The attorney of every admitted reciprocal or interinsurance exchange shall verify and cause to be filed with the commissioner copies of the following forms used by the exchange:

1. (a) The form of every amendment to, revision of, or substitution for the power of attorney in use at the time of admission.
2. (b) The form of each application for insurance and the form of each contract for exchange of indemnity which would have to be filed with or approved by the commissioner if such insurer were a capital stock insurer, including where applicable the rates to be used therewith.
3. (c) Every amendment, revision or replacement of forms described in subdivision (b).

4. (d) Such other specific forms of applications for insurance or specific contracts for exchange of indemnity as the commissioner may from time to time by written order require be filed.

   1. (1) It be contrary to law, or

   2. (2) He finds it contains any material which is unintelligible, uncertain, unfair, ambiguous, or obtuse, or likely to mislead a person to whom the form is offered, delivered, or issued.

      The procedure for such disapproval shall be that specified in Section 12957 for withdrawal of approval of previously approved forms of other insurers.

      It shall be unlawful for such insurer to use any such form after such disapproval has become final.

   The commissioner may disapprove of any form filed in accordance with this section if: