California’s Fair Claims Settlement Practices & Regulations

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California Insurance Code Section 790.03 (h)

(a)   In an action for the breach of an obligation not arising from contract, where it is proven by clear and convincing evidence that the defendant has been guilty of oppression, fraud, or malice, the plaintiff, in addition to the actual damages, may recover damages for the sake of example and by way of punishing the defendant.

(h)   Knowingly committing or performing with such frequency as to indicate a general business practice any of the following 16 unfair claims settlement practices.