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Feature
3/21/2006
Consumer Watchdog
Auto, home and business insurance rates cannot be excessive Proposition 103 requires insurance companies to submit applications for rate changes to the California Department of Insurance for review before they are approved. Auto, home and business insurance rates cannot be approved or remain in effect if they are excessive, inadequate,...
Feature
3/20/2006
Harvey Rosenfield
Be advised: Some brokers will insist they cannot legally cut their commissions. Others (especially auto insurance agents, who make limited commissions) don't like to. Shop around for those that will -- or, if you like, select an insurer that doesn't use agents. Their rates can be cheaper (but you won't get the personal service agents provide)....
Feature
3/20/2006
Harvey Rosenfield
You can negotiate a low-cost group insurance policy for your automobile, home or business. Big policyholders (large corporations, for example) have always been able to negotiate discounted policies. Proposition 103 allows individual consumers to band together to negotiate group policies. Original Text of Proposition 103: Group Insurance Plans...
Feature
3/20/2006
Harvey Rosenfield
Under Proposition 103, you are protected against arbitrary cancellations or non-renewal of your auto insurance policy. Your auto insurance company cannot cancel or refuse to renew your auto insurance policy unless: 1) you didn't pay your premium; 2) you engaged in fraud or misrepresentation concerning the policy; or 3) you have become...
Feature
3/20/2006
Harvey Rosenfield
Your auto insurance premiums must be based on your driving safety record, your annual mileage, and your years of driving experience, rather than where you live. Proposition 103 forces insurers to base premiums primarily upon factors within your control, rather than upon where you live. Under 103, auto insurance premiums must be based primarily...
Feature
3/20/2006
Harvey Rosenfield
Text of Proposition 103: Click here to read the text of Prop. 103. Law as subsequently amended by legislature (changes from voter approved law in bold): NONE. Status of Provision: In effect. Source Documents: NONE. Relevant Legal Materials: Read FTCR's "friend of the court" brief in the Donabedian v. Mercury Insurance case, filed with...
Feature
3/8/2006
Consumer Watchdog
NOTE: Changes made by the state Legislature and the Courts are noted in different colored-text (green for additions, red for deletions). For the complete text noting the repeal of then-existing laws (Section 7), please consult the 1988 California General Election Voter Information Pamphlet or the Insurance Code at your local law library....
Feature
1/24/2006
Harvey Rosenfield & Doug Heller
Stop Insurance Company Abuses Act February 2, 2006 Here is a description of the key reforms contained in FTCR's proposed ballot measure: [Download a draft of the proposal.] 1. Protection Against Unfair Cancellations, Non-Renewals and Surcharges for Home & Property Insurance (Ins Code §1861.17) In recent years, insurance companies selling...
Feature
11/14/2005
Consumer Watchdog
Are My Drugs Covered? Every plan covers different drugs; make sure you immediately rule out the plans that do not cover all or most of your medications. Does My Drugstore Participate? Each plan is accepted by different pharmacies; make sure the plan you choose is accepted nearby. Will My Drugs Stay Covered? The drugs offered by each plan can be...