Insurance
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.
Focus Areas:
Insure Our Future Campaign Calls on Insurance Companies to Cut Ties with Fossil Fuels in the Wake of Climate-Related Rate Hikes and Policy Cancellations
Los Angeles, CA -- As the 2019 wildfire season begins, many homeowners in at-risk areas have once again seen their insurance rates go up, or their insurance policies dropped altogether
Consumer Watchdog Writes Attorney General & District Attorneys To Investigate IC Ricardo Lara Over Bribery and Money Laundering
Los Angeles, CA – The nonprofit group Consumer Watchdog has written California Attorney General Xavier Becerra and the District Attorneys of Sacramento, San Francisco, and Los Angeles calling for an investigation of money laundering and bribery relating to the fundraising scandal engulfing California Insurance Commissioner Ricardo Lara.
Release of Lara's Calendar and Public Records Suggest Lara Made First Contact In “Pay to Play” Insurance Scandal
UPDATE: 9/20 Consumer Watchdog sent this letter to the California Attorney General and District Attorneys for Sacramento, San Francisco and Los Angeles along with the information below.
Consumer Watchdog Asks Attorney General And DAs To Investigate CA Insurance Commissioner Over Apparently Illegal Payments For Second Home In Sacramento
Los Angeles, CA – Following a Politico report that California Insurance Commissioner Ricardo Lara billed the state for his Sacramento apartment, Consumer Watchdog has called on Attorney General Xavier Becerra and the District Attorneys for Sacramento, Los Angeles and San Francisco counties to launch an investigation over the potential theft of public funds.
Ricardo Lara’s Troubles Aside, Reverting To An Appointed Insurance Commissioner Would Hurt Consumers
Where the troubling trail of accusations dogging Insurance Commissioner Ricardo Lara will lead is hard to tell. State records show that insurance industry executives and their relatives gave tens of thousands of dollars to Lara’s campaign committee–even as he intervened on their behalf in cases before his agency.
We’ll know more on Aug. 31. That’s when Lara has promised to make public his communications and calendars of meetings with the executives.
Consumer Watchdog Identifies Three Homeowner Insurance Rules Insurance Commissioner Ricardo Lara Can Issue Immediately
Los Angeles, CA– In a letter sent today, Consumer Watchdog called on Insurance Commissioner Ricardo Lara to use the full authority of his office to preserve Californians’ access to home insurance.
