California Insurance Code & EthicsQuestion 49 of 474
Under the California Insurance Information and Privacy Protection Act (§791 et seq.), an insurer obtaining personal information about a homeowners applicant from a third-party investigative consumer report must:
a.Provide a written notice of information practices to the applicant
b.Obtain consent from the applicant's spouse
c.Pay the applicant a fee for the data collection
d.File a copy of the investigative consumer report with the Department of Insurance within 30 days of receiving it
Explanation
Sections 791.02 and 791.04 require an insurance institution that collects personal information from sources other than the applicant to provide a written notice of its information practices, including the type of information collected, sources, uses, and the applicant's rights of access and correction.
Law Reference: Cal. Ins. Code §791.02, §791.04This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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