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State statute · California

Unfair methods of competition and unfair or deceptive acts defined

Cal. Ins. Code s. 790.03

Publisher
California Legislative Information
Edition
California Insurance Code section 790.03, current text on leginfo.legislature.ca.gov...
Last checked
2026-09-02
Status
California Insurance Code, public domain
Edition and licensing notes

Publisher. California Legislative Information (leginfo.legislature.ca.gov)

Edition. California Insurance Code section 790.03, current text on leginfo.legislature.ca.gov, retrieved 2026-09-02

Status. California Insurance Code, public domain.

Read the official textPractice questions from this source

What this document is

Cal. Ins. Code s. 790.03: Unfair methods of competition and unfair or deceptive acts defined is a state statute published by California Legislative Information (leginfo.legislature.ca.gov). It is one of the California documents that insurance license exam questions are written from, including california life & health, california property & casualty, california personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • Cal. Ins. Code § 790.03(h)(14) (Unfair claims settlement practices, advising a claimant against retaining counsel)
    “(14) Directly advising a claimant not to obtain the services of an attorney.”
  • Cal. Ins. Code § 790.03(c) (Boycott, Coercion, or Intimidation)
    “any act of boycott, coercion, or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance.”
  • Cal. Ins. Code § 790.03(b) (False Advertising)
    “which is untrue, deceptive, or misleading, and which is known, or which by the exercise of reasonable care should be known, to be untrue, deceptive, or misleading.”
  • Cal. Ins. Code § 790.03(h) (Unfair Claims Settlement Practices)
    “Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: (1) Misrepresenting to claimants pertinent facts or insurance policy provisions relating to any coverages at issue.”
  • Cal. Ins. Code § 790.03(a) (Misrepresentation and Twisting)
    “making any misrepresentation to any policyholder insured in any company for the purpose of inducing or tending to induce the policyholder to lapse, forfeit, or surrender his or her insurance.”
  • Cal. Ins. Code § 790.03(f)(1) (Unfair Discrimination)
    “Making or permitting any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contract.”
  • Cal. Ins. Code § 790.03(h) (Unfair claims settlement practices; knowing-or-frequent threshold)
    “Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices:”
  • Cal. Ins. Code § 790.03(h)(9) (Unfair claims settlement practices; duty to disclose coverage after payment upon request)
    “Failing, after payment of a claim, to inform insureds or beneficiaries, upon request by them, of the coverage under which payment has been made.”
  • Cal. Ins. Code § 790.03(h)(5) (Unfair claims settlement practices; good faith prompt settlement)
    “Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear.”
  • Cal. Ins. Code § 790.03(h)(13) (Unfair claims settlement practices; explanation of denial)
    “Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement.”

Practice this material

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Questions about this source

Cal. Ins. Code s. 790.03: Unfair methods of competition and unfair or deceptive acts defined is a state statute published by California Legislative Information (leginfo.legislature.ca.gov). Edition: California Insurance Code section 790.03, current text on leginfo.legislature.ca.gov, retrieved 2026-09-02.

No. This page summarizes the document and links to the official version. Always rely on the text published by California Legislative Information (leginfo.legislature.ca.gov) for the current law.

Practice questions for California Life & Health, California Property & Casualty, California Personal Lines cite this document.

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