Under the California Insurance Information and Privacy Protection Act, when must an insurer give an applicant a Notice of Information Practices?
a.Only when the applicant specifically requests it in writing, on a form the Department of Insurance has approved for that purpose, and pays the copying fee
b.Only after a claim has been denied in writing
c.Within 60 days following policy delivery in every case, regardless of when the personal information was collected or which source it came from
d.At or before the time personal information is collected from a source other than the applicant in connection with an insurance transaction
Explanation
Section 791.02 requires the Notice of Information Practices to be delivered at or before the time information is collected from a source other than the applicant or insured (for example, an investigative consumer report or MIB). Post-claim or only-on-request delivery does not satisfy the statute.
Law Reference: Cal. Ins. Code §791.02This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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