For 30 years, Consumer Watchdog has been the nation's leading insurance reform organization. We have saved consumers billions of dollars, developed innovative consumer programs and reversed some of the most anti-consumer insurance policies in the industry.
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. Using the provisions of Prop 103, Consumer Watchdog has challenged rate hikes and lowered insurance rates by billions of dollars. The insurance reform has saved Californians over $100 billion over the last thirty years according to the Consumer Federation of America. California is the only state where auto insurance rates have gone down in real dollars over the last three decades. It's also the only state to ban ZIP-code based auto insurance, which Proposition 103 also did.
Today, Consumer Watchdog's legal team and advocates scrutinize all major rate hike proposals made by auto and home insurers in California and play an integral role in many of the regulatory actions enacted by the California Department of Insurance.
We use our experience to show how regulation can work to save consumers and spur competition, as California has the most robust auto insurance market in America.
Los Angeles, CA -- A national insurance expert and actuary has warned California lawmakers that AB 2167, scheduled for a vote in the Senate Insurance Committee on Tuesday, would raise homeowners’ insurance rates by 40% in the first year it takes effect and make it harder for Californians to find coverage.
(The following was originally published as an op-ed commentary in the Mercury News.)
With Californians in COVID lockdown, industry lobbyists are working to overturn voter-approved consumer protections
August 2, 2020
State lawmakers are preparing a gift for you: a massive increase in the premiums you pay to insure your home and property.
Los Angeles, CA -- A proposed overall 3.8% rate hike on drivers insured under California’s Low Cost Auto Insurance Program has been withdrawn after Consumer Watchdog submitted comments urging the proposal be rejected or deferred.
Sacramento, CA – Members of the California State Senate have taken $2,353,000 in campaign contributions from insurance companies and insurance industry trade associations in the last two election cycles, according to data reported to the California Secretary of State. Of that total, $1.1 million was given to the thirteen Senators who sit on the Insurance Committee that will soon vote on the insurance industry’s top priority in Sacramento this year.
Los Angeles, CA -- Consumer Watchdog has asked the Insurance Commissioner to block proposed hikes in the price of auto insurance sold to low income motorists in a number of California counties.
Los Angeles, CA – Consumer Watchdog warned today that homeowners could pay billions more for their home insurance under a sneak insurance industry legislative attack on California’s effective rate regulation under the cover of the corona virus and police abuse crises.
Sacramento, CA – The Assembly Insurance Committee voted today to allow insurance companies to raise rates on homeowners and renters in violation of voter-approved Proposition 103. The bills would force unjustified insurance rate hikes onhomeowners in the very communities devastated by wildfires that they purport to help, said Consumer Watchdog.
Los Angeles, CA — While the rest of the state is sheltering at home, lobbyists for the insurance industry are busy promoting legislation, scheduled for a hearing tomorrow, that would allow them to boost insurance rates on homeowners and renters.
Los Angeles, CA – Consumer Watchdog today called on Insurance Commissioner Ricardo Lara to suspend all increases in auto insurance rates through September 1, or the termination of shelter-in-place restrictions, whichever comes later.