Prop 103 California Insurance Reform

New York Times Investigation Finds Lara’s Plan Incentivized Insurers’ Dumping Of Policyholders Prior To LA Fires, Doubling FAIR Plan Enrollment

Read the Stories of California Homeowners Dropped by Insurers

Latest Insurance Releases

Consumer Watchdog’s Statement On Initiative Filed To Repeal Prop 103’S Consumer Protections

Carmen Balber - August 12, 2025

Los Angeles, CA - Consumer Watchdog executive director Carmen Balber issued the following statement today: Proposition 103 has been a huge success for California policyholders,...

Broken Promise: Rate Hikes Guaranteed, Coverage Expansion Dubious, After Lara’s Secretive Model Reviews

Carmen Balber - August 1, 2025

Los Angeles, CA — Insurance Commissioner Ricardo Lara is breaking his promise to Californians by guaranteeing rate hikes without guaranteeing more coverage, said Consumer...

Consumer Advocates Sue Insurance Commissioner Lara For Punishing Public Participation In Prop 103 Rulemakings

Will Pletcher - July 30, 2025

Lawsuit Alleges Improper Denial of Compensation, Hostility Toward Consumer Advocacy Groups, and Biased Process Los Angeles, CA — Consumer Watchdog and the Consumer Federation of...

Consumer Watchdog Responds to Commissioner Lara Fake News: Case That Lara Rules Violate the FAIR Plan Statute Is Going Forward

Will Pletcher - July 23, 2025

Los Angeles, CA - Today, a Los Angeles Superior Court judge adopted a ruling allowing Consumer Watchdog’s lawsuit to move forward against Insurance Commissioner Ricardo Lara,...

Court Greenlights Consumer Lawsuit Challenging Insurance Commissioner’s Unlawful Pass-Through Surcharges Under FAIR Plan

Will Pletcher - July 22, 2025

Los Angeles, CA — A Los Angeles Superior Court judge today finalized a ruling that allows Consumer Watchdog’s lawsuit to proceed against Insurance Commissioner Lara...

Lowball: What Fire Survivors Want You To Know About Insurance Claims

Justin Kloczko - July 1, 2025

As thousands of policyholders navigate the home insurance claims process in California following the Eaton and Pacific Palisades fires, many are finding out that the damage wrought on their still standing homes by smoke and heat isn’t being paid for.

State Farm Cites Newly Announced CDI Market Conduct Exam to Oppose Consumer Participation in Rate Hearing

Will Pletcher - June 13, 2025

Los Angeles, CA — At a hearing today before the California Department of Insurance, State Farm opposed Pacific Palisades homeowner Merritt David Farren’s petition...

State Farm Investigation Must Conclude Before Rate Hike Approved Says Consumer Watchdog

Carmen Balber - June 12, 2025

Los Angeles, CA -- Consumer Watchdog issued the following statement on Insurance Commissioner Ricardo Lara’s announcement today of a market conduct examination into State Farm claims...

Commissioner Lara Approves Unjustified $749 Million State Farm Home Insurance Rate Hike

Carmen Balber - May 13, 2025

UPDATED 1:40PM Los Angeles, CA – A proposed decision recommending approval of State Farm General’s request for an interim rate hike was issued by an...

Consumer Watchdog Sues to Stop Hundreds of Millions of Dollars in Unjustified Surcharges from Being Imposed on California Homeowners

Ryan Mellino - April 15, 2025

Los Angeles, CA – Consumer Watchdog sued the California Department of Insurance and Commissioner Ricardo Lara to protect California homeowners from hundreds of millions in...

Consumer Watchdog Urges Denial of State Farm’s Emergency Rate Hike at Conclusion of Department of Insurance Hearing

Carmen Balber - April 10, 2025

Los Angeles, CA – Consumer Watchdog delivers its closing argument today in a high-stakes hearing before the California Department of Insurance, urging the Insurance Commissioner...

Consumer Watchdog: “State Farm’s Emergency Rate Hike is Not Justified”

Carmen Balber - April 8, 2025

Consumer group urges regulators to reject rate hike as unsupported and unfair Los Angeles, CA – In the first day of hearings, Consumer Watchdog made its...

At Hearing, Consumer Watchdog Will Oppose A Deal on State Farm’s “Emergency” Home & Renters’ Insurance Rate Hike

Consumer Watchdog - April 8, 2025

Sacramento, CA – On Tuesday, April 8, at 10:00 AM, Consumer Watchdog will be presenting its case at the California Department of Insurance against State...

State Farm Rate Hike Request Goes To Public Hearing

Carmen Balber - March 14, 2025

As urged by Consumer Watchdog, California's Insurance Commissioner Ricardo Lara has called a hearing on State Farm’s unprecedented request for a $900 million "emergency"...

Watchdog to Lara: State Farm Exec’s Startling Admission About Orchestrating Rate Hike Request Through Cancelled Coverage Should Be Disqualifying For Emergency Request

Jamie Court - March 7, 2025

Los Angeles, CA - Consumer Watchdog wrote a letter to California Insurance Commissioner Ricardo Lara with new information showing why State Farm should not...

Rate Hike Challenge Saves $25 Million for General Ins. Co. Homeowner Policyholders

Ben Powell - March 6, 2025

Los Angeles, CA - Consumer Watchdog reached a settlement this week with General Insurance Company of America and the California Department of Insurance, resolving the...

Consumer Watchdog Opposes State Farm’s Emergency Rate Hike Following Meeting with Insurance Commissioner Lara

Will Pletcher - February 26, 2025

Los Angeles, CA – Following today’s meeting with California Insurance Commissioner Ricardo Lara, State Farm General Insurance (SFG), and the California Department of Insurance...

Consumer Watchdog Agrees With Insurance Commissioner Lara That State Farm Needs To Provide More Information Before Getting Rate Hike, But Should Be Provided in...

Jamie Court - February 14, 2025

Los Angeles, CA – Consumer Watchdog said that Insurance Commissioner Lara is right in asking for more information from State Farm before approving its...

Homeowner Surcharge to Bailout Insurers for FAIR Plan Losses Unfair and Illegal, Says Consumer Watchdog

Carmen Balber - February 11, 2025

Los Angeles, CA – Insurance Commissioner Ricardo Lara announced today he would let home insurance companies charge every homeowner in the state for losses...

Consumer Watchdog Calls on Insurance Commissioner to Reject State Farm’s Unjustified Emergency Rate Hike Request

Carmen Balber - February 7, 2025

Los Angeles, CA – Consumer Watchdog has submitted two letters to Insurance Commissioner Ricardo Lara objecting to State Farm’s request for an emergency interim rate...

123...8 Page 2 of 8

submit a consumer complaint

Insurance Videos

Spectrum News 1: Palisades Fire Rebuild Insurance Concerns