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.
SANTA MONICA, CA - The U.S. Supreme Court today rejected a challenge brought by Mercury Insurance, State Farm and other insurance companies across the United States to insurance reform Proposition 103. That California law has saved motorists over $100 billion since 1988 by regulating insurance companies to limit price gouging, profiteering, inflated executive salaries and other unjustified expenses. (Mercury Casualty Company v.
SACRAMENTO, CA – Consumer Watchdog urged Assembly member Autumn Burke (D-Los Angeles) to withdraw legislation backed by State Farm Insurance because it “will irreparably harm policyholders who seek to repair their vehicles financially and, potentially, cost many consumers their safety, and even their lives.”
SANTA MONICA, CA – Consumer Watchdog’s challenges filed under Proposition 103 to proposed auto, home and business insurance rate increases saved consumers $227.4 million in 2017, the nonprofit, nonpartisan public interest group said today.
Since 2003, the group’s challenges in rate proceedings before the Department of Insurance have saved consumers a total of $3.4 billion. Savings have averaged a little more than a quarter of a billion dollars – $227 million – per year.
The wildfires devastating Bel Air, Ventura and Southern California's canyons are destroying homes in their path. Unfortunately, many of those homeowners are going to find that when they try to rebuild their homeowners' policies may not cover the real costs.
It's a sad cycle that happens after too many wildfires, include the historic devastation fires wrought recently in Sonoma and Napa Valley.
In response to an investigative report, the California Department of Insurance has ordered Nationwide and USAA to not charge motorists in minority neighborhoods more than policyholders with similar risk profiles who live in predominantly white neighborhoods.