State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 333, which of the following need NOT be communicated by an applicant to the insurer unless the insurer asks?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Section 333 relieves a party from communicating matters the other already knows, matters the other ought to know with ordinary care, matters the other waives, matters showing a risk excluded by a warranty (if otherwise not material), and matters relating to an excepted risk (if otherwise not material). An applicant is still bound to disclose material facts only the applicant knows, such as serious health conditions. Section 339 separately provides that neither party must disclose personal judgment, even upon inquiry.
Why the other options are wrong
- A) A serious medical condition is material and within the applicant's knowledge; it must be disclosed despite Section 333.
- B) A hazardous occupation materially increases the risk and must be disclosed when material or asked.
- C) Prior loss history is material to the insurer's risk assessment and must be communicated when relevant.
Memory hook
No need to tell the insurer what it already knows. But what only you know — material facts — must come out.