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.
In comments submitted on proposed regulations Consumer Watchdog said rule could ban discrimination based on drivers’ occupation and education level; called for key amendments to ensure discrimination based on race and socioeconomic status ends.
Los Angeles, CA -- A non-profit consumer group filed a lawsuit to compel California Insurance Commissioner Ricardo Lara and the Department of Insurance to hand over records of Lara’s meetings and communications with insurance companies that used campaign contributions in an apparent attempt to influence policy decisions.
Download the lawsuit here: https://www.consumerwatchdog.org/sites/default/files/2020-02/Petition%2…
Consumer Watchdog’s Challenge Using Prop 103’s Consumer Participation Process Leads To An Overall 3.1% Rate Decrease
Los Angeles, CA – Consumer Watchdog said in a letter today that Insurance Commissioner Ricardo Lara should reject a proposed 5% auto insurance rate increase by Mercury Insurance Company that discriminates against lower income, less-educated drivers.
Los Angeles, CA – “A year ago, Consumer Watchdog and organizations representing consumers, low-income workers and communities of color petitioned Insurance Commissioner Ricardo Lara to ban the use of occupation and education to set auto insurance premiums. These unfair surcharges on lower-income and less-educated drivers drive up the cost of insurance for people who can least afford it.
Los Angeles, CA -- An analysis of new data obtained from insurance companies by the California Department of Insurance (“CDI”) confirms complaints by Consumer Watchdog and other citizen groups that insurance companies are surcharging motorists based on their occupation or educational status, in violation of insurance reform Proposition 103.