State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California Insurance Code Section 250, an insurable event is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 250 of the California Insurance Code defines an insurable event as one whose occurrence or nonoccurrence determines the liability of the insurer. In accident and health insurance, the covered sickness, accident, or disability is the event whose occurrence triggers the insurer's obligation to pay benefits. This definition is central to identifying exactly what is insured under a policy and what must occur for the insurer to owe payment under the contract.
Why the other options are wrong
- B) The insured's wishes do not create an insurable event; the policy itself must define the covered event.
- C) Policy delivery is an administrative step in forming the contract, not an insurable event.
- D) The premium due date relates to the insured's payment obligations, not to the insurer's liability for loss.
Memory hook
Section 250, the event flips the insurer's payment switch.