Cal. Insurance Code - INS § 350. Section 350.
A representation may be oral or written.
ARTICLE 2. Representation [350. - 361.]
Cal. Insurance Code - INS 2.
in effectCal. Insurance Code - INS § 351. Section 351.
A representation may be made at the time of, or before, issuance of the policy.
Cal. Insurance Code - INS § 352. Section 352.
The language of a representation is to be interpreted by the same rules as contracts in general.
Cal. Insurance Code - INS § 353. Section 353.
A representation as to the future is a promise, unless it is merely a statement of a belief or an expectation.
Cal. Insurance Code - INS § 354. Section 354.
A representation cannot qualify an express provision in a contract of insurance; but it may qualify an implied warranty.
Cal. Insurance Code - INS § 355. Section 355.
A representation may be altered or withdrawn before the insurance is effected, but not afterwards.
Cal. Insurance Code - INS § 356. Section 356.
The completion of the contract of insurance is the time to which a representation must be presumed to refer.
Cal. Insurance Code - INS § 357. Section 357.
When an insured has no personal knowledge of a fact, he may nevertheless repeat information which he has upon the subject, and which he believes to be true, with the explanation that he does so on the information of others; or he may submit the information, in its whole extent, to the insurer. In neither case is he responsible for its truth, unless it proceeds from an agent of the insured, whose duty it is to give the information.
Cal. Insurance Code - INS § 358. Section 358.
A representation is false when the facts fail to correspond with its assertions or stipulations.
Cal. Insurance Code - INS § 359. Section 359.
If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false.
Cal. Insurance Code - INS § 360. Section 360.
The materiality of a representation is determined by the same rule as the materiality of a concealment.
Cal. Insurance Code - INS § 361. Section 361.
The provisions of this chapter apply as well to a modification of a contract of insurance as to its original formation.
Source: CA Legislative Counsel Bulk DataURL: https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zipFetched: 6/27/2026