Insurance

How Insurance Reform Lowered Doctors’ Medical Malpractice Rates In California

February 10, 2003  ·  Consumer Watchdog

<h3>And How Malpractice Caps Failed</h3> <p>This report analyzes and compares the impact of legal restrictions versus insurance regulation on medical malpractice premiums.</p>

Medical Malpractice Insurers Agreed to Refunds

February 9, 2003  ·  Consumer Watchdog

<h3>Stipulations and Consent Orders Concerning Prop 103 Rollbacks</h3> <p>In 1992 California Insurance Commissioner John Garamendi settled rate rollback cases with three of California's largest medical malpractice insurers - Norcal Mutual, SCPIE and The Doctors Co. This document contains the stipulation and consent</p>

Proposition 103 Freezes Insurance Rates

February 9, 2003  ·  Consumer Watchdog

<h3>News Articles</h3> <p>After the enactment of Proposition 103 California Insurance Commisisoner John Garamendi froze insurance rates. This file includes news articles describing the rate freeze.</p>

House bill would put caps on malpractice awards

February 7, 2003  ·  Consumer Watchdog

<h3>California already limits amount for pain and suffering, but not punitive damages.</h3><p class="source">The Orange County Register</p> <p>However, it is expected to face stiff opposition in the Senate, where many Democrats insist that investment losses by insurance companies, not lawsuits, are to blame for the medical-liability problems.</p>

Op-Ed: To Solve the Malpractice Insurance Crisis, Roll Back Rates, Not Rights

February 6, 2003  ·  Harvey Rosenfield

<p class="source">Tom Paine</p> <p>Thirty years of experience in the Golden State shows that stringent regulation of insurance companies, not restrictions on the right to sue negligent doctors and hospitals, is the only way to control the price medical providers pay for liability coverage.</p>

REIMBURSEMENT OF LEGAL COSTS

February 5, 2003  ·  Harvey Rosenfield

<!-- excerpt --><p>As noted in the Public Participation section, consumers have the right to initiate or intervene in insurance matters covered by Proposition 103 before the California Department of Insurance and the courts.</p>

THE 20% GOOD DRIVER DISCOUNT

February 4, 2003  ·  Harvey Rosenfield

<!-- excerpt --><p>This law, which was created by Proposition 103, requires insurers to give a 20% discount from their best prices to any qualified "good driver." In general, you are entitled to a good driver discount if you meet all of the following criteria:</p>

NO SURCHARGES IF YOU WERE NOT AT FAULT IN AN ACCIDENT

February 4, 2003  ·  Harvey Rosenfield

<!-- excerpt --><p>Your insurance company cannot deprive you of the 20% Good Driver Discount just because you got into an accident, as long as it was not your fault.</p>

Intervenor Regulations

February 4, 2003  ·  Consumer Watchdog

<p class="source">California Code of Regulations</p> <p>California Code of Regulations Title 10, Chapter 5 Subchapter 4.9 RULES OF PRACTICE & PROCEDURES FOR RATE PROCEEDINGS</p>

Regulators criticized over lack of oversight;

February 4, 2003  ·  Consumer Watchdog

<h3>'COMMERCIAL LINE' GETS LESS ATTENTION</h3><p class="source">Lexington Herald-Leader</p> <p>Kentucky doctors have complained for several years about ruinous insurance premiums. But only three weeks ago did Insurance Commissioner Janie Miller order insurers in Kentucky to disclose their premiums for malpractice coverage.</p>

The Good Hands People

February 3, 2003  ·  Consumer Watchdog

<p class="source">RCR Wireless News</p> <p>After all, these insurance companies need to recoup massive losses incurred from heavy investments in WorldCom, Tellabs, WinStar, Enron, Tyco and the like, according to the Foundation for Taxpayer and Consumer Rights.</p>

Southern California Homeowners Worry about Impact of Filing Insurance Claims

February 2, 2003  ·  Consumer Watchdog

<p class="source">Daily News of Los Angeles</p> <p>As insurance underwriters raise premiums and toughen renewal policies, homeowners across Southern California are scared stiff that filing just one claim with their insurance company could blackball them for years and render their home unsaleable</p>