Who has the authority to change the California Insurance Code?

The California Insurance Code can be changed by the legislature, as this body is responsible for enacting laws, including those related to insurance regulations. The legislature consists of elected representatives who debate, amend, and vote on proposed bills, which can then be signed into law by the governor.

While the Insurance Commissioner plays a significant role in enforcing the Insurance Code and may have regulatory authority, they do not have the power to change the law itself. Instead, the Commissioner can propose changes or recommend amendments, but any actual legislative change must go through the legislative process. Similarly, the governor can influence changes to the Insurance Code by either supporting or vetoing proposed legislation but cannot enact changes independently. Insurance companies, while impacted by the code, do not possess any legal authority to amend it.

Thus, the correct answer highlights the role of the legislature in shaping the laws that govern insurance practices in California.