.  Any insurer who requires periodic physical examinations of an insured as a condition of renewal of a policy shall pay the cost of such physical examinations, except that an insurer shall not pay any cost if it elects to accept the certified written results of an insured’s physical examination voluntarily conducted within 12 months preceding the policy expiration or renewal date.(Added by Stats. 1975, Ch. 296.)
CA Ins Code § 665 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 665.

665.  When a policy of automobile liability insurance is canceled, other than for nonpayment of premium, or in the event of failure to renew a policy of automobile liability insurance to which Section 663 applies, the insurer shall notify the named insured of his possible eligibility for automobile liability insurance through the automobile liability assigned risk plan. Such notice shall accompany or be included in the notice of cancellation or the notice of intent not to renew.(Added by Stats. 1968, Ch. 137.)
CA Ins Code § 666 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 666.

666.  Where the reason for cancellation does not accompany or is not included in the notice of cancellation, the insurer shall upon written request of the named insured, mailed or delivered to the insurer not less than 15 days prior to the effective date of cancellation, specify in writing the reason for the cancellation. The reason shall be mailed or delivered to the named insured within five days after receipt of the request. Notwithstanding Section 1633.3 of the Civil Code, the writing specifying the reason for cancellation may not be delivered electronically to the insured unless the insured electronically delivered the request to the insurer.(Amended by Stats. 2009, Ch. 433, Sec. 9. (AB 328) Effective January 1, 2010.)
CA Ins Code § 667 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 667.

667.  There shall be no liability on the part of, and no cause of action of any nature shall arise against, the Insurance Commissioner or against any insurer, its authorized representative, its agents, its employees, or any firm, person, or corporation furnishing to the insurer information as to reasons for cancellation or nonrenewal, for any statement made by any of them in any written notice of cancellation or nonrenewal, or in any other communication, oral or written, specifying the reasons for cancellation or nonrenewal, or the providing of information pertaining thereto, or for statements made or evidence submitted at any hearings conducted in connection therewith.(Amended by Stats. 1969, Ch. 227.)
CA Ins Code § 667.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 667.5.

667.5.  Unless a policy specifically provides otherwise, the cancellation of a policy, or any change in the policy, executed by an insurer, at the request of the named insured designated on the declarations page of the policy, shall be binding upon any other insured or named insured.Notice of cancellation or an endorsement evidencing the named insured’s request shall be mailed or delivered to the address stated in the policy to all individuals or to all entities designated as named insureds on the declarations page of the policy.(Added by Stats. 1985, Ch. 1266, Sec. 1.)
CA Ins Code § 668 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 10 - Cancellation or Failure to Renew|Section 668.

668.  Section 663 shall not apply to policies of liability insurance issued pursuant to assigned risk plans.(Added by Stats. 1968, Ch. 595.)