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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code Section 1861.05 (rate standards, applications, and hearings)",
  "publisher": "California Legislative Counsel (leginfo.legislature.ca.gov)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=1861.05",
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  "sourceType": "statute",
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  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Amended only by legislation or voter initiative; re-check leginfo for current text.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ca-ins-code-1861-05#c1",
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      "checksum": "95f912361ca2",
      "text": "California Insurance Code section 1861.05(a) provides that no rate shall be approved or remain in effect which is excessive, inadequate, unfairly discriminatory or otherwise in violation of the chapter."
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      "text": "Section 1861.05(b) requires every insurer that desires to change any rate to file a complete rate application with the commissioner, and places on the applicant the burden of proving that the requested rate change is justified and meets the requirements of the article."
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      "text": "Section 1861.05(c) requires the commissioner to notify the public of any application by an insurer for a rate change, and provides that the application is deemed approved sixty days after public notice unless a consumer requests a hearing within 45 days of public notice or the commissioner on his or her own motion determines to hold a hearing."
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      "text": "Section 1861.05(c) also provides that a rate application is deemed approved 180 days after the application is received, unless it has been disapproved after a hearing or extraordinary circumstances exist."
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      "kind": "State",
      "title": "California",
      "url": "https://bestinsuranceresearch.com/states/california"
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  "citation": {
    "text": "California Legislative Counsel (leginfo.legislature.ca.gov). \"California Insurance Code Section 1861.05 (rate standards, applications, and hearings).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=1861.05 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-1861-05, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-1861-05",
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