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

Trying to Cash in On Wildfire Tragedy, State Farm Demands Immediate $740 Million Bailout

Carmen Balber - February 3, 2025

Los Angeles, CA -- State Farm this morning asked Insurance Commissioner Ricardo Lara to authorize an immediate 22% increase in State Farm’s home insurance rates,...

Consumer Watchdog: Wildfire and Windstorm Alert for Los Angeles County and Surrounding Areas

Will Pletcher - January 13, 2025

If your home has been destroyed or damaged by the recent wildfires or windstorms in California, it’s essential to know your rights and available resources.

Lara Reinsurance Regulation To Pump Up Homeowners Rates By 40% Without Guarantees of New Wildfire Coverage, No Opportunity For Public Input

Jamie Court - December 30, 2024

The new draft regulation proposed by Insurance Commissioner Ricardo Lara would allow insurance companies to drive up home insurance rates by 40% to 50%

KTVU-SF (FOX) – San Francisco, CA: Home Insurance Relief On The Horizon

Carmen Balber - December 18, 2024

Carmen Balber says we think that the way to do this right is to require a public catastrophe model developed by state experts, academics who can crunch the numbers, do the science, and then open up the math to the public so we can be confident that insurance companies are using information that's fair and accurate in predicting future climate risk.

Consumer Watchdog Saves California Policyholders $47 Million in United Financial Auto Insurance Rate Hikes

Ben Powell - December 17, 2024

Los Angeles, CA -- Consumer Watchdog reached a settlement with United Financial Casualty Company and the California Department of Insurance last week, resolving the company’s application...

Secret Algorithms to Raise Home Insurance Rates, No Requirement for New Coverage, Under Lara Regulations Issued Today

Carmen Balber - December 13, 2024

Consumers should expect large rate hikes but not more insurance policies sold under new rules issued by Insurance Commissioner Ricardo Lara

Insurance Commissioner Seeks to Avoid State Review of Regulation Permitting Insurers to Use Secret Black-Box Models to Set Rates

Ryan Mellino - December 11, 2024

On December 5, 2024, Consumer Watchdog sent a letter to California’s Office of Administrative Law (“OAL”) objecting to the Department of Insurance’s (“the Department”)...

Consumer Watchdog Saves Policyholders Over $325 Million from State Farm Auto Rate Hike; Dispute Erupts Between Commissioner Lara and Chief Administrative Law Judge Who...

Ryan Mellino - December 11, 2024

As a result of Consumer Watchdog’s intervention, State Farm agreed to a lower rate increase of 17.7% compared to its initial 23.4% request

Little Hoover Commission Calls for Greater Transparency and Accountability in Home Insurance Market

Carmen Balber - November 21, 2024

Insurance Commissioner Ricardo Lara Refused to Testify or Meet with Commission Sacramento, CA – Consumer Watchdog endorsed many of the recommendations released today by the Little...

Consumer Alert: Lara Lies

Jamie Court - November 15, 2024

California Insurance Commissioner Lara is lying to Californians about his plan to allow home insurance companies to raise insurance rates in exchange for covering more people in high risk wildfire areas.

State Farm, Allstate and Insurance Lobbyists Ask Lara to Override Judge’s Decision

Harvey Rosenfield - November 15, 2024

Chief Judge Says CA Insurance Regulators Flouted Consumer Protections Los Angeles, CA - The Chief Administrative Law Judge of the California Department of Insurance has...

Insurance Commissioner Finalizes Plan Allowing Secret Algorithms to Raise Home Insurance Rates; Lies About Making Insurers Sell More Coverage in Return

Carmen Balber - November 14, 2024

Insurance Commissioner Ricardo Lara is not being honest with Californians about making insurance companies using secret algorithms to hike rates.

Alert: Garamendi Calls On Commissioner Lara To Step Aside

Carmen Balber - November 14, 2024

Former Insurance Commissioner John Garamendi called on Insurance Commissioner Ricardo Lara to step aside if he's unwilling to stand up to the insurance industry....

State Farm’s Shady Reinsurance Deal

Carmen Balber - November 8, 2024

Annual reports for State Farm’s home insurance subsidiary in California suggest it’s sending profits out of state by overpaying its parent company for reinsurance....

Consumer Watchdog Saves Policyholders More Than $53 million with 21st Century, USAA, and Liberty Insurance Rate Hike Challenges

Ben Powell - November 1, 2024

Los Angeles, CA -- Consumer Watchdog recently reached settlement in three challenges to double-digit rate hikes requested by 21st Century Insurance Company for its auto...

Insurance Industry Spokesman Maviglio Caught Vandalizing Car On Video; Consumer Watchdog Writes To Inform Head of Trade Group

Jamie Court - October 7, 2024

Los Angeles, CA – Consumer Watchdog has written the head of the American Property Casualty Insurance Association with a video showing its Sacramento spokesperson, Steve Maviglio,...

Lara’s New Draft Regulation Not Improved: Loopholes Still Free Insurers From Promises to Sell More Coverage; Public Calls for Model Transparency, Accountability Go Unanswered

Carmen Balber - October 2, 2024

Los Angeles, CA -- Consumer Watchdog said today’s amendments to Insurance Commissioner Ricardo Lara’s regulations that let insurance companies hike rates based on secret algorithms...

Press Conference on Home Insurance Crisis and Commissioner Lara

Consumer Watchdog - September 17, 2024

https://youtu.be/3RQFYnkX9i0

Homeowners Dropped by Insurers And Facing Massive Rate Hikes Speak Out; Consumer Watchdogs Say Lara Lied About Expanding Wildfire Coverage In Exchange For Higher Rates

Carmen Balber - September 17, 2024

Los Angeles, CA -- Homeowners who were dropped by their insurance company and confronted with massive rate hikes spoke out at an Assembly Insurance...

Homeowners Dropped by Insurers Facing Massive Rate Hikes

Jamie Court - September 17, 2024

https://youtu.be/3RQFYnkX9i0?si=yqCJ9dNwfw0X78jZ Homeowners who were dropped by their insurance company and confronted with massive rate hikes will speak out at a press conference prior to a...

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