State targets fraud scams;
<h3>Insurance chief says consumers pick up the tab for crimes.</h3><p class="source">Sacramento Bee</p>
<p>"He gathers information and is painstaking in his deliberative decision-making process. It's a different approach than a lot of elected officials," said consumer activist Harvey Rosenfield, founder of the Foundation for Taxpayer and Consumers Rights and author of the landmark auto insurance measure, Proposition 103. "He's kept his campaign pledge not to undermine the rules and regulations that have been previously put in place," Rosenfield said about moves by former Insurance Commissioner John Garamendi to revamp the way auto insurance rates are set.</p>
