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Thank You For Taking Action!

Thank you for taking action! We'll be in touch soon with news about our battles to protect your rights and your pocket book. You'll also have opportunities to take acton and help us rein in greedy corporations and the elected officials that do their bidding.
 

In the meantime, here are some other ways you can join the fight:

Your email in support of a Consumer Privacy Bill of Rights has been sent!

Your email in support of a Consumer Privacy Bill of Rights has been sent to your representatives! We'll keep you updated on new developments.

We can't appreciate your support enough. Big companies have their money and their lobbyists; we have our votes and each other.

There are two more things you can do right now to help:

First, share our action with your friends.

Star in your own No on 33 Video Story

The insurance industry will spend millions of dollars on deceptive advertising claiming Prop 33 will save everyone money. We can't match their money and flashy television ads, but with your help we will win the way we always do: With personal stories and grassroots power.

Do you have a video camera or a webcam and access to a computer?  Then our response to Prop 33 starts with you!

Patient Safety

Since 1975 the value of everything has gone up, except the value of a child’s life. A cap that doesn’t adjust for inflation was flawed from the day it was signed. 38 years is too late not to do something about it.

I WANT TO HELP

COUNT ME IN

I want to help with a California ballot measure that will be on the November 2014 statewide ballot, that will make health insurers publicly justify their rate increases before they take effect. Please keep me informed and let me know what I can do.

You can also visit JustifyRates.org to keep up with the latest.

Rate Proceedings Chart

Consumer Watchdog has saved Californians billions of dollars by reducing insurance rates for homeowners' and auto insurance. Between 2003 and 2010 alone, savings totaled more than $2 billion (see graph on the right for details).

Below is a chart of our pending and completed challenges to insurance companies' proposed rate changes in California.

Five Dangerous Myths About California's Medical Malpractice Restrictions

Myth #1: Legal Restrictions on Victims Lowered California Doctors' Malpractice Premiums.

Facts: Californians enacted the strongest insurance rate regulation in the nation in 1988 through insurance reform Proposition 103 (Prop 103), a ballot initiative passed by the voters and authored by Consumer Watchdog founder Harvey Rosenfield. This law resulted in a rate freeze, a rate rollback, and stringent regulation that reduced premiums in all lines of insurance -- including medical malpractice.

Mobile Application Privacy Policy

Consumer Watchdog owns and operates this Mobile application.  This Mobile Privacy Policy explains how we treat all user data collected during your use of the Consumer Watchdog mobile application.

Data Collection:
Data and Personal information are collected when a user voluntarily provides information through one of these four areas of the application:

Legal Victories

  • Saving Californians over $1.7 billion on their auto, home and earthquake insurance premiums by challenging excessive rate increases at the California Department of Insurance.
  • Forcing two insurance companies that illegally overcharged consumers to pay back over $23 million in refunds to motorists.
  • Winning reimbursement from Blue Cross after it illegally rescinded a policyholder's coverage after he got sick.

vs. Retail Scams

"I'm mad as hell and I'm not gonna take it anymore." That's how many consumers feel when they deal with the billing mistakes, overcharges, computers and other electronic devices that don't work as advertised and crummy customer service that characterize the modern American marketplace.

Giving up, unfortunately, is what most consumers do when confronted with problems that seem too minor to spend hours trying to fix. But guess what? The unscrupulous businesses that engage in such practices are counting on that.

vs. Cell Hell

Have you been ripped off by a cell phone company? You're not alone. A 2007 study by the Better Business Bureau concluded that cell phone companies were the subject of more complaints than any other business – more than the number of complaints about used car dealers and collection agencies combined.

vs. Health Insurers

Reform of our health care system is one of Consumer Watchdog’s top priorities. Under the present system, operated by private companies driven largely by Wall Street financial values, HMOs and insurance companies have a financial incentive to limit or deny care, reject claims and institute procedures that jeopardize patient safety and undermine quality of care.

vs. Insurers

In 1988, California voters approved Proposition 103, the nation’s toughest insurance regulation law. A core mission of Consumer Watchdog is to ensure the full implementation of Proposition 103, and to defend its reforms against the almost ceaseless attacks that have been mounted against it by the insurance industry in the Legislature as well as in the judicial branch.

Privacy Policy

Consumer Watchdog owns and operates this internet site. This Internet Site Privacy Policy (Privacy Policy) explains how we treat all user data collected during your visit to the CONSUMER WATCHDOG Site and how we protect your personal privacy within the Consumer Watchdog Site. CONSUMER WATCHDOG may change this Privacy Policy from time to time. Any information that you submit after a change has been posted will be subject to the new provisions.

What User Data We Collect and How We Use This Information

California's Proposition 103

Prop 103: Resources

In 1988, Californians revolted against excessive auto, homeowner and business insurance premiums and passed Proposition 103, a ballot measure written by Consumer Watchdog founder Harvey Rosenfield to rein in insurance companies. Prop 103 ordered insurers to roll back rates by 20%, required an ongoing 20% discount for good drivers, imposed stringent regulation of the  industry, and stripped away special laws that allowed insurers to cheat their policyholders.

In The Courts - vs. Retail Scams

"I'm mad as hell and I'm not gonna take it anymore." That's how many consumers feel when they deal with the billing mistakes, overcharges, computers and other electronic devices that don't work as advertised and crummy customer service that characterize the modern American marketplace.

Giving up, unfortunately, is what most consumers do when confronted with problems that seem too minor to spend hours trying to fix. But guess what? The unscrupulous businesses that engage in such practices are counting on that.

In The Courts - vs. Health Insurers

About vs. Health Insurers:

Reform of our health care system is one of Consumer Watchdog’s top priorities. Under the present system, operated by private companies driven largely by Wall Street financial values, HMOs and insurance companies have a financial incentive to limit or deny care, reject claims and institute procedures that jeopardize patient safety and undermine quality of care.

In The Courts - vs. Insurers

In 1988, California voters approved Proposition 103, the nation’s toughest insurance regulation law. A core mission of Consumer Watchdog is to ensure the full implementation of Proposition 103, and to defend its reforms against the almost ceaseless attacks that have been mounted against it by the insurance industry in the Legislature as well as in the judicial branch.