reglab/statecodes huggingface dataset:
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.4 - Request for Finding of Eligibility; Time; Contents

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al., May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.5 - Response

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al., May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.6 - Motion to Change Time Periods

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al., May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.7 - Ruling

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al., May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.8 - Request for Award

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al., May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.9 - Amended Request for Award

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al., May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.10 - Decision Awarding Compensation

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.,
						May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.11 - Computation of Compensation

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al. , May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 15 - Intervenor's Fees and Expenses [Repealed] › Section 2629.12 - Time for Payment; Allowance of Award

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al. , May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.1 - Forms

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.08,
						Insurance Code; and CalFarm Insurance Company, et al. v. George Deukmejian, et
						al. , May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.2 - Petition for Hearing

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.3 - Answer

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.4 - Motion to Conduct Prehearing Conference

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.5 - Motion to Dismiss

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.6 - Petition to Intervene

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.7 - Request for Finding of Eligibility to Seek Compensation

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.8 - Request for Award of Compensation

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.9 - Verification (for Corporation)

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.10 - Verification Where Applicant Is Absent from County of Attorney's Office

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Com pany, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.11 - Verification (for Individuals or Partnerships)

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 16 - Sample Forms [Repealed] › Section 2630.12 - Certificate of Service by Mail

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.05(c),
						and
						1861.10(a),
						Insurance Code, CalFarm Insurance Company, et al. v. George Deukmejian, et al.
						, May 4, 1989, Supreme Court No. S007838, pp. 24-25, 89 Daily Journal DAR
						5837.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 17 - Intervenor Compensation in Departmental Proceedings [Repealed] › Section 2631.1 - Purpose

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code; and CalFarm, et al. v. Deukmejian, et al. , 48 Cal.3d 805
						(1989).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 17 - Intervenor Compensation in Departmental Proceedings [Repealed] › Section 2631.2 - Definitions

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code; and CalFarm, et al. v. Deukmejian, et al. , 48 Cal.3d 805
						(1989).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 17 - Intervenor Compensation in Departmental Proceedings [Repealed] › Section 2631.3 - Request for Eligibility

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code; and CalFarm, et al. v. Deukmejian, et al. , 48 Cal.3d 805
						(1989).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 17 - Intervenor Compensation in Departmental Proceedings [Repealed] › Section 2631.4 - Finding of Eligibility

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code; and CalFarm, et al. v. Deukmejian, et al. , 48 Cal.3d 805
						(1989).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 17 - Intervenor Compensation in Departmental Proceedings [Repealed] › Section 2631.5 - Request for Compensation

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code; and CalFarm, et al. v. Deukmejian, et al. , 48 Cal.3d 805
						(1989).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.5 - General Provisions › Article 17 - Intervenor Compensation in Departmental Proceedings [Repealed] › Section 2631.6 - Order for Compensation

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Section
						1861.10(b),
						Insurance Code; and CalFarm, et al. v. Deukmejian, et al. , 48 Cal.3d 805
						(1989).
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 1 - Scope › Section 2632.1 - Scope

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
This subchapter sets forth the criteria to be used for
					 setting rates and premiums for private passenger automobile insurance as
					 defined in California Insurance Code Section
					 660; said
					 criteria do not apply to private passenger automobiles insured pursuant to
					 commercial policies. This subchapter also sets forth criteria pertaining to
					 good driver discounts, the availability of good driver discount policies from
					 insurers, and the determination of chargeable principally at-fault
					 accidents.
1.
					 Certificate of Compliance as to 3-17-94 order including repealer and new
					 article 1 and section transmitted to OAL 7-12-94 and filed 8-23-94; operative
					 9-22-94 (Register 94, No. 34). For prior history, see Register 94, No.
					 11.
Note: Authority cited: Sections
						1861.02,
						12921 and
						12926,
						Insurance Code; and Calfarm Insurance Company v. Deukmejian, 48 Cal.3d 805
						(1989). Reference: Sections
						1861.02(a) and
						(b),
						1861.025
						and
						1861.05,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 2 - Definitions › Section 2632.2 - Rating Factors

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) The
				  term "rating factor" is defined as any factor, including discounts, used by an
				  insurer which establishes or affects the rates, premiums, or charges assessed
				  for a policy of automobile insurance.
(b) Notwithstanding subsection (a), the
				  following matters are not rating factors and nothing in this section shall
				  prevent or limit an insurer from considering such matters, with the prior
				  approval of the Commissioner, in the development of rates and premiums:
(1) type or limits of coverage or
				  deductibles;
(2) for automobile
				  collision coverage, as described in California Insurance Code Section
				  660, the
				  value, the cost of repair, or the auto symbol of the insured vehicles. The term
				  "auto symbol" as used in these regulations means any symbol based on vehicle
				  price, repair cost, or damageability which is used to calculate any rate or
				  premium for private passenger automobile insurance;
(3) for automobile physical damage coverage,
				  as described in California Insurance Code Section
				  660, or
				  comprehensive coverage, as described in California Insurance Code Section
				  11580.07,
				  the make, model, value, cost of repair, or the auto symbol of the insured
				  vehicles.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 2 - Definitions › Section 2632.3 - Class Plan

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
The term "class plan" means the following:
(a) the schedule of rating factors and
				  discounts, and their order and manner of analysis as required by Section
				  2632.7, in the development of
				  rates and premiums charged for a policy of automobile insurance.
(b) in accordance with Section
				  2632.2, the analysis or
				  consideration of types or limits of coverage or deductibles, make, model,
				  value, cost of repair, and auto symbols of the insured vehicles.
1.
					 Certificate of Compliance as to 3-17-94 order including repealer and new
					 section transmitted to OAL 7-12-94 and filed 8-23-94; operative 9-22-94
					 (Register 94, No. 34). For prior history, see Register 94, No.
					 11.
Note: Authority cited: Sections
						1861.02,
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.02 and
						1861.05,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.4 - Use of Rating Factors

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) No
				  insurer shall use a rating factor which is not set forth in these regulations
				  and no insurer shall adopt any rating factor based in whole or in part upon the
				  race, language, color, religion, national origin, ancestry, age, political
				  affiliation, or sexual orientation of any person.
(b) No insurer shall use a rating factor,
				  discount, types of limits of coverages or deductibles, make, model, value, cost
				  of repair, or auto symbol of the insured vehicle in the development of rates in
				  a manner that does not bear a substantial relationship to loss.
1.
					 Certificate of Compliance as to 3-17-94 order including repealer and new
					 article 3 and section transmitted to OAL 7-12-94 and filed 8-23-94; operative
					 9-22-94 (Register 94, No. 34). For prior history, see Register 94, No.
					 11.
2. Amendment of subsection (a) filed 7-5-96; operative 8-4-96
					 (Register 96, No. 27).
Note: Authority cited: Sections
						1861.02,
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.02(a)
						and
						1861.05,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.6 - Discounts

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) Insurers may
				  offer discounts to premiums for any of the following:
(1) completion of driver training or
				  defensive driving courses;
(2) any
				  other discount provided by law.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.7 - Analysis of Rating Factors

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) The determination of the initial
				  relativities to associate with a rating factor shall be established by
				  performing a sequential analysis. The sequential analysis shall remove the
				  variation in loss costs already explained by prior factors.
(b) The sequential analysis shall analyze the
				  rating factors one at a time, in the following order:
1. The first mandatory factor;
2. The second mandatory factor;
3. The third mandatory factor;
4. Any and all optional factors used by the
				  insurer in accordance with subsection
				  2632.5(d). The
				  order of analysis of the optional factors shall be determined by the insurer,
				  with the exception that frequency band and severity band shall be analyzed
				  last.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.8 - Factor Weights

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) For
				  each type of coverage, factor weights shall be calculated for each of the three
				  mandatory factors listed in Section
				  2632.5(c)(1) through
				  (3) and for each of the optional factors the
				  insurer elects to utilize in its class plan from Section
				  2632.5(d). Solely
				  for the purpose of calculating factor weights, bodily injury coverage may be
				  combined with property damage coverage and comprehensive coverage may be
				  combined with collision coverage.
(b) The data used to compute the weight shall
				  be based on one of the following:
(1) all of
				  the subject company's currently insured vehicles;
(2) the same data set used to perform the
				  sequential analysis in Section
				  2632.7; or
(3) the set of insured vehicles that may be
				  published by the Department of Insurance.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.9 - Use of Data

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) An
				  insurer that does not currently have credible data to support any of the
				  categories for any of the rating factors listed in section
				  2632.5(c) and (d)
				  may use the following for each such factor in their class plans filed within
				  three years of the effective date of these regulations. An insurer may elect to
				  use more than one of the listed data sources, provided each data source is
				  identified as being primary, secondary, or third etc. The primary data source
				  must be used for all rating factors included in that data source. The secondary
				  data source can be used only if the primary data source does not have
				  information on a specific rating factor or as needed to supplement credibility.
				  The secondary data source must be used for all rating factors included in that
				  data source before using a third data source. Similarly, the third data source
				  can only be used if the secondary data source does not have information on a
				  specific rating factor or as needed to supplement credibility, etc.:
(1) their own data, interpolating or
				  otherwise actuarially adjusting the data to fit the categories; or
(2) data from another company; or
(3) data from an advisory organization;
				  or
(4) the indicated relativity
				  from another insurer with a similar book of business; or
(5) data that may be published by the
				  Department; or
(6) approved
				  relativities from another insurer's approved class plan.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.10 - Approval of Class Plan

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a)
				  Except as provided in subpart (b) of this section, no insurer may hereafter use
				  a class plan, or charge or collect a premium which does not comply with the
				  provisions of this subchapter or with the provisions of the California
				  Insurance Code. No insurer may offer, sell or renew a policy of automobile
				  insurance, or collect a premium for a policy of automobile insurance which is
				  not calculated in accordance with a class plan that complies with this
				  subchapter.
(b) Prior to the
				  approval of a class plan which has been submitted to the Commissioner in good
				  faith and which complies with the provisions of this chapter and the Insurance
				  Code, an insurer may continue to use rates and premiums that are calculated
				  pursuant to a class plan that has been approved by the Commissioner.
1.
					 Certificate of Compliance as to 3-17-94 order including repealer and new
					 section transmitted to OAL 7-12-94 and filed 8-23-94; operative 9-22-94
					 (Register 94, No. 34). For prior history, see Register 94, No.
					 11.
Note: Authority cited: Sections
						1861.02,
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.02 and
						1861.05,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 3 - Rating Factors › Section 2632.11 - Submission of Class Plans, Symbols, and Implementation Data

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) Every insurer offering or selling a
				  policy of private passenger automobile insurance shall submit a class plan
				  which complies with this subchapter to the Commissioner for review. The
				  following shall apply to all class plans submitted in accordance with this
				  subchapter:
(1) A class plan shall be
				  considered to have been received by the Commissioner on the date that it is
				  received by the Department's Rate Filing Bureau.
(2) Within 15 working days of receipt, the
				  Commissioner shall review filings submitted pursuant to this subchapter for
				  completeness. If the Commissioner determines that the class plan is not
				  complete, notice stating the grounds for incompleteness will be given to the
				  insurer within the 15 working day period and the filing of the class plan will
				  be rejected.
(3) Rejection of the
				  filing of a class plan for incompleteness shall not relieve any insurer of the
				  duty to file a complete class plan.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.12 - Good Driver Discount

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a)
				  Every insurer offering a policy of automobile insurance shall set its rates so
				  that a good driver, as defined in Section
				  1861.025 of
				  the California Insurance Code, shall be charged a rate that is at least 20
				  percent less than the lowest rate available to a comparable driver who is not a
				  good driver. The good driver discount must be applied after the total premium
				  is developed under the class plan, including any policy fees that apply to the
				  issuance of the policy.
(b) If a
				  good driver as determined pursuant to California Insurance Code Section
				  1861.025 is
				  not eligible to purchase a good driver discount policy because of the driving
				  safety record or years of driving experience of any other person, then the good
				  driver shall be eligible to purchase a good driver discount policy which
				  excludes such other persons from coverage.
1.
					 Certificate of Compliance as to 3-17-94 order including new article 4 and
					 repealer and new section transmitted to OAL 7-12-94 and filed 8-23-94;
					 operative 9-22-94 (Register 94, No. 34). For prior history, see Register 94,
					 No. 11.
2. Editorial correction of subsection lettering (Register
					 97, No. 19).
Note: Authority cited: Sections
						1861.02,
						1861.025,
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.02 and
						1861.05,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.13 - Determination of "Principally at-Fault" Accidents

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a)
				  This section sets forth the procedures an insurer shall follow to determine
				  whether an insured driver or a driver listed on an insurance application
				  (hereinafter referred to as "driver") may be considered to be principally
				  at-fault for an accident for the purpose of:
(1) Determining the driver's driving safety
				  record (First Mandatory Factor) pursuant to section
				  2632.5, and
(2) Determining the driver's eligibility for
				  the Good Driver Discount policy pursuant to Insurance Code Section
				  1861.025
				  and Section
				  2632.13.1.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.13.1 - Eligibility to Purchase Good Driver Discount Policy

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) In determining eligibility to purchase a
				  Good Driver Discount policy, the requirement that the driver have been licensed
				  to drive a motor vehicle for the previous three years shall mean that the
				  driver has been licensed to drive in any jurisdiction.
(b) This subsection clarifies the application
				  of Insurance Code Subsections
				  1861.025(b)(1),
				  (3) and (d), criteria for eligibility for a Good Driver Discount policy. All
				  other eligibility criteria for Good Driver Discount policies that are provided
				  in Insurance Code Section
				  1861.025 shall also be followed.
(1) Subject to the prohibitions of Insurance
				  Code Sections
				  488 and
				  488.5, the
				  insurer may assign one violation point for each violation point that the
				  California Department of Motor Vehicles has assessed under California Vehicle
				  Code Subsections
				  12810(a), (b), (c), (d), (f), (i)(1), and
				  (j) for traffic violation convictions with
				  conviction dates not more than three years preceding the effective or renewal
				  date of the policy, and which have not been made confidential under the
				  California Vehicle Code;
(2) For
				  violations not occurring in California, the insurer may assign one violation
				  point for each violation point which would have been assessed under subsection
				  (b)(1) above had the violation occurred in California. Violation points shall
				  not be counted pursuant to this Subsection if violation points were counted for
				  the violation pursuant to Subsection (b)(1) above;
(3) For accidents, the insurer shall do the
				  following to determine eligibility for the Good Driver Discount policy:
(A) Assign one violation point for each
				  accident that a driver has been involved in during the previous three years for
				  which the driver was principally at-fault that resulted only in damage to
				  property pursuant to section
				  2632.13(b),
				  or
(B) Determine that the driver is
				  ineligible to purchase a Good Driver Discount policy if, during the previous
				  three years, the driver has been involved in an accident for which the driver
				  was principally at-fault that resulted in a death or bodily
				  injury.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.14 - Policies Offered to Good Drivers and Nondiscrimination

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) Except as provided by Insurance Code
				  section
				  1861.15(d)
				  every insurer required to offer a good driver discount policy of automobile
				  insurance pursuant to section
				  1861.02(b)
				  of the California Insurance Code shall offer to sell each of the following to a
				  good driver:
(1) a good driver discount
				  policy that contains only the minimum limits of liability coverage specified in
				  Section
				  16056 of the
				  California Vehicle Code;
(2) a good
				  driver discount policy that contains comprehensive coverage or automobile
				  collision coverage, or both of such coverages, in addition to automobile
				  liability coverage;
(3) a good
				  driver discount policy that contains any of the limits of coverage, the types
				  of coverage, and amounts of deductibles that the insurer offers to sell to the
				  public.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.16 - Severability

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
If the provisions of this Subchapter, or the application of
					 any provisions of this Subchapter to any person or to any circumstances is held
					 invalid, that invalidity shall not affect other provisions or applications of
					 these regulations which can be given effect without the invalid provisions or
					 application, and to this end the provisions of these regulations are
					 severable
1.
					 Certificate of Compliance as to 3-17-94 order including repealer and new
					 section transmitted to OAL 7-12-94 and filed 8-23-94; operative 9-22-94
					 (Register 94, No. 34). For prior history, see Register 94, No.
					 11.
Note: Authority cited: Sections
						12921 and
						12926,
						Insurance Code. Reference: Sections
						1861.02,
						1861.025,
						1861.15 and
						11628,
						Insurance Code.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.19 - Substantial Increase in Hazard Insured Against

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) For the purpose of cancellation or
				  nonrenewal pursuant to Insurance Code Section
				  1861.03(c),
				  none of the following events or characteristics constitutes a substantial
				  increase in the hazard insured against:
(1)
				  the physical or mental health of the either the insured or any principal or
				  occasional driver of the insured vehicle, unless the Department of Motor
				  Vehicles has suspended, revoked, or refused to issue a license pursuant to
				  suspension of a license, the suspension is not removed prior to the time that
				  the nonrenewal or cancellation of the policy becomes effective;
(2) a physical disability of the insured or
				  any principal or occasional driver of the insured vehicle, unless the insured,
				  principal or occasional driver has failed to comply with a requirement of the
				  California Department of Motor Vehicles, or the appropriate agency in the state
				  that has issued the driver's license for the insured, regarding vehicle
				  equipment or modification of the vehicle;
(3) the occupation or change in the
				  occupation of the insured or any principal or occasional driver of the insured
				  vehicle;
(4) the age of the insured
				  or any principal or occasional driver of the insured vehicle;
(5) the age of the insured vehicle;
(6) the cosmetic appearance of the insured
				  vehicle. "Cosmetic appearance" means damage that does not affect the safe
				  operation of the insured vehicle;
(7) the termination or other change in the
				  relationship between the insurer and the insurer's agent that issued, renewed,
				  serviced or was otherwise responsible in any manner for the insured's
				  policy.
(8) addition, deletion,
				  substitution or replacement of vehicle. Notwithstanding the foregoing, an
				  insurer may cancel or nonrenew a policy under the following circumstances:
(A) for an insurer that does not insure
				  motorcycles or motor-driven cycles, if a motorcycle or motor-driven cycle would
				  be added to the policy, whether by substitution, replacement, or otherwise;
				  or,
(B) for an insurer that does
				  not insure four-wheeled private passenger automobiles, if a four-wheeled
				  private passenger automobile would be added to the policy, whether by
				  substitution, replacement or otherwise;
(9) except as provided for in subpart (b),
				  change in the use of the vehicle.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.8 - Review of Rates › Article 1 - Scope › Section 2641.1 - Implementation of Proposition 103

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
This subchapter is adopted to implement the provisions of
					 Proposition 103 governing approval of insurance rates.
1. Repealer
					 of former subchapters 4.8. and 4.9. filed pursuant to Government Code section
					 11346.1(g)
					 (Register 92, No. 3). For prior history, see Register 91, No. 8 and 13,
					 respectively.
2. New section filed 8-13-91 as an emergency;
					 operative 8-13-91 (Register 92, No. 3). A Certificate of Compliance must be
					 transmitted to OAL 12-11-91 or emergency language will be repealed by operation
					 of law on the following day.
3. Repealed by operation of Government
					 Code section
					 11346.1(g)
					 (Register 92, No. 15).
4. New section refiled 2-14-92 as an
					 emergency; operative 2-14-92 (Register 92, No. 15). A Certificate of Compliance
					 must be transmittted to OAL 6-15-92 or emergency language will be repealed by
					 operation of law on the following day.
5. Repealed by operation of
					 Government Code section
					 11346.1(g)
					 and new section filed 3-15-95; operative 3-15-95. Submitted to OAL for printing
					 only pursuant to Government Code section
					 11343(a)(1)
					 (Register 95, No. 11).
Note: Authority cited: Sections
						1861.01 and
						1861.05,
						Insurance Code; 20th Century v. Garamendi, 8 Cal.4th 216 (1994). Reference:
						Sections
						1861.01 and
						1861.05,
						Insurance Code; Calfarm Insurance Company v. Deukmejian (1989) 48 Cal.3d
						805.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.8 - Review of Rates › Article 1 - Scope › Section 2641.2 - Applicability

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
This subchapter applies to all rates charged for insurance
					 on risks or on operations in this state except insurance exempted by Insurance
					 Code section
					 1851,
					 insurance for which rates are set by the federal government, and, to the extent
					 provided herein, surety, credit, and financial guaranty
					 insurance.
1. New
					 section filed 8-13-91 as an emergency; operative 8-13-91 (Register 92, No. 3).
					 A Certificate of Compliance must be transmitted to OAL 12-11-91 or emergency
					 language will be repealed by operation of law on the following
					 day.
2. Repealed by operation of Government Code section
					 11346.1(g)
					 (Register 92, No. 15).
3. New section refiled 2-14-92 as an
					 emergency; operative 2-14-92 (Register 92, No. 15). A Certificate of Compliance
					 must be transmittted to OAL 6-15-92 or emergency language will be repealed by
					 operation of law on the following day.
4. Repealed by operation of
					 Government Code section
					 11346.1(g)
					 and new section filed 3-15-95; operative 3-15-95. Submitted to OAL for printing
					 only pursuant to Government Code section
					 11343(a)(1)
					 (Register 95, No. 11).
Note: Authority cited: Sections
						1861.01 and
						1861.05,
						Insurance Code; 20th Century v. Garamendi, 8 Cal.4th 216 (1994). Reference:
						Sections
						1851,
						1861.01,
						1861.05,
						1861.13,
						1861.135,
						1861.137
						and
						12120,
						Insurance Code; Calfarm Insurance Company v. Deukmejian (1989) 48 Cal.3d
						805.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.8 - Review of Rates › Article 1 - Scope › Section 2641.3 - Purpose

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
The purpose of this subchapter is to establish the process
					 and policies the Commissioner shall employ to determine whether proposed rates
					 are excessive or inadequate.
1. New
					 section filed 8-13-91 as an emergency; operative 8-13-91 (Register 92, No. 3).
					 A Certificate of Compliance must be transmitted to OAL 12-11-91 or emergency
					 language will be repealed by operation of law on the following
					 day.
2. Repealed by operation of Government Code section
					 11346.1(g)
					 (Register 92, No. 15).
3. New section refiled 2-14-92 as an
					 emergency; operative 2-14-92 (Register 92, No. 15). A Certificate of Compliance
					 must be transmittted to OAL 6-15-92 or emergency language will be repealed by
					 operation of law on the following day.
4. Repealed by operation of
					 Government Code section
					 11346.1(g)
					 and new section filed 3-15-95; operative 3-15-95. Submitted to OAL for printing
					 only pursuant to Government Code section
					 11343(a)(1)
					 (Register 95, No. 11).
Note: Authority cited: Sections
						1861.01 and
						1861.05,
						Insurance Code; 20th Century v. Garamendi, 8 Cal.4th 216 (1994). Reference:
						Sections
						1861.01 and
						1861.05,
						Insurance Code; Calfarm Insurance Company v. Deukmejian (1989) 48 Cal.3d
						805.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.8 - Review of Rates › Article 2 - Definitions › Section 2642.1 - Excessive

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
"Excessive" rates are rates that are expected to yield the
					 reasonably efficient insurer a profit that exceeds a fair return on the
					 investment used to provide the insurance. In determining whether a rate is
					 excessive, the Commissioner shall consider the competing interests of consumers
					 in lower prices and of investors in prices that yield high returns, and the
					 Commissioner shall consider the fact that insurance is imbued with the public
					 interest and is sometimes legally required.
1. New
					 section filed 8-13-91 as an emergency; operative 8-13-91 (Register 92, No. 3).
					 A Certificate of Compliance must be transmitted to OAL 12-11-91 or emergency
					 language will be repealed by operation of law on the following
					 day.
2. Repealed by operation of Government Code section
					 11346.1(g)
					 (Register 92, No. 15).
3. New section refiled 2-14-92 as an
					 emergency; operative 2-14-92 (Register 92, No. 15). A Certificate of Compliance
					 must be transmittted to OAL 6-15-92 or emergency language will be repealed by
					 operation of law on the following day.
4. Repealed by operation of
					 Government Code section
					 11346.1(g)
					 and new section filed 3-15-95; operative 3-15-95. Submitted to OAL for printing
					 only pursuant to Government Code section
					 11343(a)(1)
					 (Register 95, No. 11).
Note: Authority cited: Sections
						1861.01 and
						1861.05,
						Insurance Code; 20th Century v. Garamendi, 8 Cal.4th 216 (1994). Reference:
						Sections
						1861.01 and
						1861.05,
						Insurance Code; Calfarm Insurance Company v. Deukmejian (1989) 48 Cal.3d
						805.
California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.8 - Review of Rates › Article 2 - Definitions › Section 2642.2 - Fair Return

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
A fair return is the profit an investor can reasonably
					 expect to earn from an investment in a business other than insurance subject to
					 regulation under this subchapter presenting investment risks comparable to the
					 risks presented by insurance subject to this subchapter.
1. New
					 section filed 8-13-91 as an emergency; operative 8-13-91 (Register 92, No. 3).
					 A Certificate of Compliance must be transmitted to OAL 12-11-91 or emergency
					 language will be repealed by operation of law on the following
					 day.
2. Repealed by operation of Government Code section
					 11346.1(g)
					 (Register 92, No. 15).
3. New section refiled 2-14-92 as an
					 emergency; operative 2-14-92 (Register 92, No. 15). A Certificate of Compliance
					 must be transmittted to OAL 6-15-92 or emergency language will be repealed by
					 operation of law on the following day.
4. Repealed by operation of
					 Government Code section
					 11346.1(g)
					 and new section filed 3-15-95; operative 3-15-95. Submitted to OAL for printing
					 only pursuant to Government Code section
					 11343(a)(1)
					 (Register 95, No. 11).
Note: Authority cited: Sections
						1861.01 and
						1861.05,
						Insurance Code; 20th Century v. Garamendi, 8 Cal.4th 216 (1994). Reference:
						Sections
						1861.01 and
						1861.05,
						Insurance Code; Calfarm Insurance Company v. Deukmejian (1989) 48 Cal.3d
						805.