What is 10 CCR §2695 (California Fair Claims Regulations)?
10 CCR §2695 is the California Fair Claims Settlement Practices Regulations — the binding rules from the California Department of Insurance that spell out how insurers must handle claims. It sets acknowledgement, investigation, and payment deadlines; requires denials to cite specific policy provisions; and requires written status updates every 30 days when investigations extend past the statutory deadlines.
The sections that come up most
In a California bad faith evidence file, a handful of §2695 subsections do most of the work. Each violation is a discrete, dated data point in the timeline.
- §2695.5(e) — Acknowledge claim within 15 calendar days
- §2695.7(b) — Accept or deny within 40 calendar days of proof of claim
- §2695.7(b)(1) — Written denial must cite the specific policy provision
- §2695.7(c) — Written status update every 30 days if investigation extends
- §2695.7(h) — Pay within 30 calendar days of settlement
- §2695.9 — Standards for prompt, fair, and equitable settlement of first-party property claims
How §2695 connects to §790.03
The §2695 regulations don't create a private right to sue on their own. But each documented §2695 violation is direct evidence of unreasonable conduct under Insurance Code §790.03(h) — which in turn supports the tort claim for breach of the implied covenant of good faith and fair dealing.
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