State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 333, an applicant is generally NOT required to disclose to the insurer:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 333 relieves each party of the duty to communicate information the other party already knows or, in the exercise of ordinary care, ought to know, as well as matters the other party waives and certain risks excluded or excepted from the policy. The insurer is presumed to know common facts within its own knowledge, so the applicant need not restate them. Material facts about the applicant's own medical history, however, must still be disclosed.
Why the other options are wrong
- B) Medical history is material and is generally not within the insurer's knowledge, so it must be disclosed.
- C) A fact that would influence the insurer's decision is material and must be disclosed; Section 333 only excuses what the insurer already knows or should know.
- D) The statute does not require disclosure of all facts regardless of the insurer's knowledge; it excuses information the insurer already knows or should know.
Memory hook
Section 333: don't teach the insurer what it already knows. Everything else material, you must tell.