2
Summary of California Law (10th), Insurance
I. INTRODUCTION
<d2.o n="A. Generally.
<d3.o n="1. [§1] In General.
<d3.o n="2. [§2] Commentary
and Practice Works.
<d3.o n="3. [§3] Classes of
Insurance.
<d3.o n="4. [§4] Insurer''s Rights of Subrogation,
Contribution, and Indemnity.
<d2.o n="B. Regulation of Insurance.
<d3.o n="1. [§5] Power To
Regulate.
<d3.o n="2. [§6] Governing
Law.
<d3.o n="3. [§7] Department
of Insurance and Insurance Commissioner.
<d3.o n="4. [§8] Policies
Governed by Insurance Code.
<d3.o n="5. Rate Control.
<d4.o n="(a) [§9] Proposition
103.
<d4.o n="(b) [§10] Ratemaking
Process.
<d3.o n="6. Insolvent Insurers.
<d4.o n="(a) [§11] Conservatorship
and Liquidation.
<d4.o n="(b) Insurance Guarantee Associations.
<d5.o n="(1) [§12] In
General.
<d5.o n="(2) [§13] Liability
for Subrogation Claims.
<d3.o n="7. Automobile Liability Insurance.
<d4.o n="(a) [§14] Financial
Responsibility Law.
<d4.o n="(b) [§15] Assigned
Risk Law.
<d4.o n="(c) [§16] Low-Cost
Insurance.
<d2.o n="C. Insurance Agents and Brokers.
<d3.o n="1. [§17] In
General.
<d3.o n="2. [§18] Licensing
and Regulation.
<d3.o n="3. [§19] Compensation
and Other Rights.
<d3.o n="4. [§20] Duties and
Liabilities.
<d2.o n="D. Liability for Failure To Insure.
<d3.o n="1. [§21] In
General.
<d3.o n="2. [§22] Failure of
Insurer To Act on Application.
<d3.o n="3. [§23] Third
Party Engaging To Procure Insurance.
<d3.o n="4. [§24] Transferor
of Insured Property.
<d2.o n="E. Conflict of Laws.
<d3.o n="1. [§25] In
General.
<d3.o n="2. [§26] Life
Insurance.
<d3.o n="3. [§27] Fire,
Surety, and Casualty Insurance.
II. FORMATION AND EFFECT OF INSURANCE CONTRACT
<d2.o n="A. Formation and Validity.
<d3.o n="1. General Principles.
<d4.o n="(a) [§28] Requisites
and Elements.
<d4.o n="(b) [§29] Written
Contracts: Policies.
<d4.o n="(c) [§30] Oral
Contracts.
<d4.o n="(d) [§31] Parties to
Contract.
<d4.o n="(e) [§32] Statutory
Requirements for Legibility.
<d4.o n="(f) [§33] Foreign
Language Policies.
<d3.o n="2. [§34] Application
by Insured.
<d3.o n="3. Acceptance or Rejection by Insurer.
<d4.o n="(a) [§35] In
General.
<d4.o n="(b) [§36] Insurer''s Right of Refusal.
<d3.o n="4. Interim Contracts: Binders.
<d4.o n="(a) [§37] In
General.
<d4.o n="(b) [§38] Statutory
Regulation.
<d4.o n="(c) [§39] Life
Insurance Applications.
<d4.o n="(d) [§40] Return of
Premium as Precondition to Rejection of Application.
<d4.o n="(e) [§41] Effect of
Ambiguous Terms.
<d4.o n="(f) [§42] Where
Insurer Is Not Designated.
<d4.o n="(g) [§43] Estoppel
To Deny Coverage.
<d3.o n="5. [§44] Execution
of Policy.
<d3.o n="6. Delivery of Policy.
<d4.o n="(a) [§45] In
General.
<d4.o n="(b) [§46] Constructive
Delivery.
<d3.o n="7. [§47] Validity.
<d2.o n="B. Construction.
<d3.o n="1. Generally.
<d4.o n="(a) [§48] Governing
Rules and Principles.
<d4.o n="(b) Constituent Parts of Contract.
<d5.o n="(1) [§49] In
General.
<d5.o n="(2) [§50] Particular
Types of Policies.
<d4.o n="(c) [§51] Policy as
Adhesion Contract.
<d4.o n="(d) [§52] Construction
of Policy in Entirety.
<d4.o n="(e) [§53] Reference
to Drafting History, Interpretive Materials, and Advertising.
<d4.o n="(f) [§54] Effect of
Judicial Enlargement of Liability Covered.
<d3.o n="2. Unambiguous Provisions: Reference to Plain
Meaning.
<d4.o n="(a) [§55] In
General.
<d4.o n="(b) [§56] Lay
Interpretation Governs.
<d4.o n="(c) [§57] Construction
in Context.
<d4.o n="(d) [§58] Effect of
Public Policy.
<d4.o n="(e) [§59] Illustrations.
<d3.o n="3. Ambiguous Provisions: Reasonable Expectations of
Insured.
<d4.o n="(a) [§60] In
General.
<d4.o n="(b) [§61] Relevant
Factors.
<d3.o n="4. Ambiguous Provisions: Construction Against
Insurer.
<d4.o n="(a) [§62] General
Rule Favoring Insured.
<d4.o n="(b) [§63] Limitations
on Rule.
<d4.o n="(c) Exclusionary Clauses: Terms Must Be Conspicuous,
Plain, and Clear.
<d5.o n="(1) [§64] In
General.
<d5.o n="(2) [§65] Illustrations
of Conspicuous, Plain, and Clear Clauses.
<d2.o n="C. Performance and Breach.
<d3.o n="1. Conditions Precedent.
<d4.o n="(a) [§66] In
General.
<d4.o n="(b) [§67] Payment of
Premiums.
<d3.o n="2. [§68] Conditions
Subsequent.
<d3.o n="3. Right to Proceeds.
<d4.o n="(a) [§69] In
General.
<d4.o n="(b) [§70] Third-Party
Beneficiaries.
<d4.o n="(c) [§71] Recovery
by Insurer of Proceeds Paid Under Mistake.
<d4.o n="(d) [§72] Change of
Beneficiaries or Beneficial Rights.
<d3.o n="4. [§73] Breach of
Contract.
<d2.o n="D. [§74] Transfer.
III. INSURABLE INTEREST
<d2.o n="A. [§75] In
General.
<d2.o n="B. [§76] Property
Insurance.
<d2.o n="C. [§77] Automobile
Insurance.
<d2.o n="D. Life and Disability Insurance.
<d3.o n="1. [§78] In
General.
<d3.o n="2. [§79] Insurable
Interest of Employers, Benefit Plan Trustees, and Charities.
<d3.o n="3. [§80] Insurable
Interest of Creditors.
IV. COVERAGE OF POLICIES GENERALLY
<d2.o n="A. Basic Principles.
<d3.o n="1. [§81] In
General.
<d3.o n="2. [§82] Burden of
Proof.
<d3.o n="3. Types of Coverage.
<d4.o n="(a) [§83] First-Party
and Third-Party Coverage.
<d4.o n="(b) Primary and Secondary Coverage.
<d5.o n="(1) [§84] In
General.
<d5.o n="(2) [§85] "Other
Insurance" Clauses.
<d4.o n="(c) [§86] Individual
and Group Coverage.
<d4.o n="(d) [§87] Partnership
Insurance.
<d4.o n="(e) [§88] Reinsurance.
<d3.o n="4. Definition and Scope of Terms.
<d4.o n="(a) [§89] In
General.
<d4.o n="(b) [§90] "Accident."
<d4.o n="(c) [§91] "Advertising Injury."
<d4.o n="(d) [§92] "Bodily Injury."
<d4.o n="(e) [§93] "Damages."
<d4.o n="(f) [§94] "Family," "Household," or "Residence."
<d4.o n="(g) [§95] "Intentional Act."
<d4.o n="(h) [§96] "Legally Obligated To Pay."
<d4.o n="(i) [§97] "Pollution."
<d4.o n="(j) [§98] "Property Damage."
<d4.o n="(k) [§99] "Suit."
<d2.o n="B. Prohibited Indemnifications.
<d3.o n="1. Wilful Acts of Insured.
<d4.o n="(a) [§100] In
General.
<d4.o n="(b) What Constitutes Wilful Act.
<d5.o n="(1) [§101] Conduct
Intended To Harm or Inherently Harmful.
<d5.o n="(2) [§102] Effect of
Insanity.
<d4.o n="(c) Particular Acts.
<d5.o n="(1) [§103] Wrongful
Termination.
<d5.o n="(2) [§104] Malicious
Prosecution.
<d5.o n="(3) [§105] Child
Molestation.
<d5.o n="(4) [§106] Sex Torts
Involving Battery or Fraud.
<d5.o n="(5) [§107] Sexual
Harassment.
<d5.o n="(6) [§108] Other
Examples.
<d4.o n="(d) Distinctions.
<d5.o n="(1) [§109] Negligent
Act.
<d5.o n="(2) [§110] Act Not
Committed by Insured.
<d5.o n="(3) [§111] Liability
Under Surety Bond.
<d5.o n="(4) [§112] Independent
Coverage.
<d3.o n="2. [§113] Punitive
Damages.
<d2.o n="C. First-Party Insurance.
<d3.o n="1. [§114] In
General.
<d3.o n="2. [§115] Trigger
of Coverage.
<d3.o n="3. Causation of Loss.
<d4.o n="(a) [§116] In
General: Efficient Proximate Cause Standard.
<d4.o n="(b) [§117] Distinction:
Separate Characterization of Excluded Cause.
<d3.o n="4. Life Insurance.
<d4.o n="(a) [§118] In
General.
<d4.o n="(b) [§119] Accidental
Death Provisions.
<d4.o n="(c) [§120] Condition
of Insured''s Good
Health.
<d4.o n="(d) [§121] Exclusion
for Suicide.
<d3.o n="5. Health and Disability Insurance.
<d4.o n="(a) [§122] In
General.
<d4.o n="(b) [§123] Total
Disability.
<d4.o n="(c) [§124] Inception
of Covered Condition.
<