Section 2695.4. Representation of Policy Provisions and Benefits
(a) Every insurer shall disclose to a first party claimant or beneficiary, all benefits, coverage, time limits or other provisions of any insurance policy...
Section 2695.3. File and Record Documentation
(a) Every licensee’s claim files … shall contain all documents, notes and work papers (including copies of all correspondence) which reasonably pertain to each...
Section 2695.2. Definitions
As used in these regulations: (b) “Calendar days” means each and every day including Saturdays, Sundays, Federal and California State Holidays, but if the...
Section 2695.1. Preamble
(a) Section 790.03(h) of the California Insurance Code enumerates sixteen claims settlement practices which, when either knowingly committed on a single occasion, or performed...
Ins. Code § 790.03
Insurance Code §790 The following are hereby defined as unfair methods of competition and unfair and deceptive acts or practices in the business of...
Insurer Decisions – Yes, No, Maybe
When a policyholder screams “Help,” the liability insurer must answer succinctly with a simple “yes,” “no,” or “maybe.” Upon receiving notice of a claim...
Reservation of Rights Changes Traditional Relationships
Introduction When a defendant’s liability insurer denies coverage to its policyholder, its decision usually influences the ensuing relationships among the participants in the plaintiff’s...
Insurer Silence May Concede Full Coverage
Introduction In Miller v. Elite, California adopted a rule that an “insurer’s unconditional defense of an action brought against its insured constitutes a waiver...