SHENK, J. The State has appealed from a judgment in favor of Bank of America National Trust and Savings Association in a proceeding for the forfeiture of an automobile pursuant to the State Narcotics Act (Health & Saf. Code, § 11610 et seq.).
Notice of seizure and intended forfeiture proceedings was served on Nick G. Chronis, the registered owner of the designated Ford automobile, on Frank John Chronis, who is Nick’s brother, and on the bank, based on an alleged unlawful transportation and possession of narcotics by Frank John Chronis while he had the use of the vehicle. Neither Nick nor Frank answered the notice. The bank filed an answer alleging that it was the legal owner of the vehicle and the holder of a conditional sales contract dated in August, 1948, on which the balance remaining unpaid was $467.92.
Section 11610 of the Health and Safety Code provides that a vehicle used as charged in the notice shall be forfeited to the state. Section 11620 provides that the claimant of any interest in the vehicle may “prove” that his lien or conditional sale contract was bona fide “and” that his interest was created after a reasonable investigation of the moral responsibility, character, and reputation of the purchaser and without any knowledge that the vehicle was being or was to be used for the unlawful purpose.
Section 11622 requires that in the event of “such proof” the vehicle shall be released to the lien claimant if the value is no greater than the lien, otherwise (§ 11623) it shall be sold and the proceeds distributed (§ 11625) first to satisfy the amount due the lien claimant.
[473]The evidence as to the violation and of Frank’s use of the automobile with Nick’s consent is undisputed. Nor is it questioned that at the time its interest was created the bank was without knowledge that the vehicle was being or was to be used for the unlawful transportation or concealment of narcotics. The only ground of the appeal relates to the correctness of the findings of the trial court in respect to investigation prior to the creation of the bank’s interest.
In its answer the bank did not allege that a reasonable or any investigation was made pursuant to section 11620. At the trial the bank sought and over objection was allowed to introduce evidence to prove that an investigation made at the time of the creation of the lien would have shown that Nick was a person of moral responsibility and of good repute. For this purpose Nick and his mother took the stand. From the mother’s testimony it appeared that Nick and Frank were aged respectively 23 and 17 years; that Nick was of good moral character; that his reputation in the community for truth, honesty and integrity was good; and that the mother would have given such answers in an investigation had one been made at the time the lien was created. Both Nick and the mother testified that they had no knowledge of Frank’s use of or traffic in narcotics.
The trial court found that the bank did not make any investigation of the moral responsibility, character and reputation of the registered owner; that the moral responsibility, character and reputation of Nick Chronis was good at the time of the creation of the bank’s interest; but that such fact was not known to the bank before or at the time its interest was created. As support for the judgment in the bank’s favor the court applied the provision of section 3532 of the Civil Code that the law neither does nor requires an idle act.
The State contends that error occurred in admitting the evidence objected to and that the judgment is not supported by the findings and conclusion.
Prior to 1933 there was no exception favorable to a lien claimant in the provisions for forfeiture of the vehicle when unlawfully used in the transportation or concealment of narcotics. (Stats. 1929, p. 380, § 15 at p. 388.) In 1933 section 15 was amended to except the lien claimant’s interest from the forfeiture when there was proof of the prior reasonable investigation and other factors as required by the present code provisions.
It is conceded that there is no case holding that where no [474]prior investigation' has been made the lien claimant’s interest has been protected on the basis that if an investigation had been made it would have shown moral responsibility, good character and reputation on the part of the purchaser. On the contrary it has been held uniformly that a reasonable investigation prior to the creation of the lien must be proved with the other elements in order to save the lien claimant’s right when the interest of the purchaser or registered owner is forfeited. The statutory provisions require a reasonable investigation prior to the creation of the lien as one of the elements which must be proved before the court is permitted to release the claimant’s interest from the forfeiture.
In People v. One Harley-Davidson Motorcycle, 5 Cal.2d 188 [53 P.2d 970], a judgment for the lien claimant was reversed where there had been no investigation of the purchaser’s moral character and reputation and the only inquiry was to ascertain whether he was employed. That case was relied on in People v. One Ford V8 Tudor Sedan, 12 Cal.App.2d 517 [55 P.2d 908], to reverse a judgment for the lien claimant where no investigation was made.
In People v. One Pontiac 8 Sedan, 22 Cal.App.2d 503 [71 P.2d 302], a judgment adverse to the lien claimant was affirmed where no investigation had been made. The court rejected the claimant’s contention that it was not required to prove the investigation unless the State produced evidence that such an investigation would have developed knowledge of the intended illegal use. On the authority of the Harley-Davidson and other cases it was held that the Legislature placed upon the lien claimant the burden of proof as to the elements conjunctively enumerated in the statute; that in the absence of such proof the trial court properly found against it; that although forfeitures are not favored and statutes are strictly construed against them, the language leaves no room for construction and the court could not rewrite the clear provisions under the guise of construing them. In reliance on that reasoning the court in People v. One LaSalle Four Door Sedan, 23 Cal.App. 2d 237 [72 P.2d 766], rejected a contention that the claimant was not required to prove an investigation in the absence of the State’s production of evidence that by such reasonable investigation facts could have been discovered which would put a prudent person on inquiry as to the possible unlawful use of the automobile; and reversed the judgment for the claimant. (See, also, People v. One 1936 Pontiac 6 Four Door Sedan, 28 Cal.App.2d 410 [82 P.2d 706].) Again in People [475]v. One 1939 Buick 8 Coupe, 43 Cal.App.2d 411 [110 P.2d 1013], where judgment for the lien claimant was reversed, it was held that the burden of proving the fact and the extent of the investigation was upon the lien claimant. It was said that because of the public interest in the character of the purchasers of automobiles the proof was insufficient where the investigation was no more than would have been done if the contract had been for the purchase of a piano or a refrigerator. That case, among, others, was followed in People v. One 1937 Packard, 50 Cal.App.2d 761 [123 P.2d 900], where a judgment for the finance company was reversed because there had been no prior investigation of the purchaser’s moral character and reputation. It was stated that the investigation of a prospective purchaser of an automobile was not alone for the protection of the investment of the seller or the institution financing the sale; that the Legislature had said in effect that the public also has an interest in the character of persons who may acquire automobiles; that the purpose of the law was to keep automobiles out of the possession of those who might use them for unlawful purposes and that this was one of the methods devised to aid in crime prevention.
In construing the statutory provisions a court is not authorized to insert qualifying provisions not included and may not rewrite the statute to conform to an assumed intention which does not appear from its language. The court is limited to the intention expressed. (Seaboard Acceptance Corp. v. Shay, 214 Cal. 361, 365-366 [5 P.2d 882]; People v. One 1941 Buick 8 Pour Door Sedan, 63 Cal.App.2d 661, 667 [147 P.2d 401].)
The bank places reliance on such cases as People v. One 1937 Plymouth 6 4-Door Sedan, 37 Cal.App.2d 65 [98 P.2d 750] (see, also, People v. One 1941 Buick Sport Coupe, 28 Cal. 2d 692 [171 P.2d 719]), where an exception is claimed to have been read into the statute. Accordingly it is argued that the court may likewise declare an exception dispensing with the requirement for prior investigation and absolve the bank from the requirement where it later shows by undisputed evidence that at the time of the creation of the lien the purchaser had a good moral character and reputation.
The exception declared in the 1937 Plymouth case involved a violation of the Narcotics Act by the driver of a stolen vehicle. The State’s forfeiture rights as against the owner were in question. It was held that forfeiture in such a case would be an arbitrary act of government in violation of the [476]constitutional guaranties of due process. It was pointed out that the line of demarcation under the due process clause was whether the owner had consented to the use of his property. To escape the application of the constitutional provision and to justify the forfeiture there must he some connection, either by agency, consent to operate or control the vehicle, or knowledge, negligence or connivance between the owner and the person committing the crime. (People v. One 1941 Buick Sport Coupe, supra, 28 Cal.2d 692, 695, and cases cited.) The argument that such a defense would open the way to collusion and perjury in an attempt to defeat forfeiture was answered by the observation that the problem was one to be resolved by the trial court’s careful scrutiny of the evidence and the witnesses, to the end that there be no arbitrary invasion by the Legislature of constitutionally protected property rights.
There are no constitutional obstacles to the application of a provision for forfeiture of all the rights of an owner who has consented to the use of his automobile even though he had no knowledge of the unlawful use. (Van Oster v. Kansas, 272 U.S. 465 [47 S.Ct. 133, 71 L.Ed. 354]; People v. One 1941 Ford 8 Stake Truck, 26 Cal.2d 503 [159 P.2d 641]; People v. One 1933 Plymouth Sedan, 13 Cal.2d 565 [90 P.2d 799]; People v. One Ford V8 Tudor Sedan, supra, 12 Cal.App.2d 518.) The undisputed evidence here is that Nick the owner consented to Frank’s use of the car. The bank’s connection arises from its contractual relationship with the owner. The Legislature provided prior to 1933 that the bank’s interest would be forfeited with that of the owner, probably on the theory that the contractual relationship made it subject to the regulation. The present statute removed the rigors of its predecessor by providing that the lien claimant may prevent a forfeiture of its interest by compliance with the statutory requirements. (People v. One 1941 Buick Club Coupe, 72 Cal.App.2d 593 [165 P.2d 44]; People v. One 1938 Ford Sedcrn (July 7, 1950), 98 Cal.App.2d 333 [219 P.2d 839].) Since the investigation was not made, its interest is forfeited with that of the owner and the provision of section 3532 of the Civil Code cannot avail to prevent it.
In this application of the present statute its express terms may not be nullified or defeated by a maxim or a fiction. (Lass v. Eliassen, 94 Cal.App. 175 [270 P. 745]; Moore Grocery Co. v. Los Angeles Nut Souse, 90 Cal.App. 792 [266 P. 583].) It is true that in dealing with contractual rights and in some [477]other special instances, the failure to observe a preliminary requirement has been obviated by the application of the maxim that the law does not require an idle act. (See Voorhees v. Morse, 1 Cal.2d 179, 192 [34 P.2d 153]; Carpenter v. Pacific Mutual Life Ins. Co., 10 Cal.2d 307, 339 [74 P.2d 761]; Turton v. Shinn, 32 Cal.App. 751-756 [164 P. 38]; Commercial National Bank of Los Angeles v. Roberts, 49 Cal.App. 764, 765 [194 P. 751].) But here the Legislature has said that the policy of crime prevention is in part served by withholding automobiles from use by narcotics law violators through the means of inquiry into the moral character of the purchaser prior to affording assistance by the lenders of funds. In furtherance of this policy the Legislature has placed on the lender the burden of making prior reasonable inquiry if he wishes to prevent forfeiture of his interest in the event of the subsequent unlawful use of the vehicle. Inquiry prior to entering into the contract is thus related to the legislative purpose and if reasonably pursued would produce the facts as to the moral responsibility, character and reputation of the purchaser. Such investigation may not be said to be an idle act even though the proof at the trial may be entirely in his favor. The Legislature intended that the function of ascertaining the facts be exercised in the first instance by the lender in pursuing his investigation, and that only the question of reasonableness of the pursuit be left to the court. In Van Oster v. Kansas, supra (272 U.S. 465), declaring that certain uses of property may be regarded as so undesirable that the owner surrenders control of it at his peril, it was said; “The law thus builds a secondary defense against a forbidden use and precludes evasions by dispensing with the necessity of judicial inquiry as to collusion between the wrongdoer and the alleged innocent owner. So here the Legislature, to effect a purpose clearly within its power, has adopted a device consonant with recognized principles and therefore within the limits of due process.” That declaration applies to the provision for investigation by the seller or lender prior to the creation of an interest in the automobile delivered to a purchaser or borrower. The Legislature has constitutionally provided against the necessity of judicial inquiry into the possibility of collusion between the lender and the purchaser as to the latter’s fitness to be entrusted with the vehicle, by placing the burden of inquiry upon the lien claimant prior to the creation of his interest. This court in People v. One 1941 Ford 8 Stake Truck, supra (26 Cal.2d at pp. 507-508), rec
The judgment is reversed.
Gibson, C. J., Edmonds, J., Traynor, J., and Spence, J., concurred.