Should the rules be changed for auto insurance companies doing business in California? That is the central question voters are being asked with Proposition 33. And the measure is complex.

Harvey Rosenfield wrote and shepherded the passage of Prop. 103, while George Joseph is the founder and chairman of Mercury Insurance. The two have been adversaries for decades, and the fight has been joined again, this time over Proposition 33 where Joseph is the major financial backer.