The parts of a policy: declarations to endorsements
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DICE: Declarations, Insuring agreement, Conditions, Exclusions (+ Definitions, Endorsements).
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Notice and cooperation = conditions; limits and premium = declarations.
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An endorsement changes the policy and generally controls over the printed form.
Microbial matter (mold) provisions and exclusions
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Microbial matter = mold, fungi, bacteria (some forms add viruses); the policy's own definition controls.
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An exclusion applies even if the claim is bodily injury and the insured meant no harm.
California's auto cancellation and nonrenewal rules (§§660-663)
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§660: individuals; private passenger cars, light four-wheel vehicles (1,500 lb or less), motorcycles; not assigned risk or more than 4 autos.
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Cancel: 20 days' notice, 10 for nonpayment (§662). Nonrenew: 30 days (§663).
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Late nonrenewal notice: policy runs 30 days from the mailing date.
Commercial cancellation, conditional renewal, and the hired-driver rule
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Commercial cancel (in force > 60 days): 30 days, 10 for nonpayment or fraud (§677.2).
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Commercial nonrenewal or conditional renewal (> 25% rate increase): 60-120 days (§678.1).
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§670: no cancel for hired drivers' convictions in their own private cars.
Returning unearned premium, and premium finance cancellations
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Return unearned premium: personal lines 25 business days; others 80 business days (§481.5).
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Late return = 10% interest per year.
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Premium finance cancellation: effective at least 5 days after mailing; return premium pro rata (§673).