According to the California insurance code, who cannot be insured?

The correct answer is that public enemies cannot be insured according to the California insurance code. This is based on the legal principle that individuals engaging in criminal activity or designated as public enemies—those who pose a threat to society or the state—are seen as risky to insure. Insurance is intended to provide financial protection against unforeseen events; however, insuring someone who is involved in criminal activities would not align with the purpose of insurance, which is to mitigate risk.

In contrast, children can be insured typically under a parent's or guardian's policy, as they represent a standard risk class. Non-residents can be insured as long as they meet the underwriting criteria set by the insurance providers. Individuals with prior claims can also obtain insurance, although their past claims may affect their rates or terms, as insurers consider the individual's risk profile when underwriting a policy.