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 -- Consumer Watchdog said Insurance Commissioner Ricardo Lara’s decision to return over $54,000 in contributions from donors tied to a company seeking the Commissioner’s approval for an acquisition was an “important first step that protects the credibility of the elected position you hold.” The non-profit advocacy organization urged the Commissioner to return the money in a letter yesterday.
Out-of-State Insurance Executive and Spouses Donate As Insurer Seeks Lara’s Approval of its Pending Acquisition
Los Angeles, CA – California Insurance Commissioner Ricardo Lara, who has approved $292 million in auto and homeowners’ insurance rate increases since being elected, has received a “D” average from the nonprofit group Consumer Watchdog on his first four-month report card.
Los Angeles, CA — On Earth Day, California Insurance Commissioner Ricardo Lara chose “collaboration" with the insurance industry over urgent climate action. Commissioner Lara rejected a petition from 60 environmental, consumer and social justice groups that sought emergency rules to make insurers disclose the fossil fuel projects they insure. The Commissioner's refusal to act allows insurers to keep their complicity in global warming secret and puts the brakes on the forward momentum on climate built by the previous Department of Insurance, said Consumer Watchdog.