Insurance Code
California · INS · §§ 1 to 48 · 54 sections
Overview
This act establishes the general framework governing the business of insurance within a state, defining what constitutes insurance, who qualifies as an insurer, and what activities amount to transacting insurance business. It divides coverage into recognized classes — life, accident and health, property, marine and transportation, vehicle, general casualty, and surety, among others — and sets out the foundational rules of the insurance contract, including who has capacity to contract, the requirement of an insurable interest, and the consent and application procedures for personal insurance. It also imposes plain-language standards on policy forms, requiring insurers to meet measurable readability thresholds and certify compliance, alongside disclosure obligations and recordkeeping and reporting duties.
Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.
In the courts
Sections of this act have been cited in 108 court decisions.
Most-cited authority: 11 Cal. 4th 1 - Waller v. Truck Insurance Exchange, Inc.
Sections covered
- Cal. Ins. Code § 1GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 2GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 3GENERAL PROVISIONS
- Cal. Ins. Code § 4GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 5GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 6GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 7GENERAL PROVISIONS
- Cal. Ins. Code § 8GENERAL PROVISIONS3 cites
- Cal. Ins. Code § 9GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 10GENERAL PROVISIONS
- Cal. Ins. Code § 11GENERAL PROVISIONS
- Cal. Ins. Code § 12GENERAL PROVISIONS
- Cal. Ins. Code § 12.2GENERAL PROVISIONS
- Cal. Ins. Code § 13GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 14GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 15GENERAL PROVISIONS
- Cal. Ins. Code § 16GENERAL PROVISIONS9 cites
- Cal. Ins. Code § 17GENERAL PROVISIONS
- Cal. Ins. Code § 18GENERAL PROVISIONS
- Cal. Ins. Code § 19GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 20GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 20.5GENERAL PROVISIONS
- Cal. Ins. Code § 21GENERAL PROVISIONS
- Cal. Ins. Code § 21.5GENERAL PROVISIONS
- Cal. Ins. Code § 22GENERAL PROVISIONS58 cites
- Cal. Ins. Code § 23GENERAL PROVISIONS8 cites
- Cal. Ins. Code § 24GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 25GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 26GENERAL PROVISIONS
- Cal. Ins. Code § 27GENERAL PROVISIONS
- Cal. Ins. Code § 28GENERAL PROVISIONS
- Cal. Ins. Code § 29GENERAL PROVISIONS
- Cal. Ins. Code § 30GENERAL PROVISIONS
- Cal. Ins. Code § 31GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 32GENERAL PROVISIONS
- Cal. Ins. Code § 32.5GENERAL PROVISIONS
- Cal. Ins. Code § 33GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 33.5GENERAL PROVISIONS
- Cal. Ins. Code § 34GENERAL PROVISIONS
- Cal. Ins. Code § 35GENERAL PROVISIONS4 cites
- Cal. Ins. Code § 36GENERAL PROVISIONS
- Cal. Ins. Code § 37GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 38GENERAL PROVISIONS1 cite
- Cal. Ins. Code § 38.6GENERAL PROVISIONS
- Cal. Ins. Code § 38.8GENERAL PROVISIONS
- Cal. Ins. Code § 39GENERAL PROVISIONS
- Cal. Ins. Code § 40GENERAL PROVISIONS
- Cal. Ins. Code § 41GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 42GENERAL PROVISIONS
- Cal. Ins. Code § 44GENERAL PROVISIONS
- Cal. Ins. Code § 45GENERAL PROVISIONS
- Cal. Ins. Code § 46GENERAL PROVISIONS2 cites
- Cal. Ins. Code § 47GENERAL PROVISIONS
- Cal. Ins. Code § 48GENERAL PROVISIONS
Enacted in other states
Hawaii, Illinois, Louisiana, Maine, New Mexico, Oklahoma, South Dakota
All California named statutes →
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