How Technology Shapes Property Insurance
Technology has increasingly taken over every aspect of property insurance. There’s the algorithm that decides how much insurance we need when we sign up, the...
Reports
The Subcontracting Underworld
We all know who the big insurance companies are, but they are only a part of the insurance claims galaxy. Once you file a wildfire...
Lowball: What Fire Survivors Want You To Know About Insurance Claims
As of June 2025, all 165 standing homes from which testing data has been collected by the resident-led coalition Eaton Fire Residents United showed elevated...
How Citizen Enforcement of Proposition 103 has Saved Californians $5.5 Billion – and Why the Insurance Industry Hates It
When California’s insurance regulator operated behind closed doors, the insurance companies always won. Insurance premiums soared, people were denied insurance for no legitimate reason, and...
Up In Smoke: How Insurance Companies and the Insurance Commissioner Burn Wildfire Victims
A Consumer Watchdog examination of public filings reveals that insurance companies have inserted provisions into the fine print of their home, condo and renters’ insurance...
Rate Regulation: The Rx For Medical Malpractice Insurance Rates
Read the report here.
What Works: A Review of Auto Insurance Rate Regulation in America and How Best Practices Save Billions of Dollars
Over the past quarter century, auto insurance expenditures in America have risen by more than 40 percent. Consumers in some states are paying 80 percent,...
Health Reform and Insurance Regulation: Can’t Have One Without the Other
Health insurance premiums are increasing at a rate faster than medical inflation, especially in the volatile individual and small group markets, and worker incomes have...
False Accounting: How Medical Malpractice Insurance Companies Inflate Losses to Justify Sudden Surges in Rates and Tort Reform
In this study, the Foundation for Taxpayer and Consumer Rights (FTCR)1 reviews the loss projections of medical malpractice insurance companies, beginning with the “insurance crisis”...
How Insurance Reform Lowered Doctors’ Medical Malpractice Rates in California
This report shows how California’s landmark Proposition 103 has lowered Medical Malpractice rates for doctors across the state. It also shows how caps on damages...