DOI Restricts Right of Insurers to Underwrite Risks

Although an insurance company is entitled to determine for itself what risks it will accept, and therefore to know all the facts relative to the applicant's physical condition. It has the unquestioned right to select those whom it will insure and to rely upon him who would be insured for such information as it desires as a basis for its determination to the end that a wise discrimination may be exercised in selecting its risks the California Department of Insurance attempts to micro-manage the business and restrict the unquestioned rights of insurers. 

 

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