When California Insurance Code dictates good-faith communications in insurance contracts, the parties to the contract include all of the following EXCEPT the

The claimant is an individual or entity that submits a request for payment or benefits under an insurance policy. Within the framework of insurance contracts, claimants are directly involved as they seek compensation or coverage, making them a fundamental party to the agreement.

The insurer is the company or entity that provides the insurance coverage and is responsible for fulfilling the terms of the policy. As a primary party to the insurance contract, the insurer’s obligations and communications are central to the agreement’s execution.

An agent acts on behalf of the insurer to facilitate the sale and management of insurance policies. Agents are considered parties to the contract as they represent the insurer in transactions and communications with the claimant, thus playing a critical role in the insurance process.