reglab/housing_qa huggingface dataset:
CA Ins Code § 460 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 5 - Inception Hours|Section 460.

460.  On and after January 1, 1972, every printed form of an insurance contract, including every policy, endorsement, rider, or any amendment thereof issued in this state by any insurer or issued for delivery in this state by any insurer shall state an inception hour for coverage of 12:01 a.m. of the date upon which it is to be dated. However, the contract may provide that the inception time shall not be prior to the time applied for. Unless a specific provision of this code otherwise prescribes or permits, the hour prescribed shall be standard time at the residence within this state, or the principal place of business within this state, of the insured.This section shall not prohibit an insurer, directly or through an agent, from issuing a binder, whether it be oral or typed by insertions in blanks in a printed form, specifying an inception or termination hour other than 12:01 a.m. on the date upon which the coverage is to commence, or end, as specified in the standard form or forms issued as the normal policy. Such binder shall not be subject to Section 382 nor have the technical meaning therein ascribed to “covering notes.”This section shall not prohibit an insurer from issuing any policy or contract on a normal printed form which contains a provision extending the period of coverage for either 12 hours preceding, or following, the effective hour otherwise required by this section.This section shall not apply to:(1) Life insurance as defined in Section 101 or such supplemental disability insurance as is defined in Sections 10271 and 10292.(2) Marine insurance as defined in Section 103.(3) Title insurance as defined in Section 104.(4) Mortgage insurance as defined in Section 107.(5) Mortgage guarantee insurance as defined in Section 119.(6) Surety insurance, as defined in Section 105, or disability insurance, as defined in Section 106, unless, until, and to the extent following:The commissioner, on or after the effective date of the amendment of this section at the 1969 Regular Session of the Legislature, from time to time, as to specific types, classes, or categories of such insurance, declares, by rules and regulations promulgated as provided by law, that this section shall apply. Such rules or regulations shall provide that no policy or other form required by law to be approved by the commissioner need be refiled for approval if the only change from a previously approved form is the inclusion or change of the inception or termination hour.(Amended by Stats. 1983, Ch. 656, Sec. 1.)
CA Ins Code § 520 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 1 - Transfer of Interest After Loss|Section 520.

520.  An agreement not to transfer the claim of the insured against the insurer after a loss has happened, is void if made before the loss except as otherwise provided in Article 2 of Chapter 1 of Part 2 of Division 2 of this code.(Amended by Stats. 1947, Ch. 904.)
CA Ins Code § 530 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 530.

530.  An insurer is liable for a loss of which a peril insured against was the proximate cause, although a peril not contemplated by the contract may have been a remote cause of the loss; but he is not liable for a loss of which the peril insured against was only a remote cause.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 530.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 530.5.

530.5.  If a loss or damage results from a combination of perils, one of which is a landslide, mudslide, mudflow, or debris flow, coverage shall be provided if an insured peril is the efficient proximate cause of the loss or damage and coverage would otherwise be provided for the insured peril. Coverage shall be provided under the same terms and conditions as would be provided for the insured peril.(Added by Stats. 2018, Ch. 620, Sec. 1. (SB 917) Effective January 1, 2019.)
CA Ins Code § 531 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 531.

531.  An insurer is liable:(a) Where the thing insured is rescued from a peril insured against, and which would otherwise have caused a loss, if, in the course of such rescue, the thing is exposed to a peril not insured against, and which permanently deprives the insured of its possession, in whole or in part.(b) If a loss is caused by efforts to rescue the thing insured from a peril insured against.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 532 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 532.

532.  If a peril is specially excepted in a contract of insurance and there is a loss which would not have occurred but for such peril, such loss is thereby excepted even though the immediate cause of the loss was a peril which was not excepted.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 533 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 533.

533.  An insurer is not liable for a loss caused by the wilful act of the insured; but he is not exonerated by the negligence of the insured, or of the insured’s agents or others.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 533.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 533.5.

533.5.  (a) No policy of insurance shall provide, or be construed to provide, any coverage or indemnity for the payment of any fine, penalty, or restitution in any criminal action or proceeding or in any action or proceeding brought pursuant to Chapter 5 (commencing with Section 17200) of Part 2 of, or Chapter 1 (commencing with Section 17500) of Part 3 of, Division 7 of the Business and Professions Code by the Attorney General, any district attorney, any city prosecutor, or any county counsel, notwithstanding whether the exclusion or exception regarding this type of coverage or indemnity is expressly stated in the policy. (b) No policy of insurance shall provide, or be construed to provide, any duty to defend, as defined in subdivision (c), any claim in any criminal action or proceeding or in any action or proceeding brought pursuant to Chapter 5 (commencing with Section 17200) of Part 2 of, or Chapter 1 (commencing with Section 17500) of Part 3 of, Division 7 of the Business and Professions Code in which the recovery of a fine, penalty, or restitution is sought by the Attorney General, any district attorney, any city prosecutor, or any county counsel, notwithstanding whether the exclusion or exception regarding the duty to defend this type of claim is expressly stated in the policy. (c) For the purpose of this section, “duty to defend” means the insurer’s right or obligation to investigate, contest, defend, control the defense of, compromise, settle, negotiate the compromise or settlement of, or indemnify for the cost of any aspect of defending any claim in any criminal action or proceeding or in any action or proceeding brought pursuant to Chapter 5 (commencing with Section 17200) of Part 2 of, or Chapter 1 (commencing with Section 17500) of Part 3 of, Division 7 of the Business and Professions Code in which the insured expects or contends that (1) the insurer is liable or is potentially liable to make any payment on behalf of the insured or (2) the insurer will provide a defense for a claim even though the insurer is precluded by law from indemnifying that claim. (d) Any provision in a policy of insurance which is in violation of subdivision (a) or (b) is contrary to public policy and void.(Amended by Stats. 1991, Ch. 1195, Sec. 4.)
CA Ins Code § 533.7 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 2 - Causes of Loss|Section 533.7.

533.7.  Notwithstanding any other law, an insurer may defend a duly licensed physician or surgeon against any cause of action involving the performance of any act for which a physician’s and surgeon’s certificate is required.(Added by Stats. 1988, Ch. 489, Sec. 2.)
CA Ins Code § 550 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 550.

550.  In case of loss upon an insurance against fire, an insurer is exonerated if notice thereof is not given to him without unnecessary delay by an insured or some person entitled to the benefit of the insurance.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 551 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 551.

551.  Except in the case of life, marine, or fire insurance, notice of an accident, injury, or death may be given at any time within twenty days after the event, to the insurer under a policy against loss therefrom. In such a policy, no requirement of notice within a lesser period shall be valid.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 552 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 552.

552.  When preliminary proof of loss is required by a policy, the insured is not bound to give such proof as would be necessary in a court of justice; but it is sufficient for him to give the best evidence in his power at the time.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 553 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 553.

553.  All defects in a notice of loss, or in preliminary proof thereof, which the insured might remedy, and which the insurer omits to specify to him, without unnecessary delay, as grounds of objection, are waived.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 554 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 554.

554.  Delay in the presentation to an insurer of notice or proof of loss is waived, if caused by an act of his, or if he omits to make objection promptly and specifically upon that ground.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 555 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 555.

555.  If a policy requires, by way of preliminary proof of loss, the certificate or testimony of a person other than the insured or beneficiary, there is sufficient compliance with the requirement if the insured or the beneficiary (a) uses reasonable diligence to procure the certificate or testimony, and (b) in case of refusal to give it to him, furnishes reasonable evidence to the insurer that the refusal was not induced by just grounds of disbelief in the facts necessary to be certified or testified.(Amended by Stats. 1941, Ch. 876.)
CA Ins Code § 557 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 3 - Notice and Proofs of Loss|Section 557.

557.  It is a misdemeanor for any person alone or in concert to prepare or make any bid or other writing which falsely purports to be a bona fide offer to repair a damaged motor vehicle or any other damaged property, with the intent that the same be used for the purpose of fraudulently leading an automobile liability insurer to believe:(a) That a bid of some other person represents an offer made in open competition; or(b) That the policy provisions of such insurer governing bids for the repair of vehicles or other property insured under the policy have been complied with in good faith.(Added by Stats. 1959, Ch. 1907.)
CA Ins Code § 560 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 4 - Payment of Automobile Collision Repairs|Section 560.

560.  (a) An insurer that issues a policy providing automobile collision coverage, as defined in subdivision (d) of Section 660, or automobile physical damage coverage, as defined in subdivision (c) of Section 660, shall, if a covered automobile is damaged by collision or otherwise and the insurer knows that the automobile will be repaired by the repairer, make payment by check or draft, payable to the repairer or to the named insured and the repairer, jointly, or, with the consent of the repairer, by an electronic funds transfer to the repairer, not later than 10 days subsequent to receipt of an itemized bill or invoice covering repairs authorized by the insurer which have been satisfactorily completed. This section applies if the insured has received actual notice that the repairer is doing work pursuant to a contract approved by the insurance company and, in that case, the payment shall include the name of the repairer.(b) (1) This section does not limit the right of an insured to select, or prohibit an insured from selecting, the auto body repair shop or other repair facility to repair the damaged vehicle, as described in Section 758.5, nor does it limit the right of an insured to decide, or prohibit an insured from deciding, not to have the vehicle repaired. If the insured decides not to have the vehicle repaired, the insurer shall not withhold the payment of reasonable repair cost benefits that are otherwise payable under the policy.(2) This section does not prohibit an insurer from restricting payment in cases of suspected fraud or from including a named loss payee or lienholder as an additional payee on the claims payment check or draft, to the degree the insurance policy permits the loss payee or lienholder to be added as additional payee on the claims payment check or draft.(3) This section does not prohibit an insurer from requiring that a damaged vehicle be repaired as a condition for payment if the damage to the vehicle is sufficiently serious that safety features that are part of the vehicle’s operating systems are compromised.(Amended by Stats. 2019, Ch. 132, Sec. 1. (AB 1538) Effective January 1, 2020.)
CA Ins Code § 570 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 5 - Certain Insurance Covering Real Property|Section 570.

570.  Except in the event that the insurer has previously obtained a release on a loss, each insurer which issues, amends, or renews, on or after January 1, 1975, a policy of insurance covering repair or reconstruction work on commercial, industrial, or residential real property and appurtenances thereon, shall, in the event of covered work being performed by a licensee under the Contractors License Law (Chapter 9 (commencing with Section 7000) of Division 3 of the Business and Professions Code), make payment by check or draft directly to the contractor performing the work, or, with the consent of the contractor, by an electronic funds transfer to the contractor performing the work, and not to the owner of the property, in every case in which all of the following conditions are present and the insurer has actual knowledge thereof:(a) The property owner of record has, in a writing signed by him and transmitted to the insurer, stated all of the following:(1) The work completed meets with his satisfaction.(2) The insurer, upon direct payment to the contractor, is released from liability.(3) The writing was not completed or signed by him until after all work was completed.(b) The property owners of record, the named insured, and any loss payee have consented in writing to such direct payment and release from liability.(c) The completed work has been certified by the appropriate public agency or authority as conforming to existing building, electrical, and construction codes.(d) Each subcontractor of the contractor, and each materialman, to whom direct payment is to be made by the insurer has executed, and filed of record, releases of any and all claims, including, but not limited to, mechanic’s liens, which the subcontractor and materialman might have against the property or any appurtenance thereof, the property owners of record, the named insured, and any loss payee named in the policy, for any work the subcontractor performed, or material the materialman furnished, upon the property under the contract for which such payment is being made. The property owner or the contractor, as the case may be, shall submit to the insurer proof, satisfactory to it, of such execution and filing prior to the insurer’s making any direct payment provided for by this article.(Amended by Stats. 2009, Ch. 433, Sec. 5. (AB 328) Effective January 1, 2010.)
CA Ins Code § 571 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 5 - Certain Insurance Covering Real Property|Section 571.

571.  Where the insurer has authorized the work and its liability is not in dispute, the direct payment provided for by Section 570 shall be made to the contractor performing the work not later than 30 days after the insurer has actual knowledge that the conditions of subdivisions (a) through (d) of Section 570 have been completed.(Added by Stats. 1975, Ch. 281.)
CA Ins Code § 572 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 5 - Certain Insurance Covering Real Property|Section 572.

572.  As used in this article, the term “loss payee” shall include, but not be limited to, any mortgagee of the insured real property.(Added by Stats. 1975, Ch. 281.)
CA Ins Code § 580 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 6 - Loss|ARTICLE 6 - Electronic Payment of Claims|Section 580.

580.  Every insurer required to make payment for a loss, may, with the consent of the insured, make payment by an electronic funds transfer. An insurer may not require an insured to consent to payment by an electronic funds transfer.(Added by Stats. 2009, Ch. 433, Sec. 6. (AB 328) Effective January 1, 2010.)
CA Ins Code § 680 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1 - Charter Requirements|Section 680.

680.  An insurer shall not transact any class of insurance which is not authorized by its charter.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 685.1 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1.5 - Retaliation|Section 685.1.

685.1.  This article shall not apply as to personal income taxes, nor as to ad valorem taxes on real or personal property nor as to special purpose obligations or assessments heretofore imposed by another state or foreign country in connection with particular kinds of insurance, other than property insurance; except that deductions, from premium taxes or other taxes otherwise payable, allowed on account of real estate or personal property taxes paid shall be taken into consideration in determining the propriety and extent of retaliatory action under this article.(Added by Stats. 1959, Ch. 2120.)
CA Ins Code § 685.2 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1.5 - Retaliation|Section 685.2.

685.2.  For the purposes of this article the domicile of an alien insurer, other than insurers formed under the laws of Canada, shall be that state in which is located its principal place of business in the United States.In the case of an insurer formed under the laws of Canada or a province thereof, its domicile shall be deemed to be that province in which its head office is situated.(Added by Stats. 1959, Ch. 2120.)
CA Ins Code § 685.3 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1.5 - Retaliation|Section 685.3.

685.3.  To the extent permitted by the California Constitution there is hereby imposed upon the commissioner the duty to enforce Section 685. It shall be the duty of the commissioner to initiate the enforcement and execution of Section 685 in respect to all matters which by the California Constitution or laws of this state require further or final action by other officials of this state. In respect to any matter initiated by the commissioner, it shall be the duty of the Board of Equalization and the Controller to complete the enforcement and execution of Section 685 in respect to that matter within the scope of the duties and powers of each as set forth in the California Constitution and laws of this state.(Amended by Stats. 1996, Ch. 320, Sec. 29. Effective January 1, 1997.)
CA Ins Code § 685.4 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1.5 - Retaliation|Section 685.4.

685.4.  The provisions of this article shall also be applicable to reciprocals or interinsurance exchanges and fraternal benefit societies.(Added by Stats. 1959, Ch. 2120.)
CA Ins Code § 685.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1.5 - Retaliation|Section 685.5.

685.5.  The reduction in the gross premiums tax rate made by Section 12202.2 of the Revenue and Taxation Code shall not be considered in any determination by the Insurance Commissioner to impose or enforce a tax under the retaliatory tax provisions of Sections 685 to 685.4, inclusive, and reported pursuant to Sections 12281, 12287, 12288, and 12289 of the Revenue and Taxation Code.(Added by Stats. 2016, 2nd Ex. Sess., Ch. 2, Sec. 2. (SB 2 2x) Effective June 9, 2016. Operative on July 1, 2016, or later date, as prescribed by Sec. 6 of Ch. 2. Conditionally inoperative as prescribed by Secs. 7 and 8 of Ch. 2.)
CA Ins Code § 688 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 2 - THE BUSINESS OF INSURANCE|CHAPTER 1 - General Regulations|ARTICLE 1.7 - Continuity of Management|Section 688.

688.  The Legislature declares that it is desirable for the general welfare and in particular for the welfare of insurance beneficiaries, policyholders, injured claimants and others that the business of domestic insurers be continued notwithstanding the event of a national emergency.The specific purpose of this chapter is to facilitate the continued operation of domestic insurers in the event that a national emergency is caused by an attack on the United States or by a nuclear, atomic or other disaster which makes it impossible or impracticable for a company to conduct its business in strict accord with applicable provisions of law, its bylaws, or its charter.(Added by Stats. 1963, Ch. 1285.)