A newly filed proposed CA ballot initiative would give injured patients more money in med-mal lawsuits.

"Job and education level are being used as proxies for race and class" says Consumer Watchdog Executive Director Carmen Balber. Drivers working blue-collar jobs, without college degrees or those who live in less affluent neighborhoods are being discriminated against and end up paying more for their car insurance.

Homeowners in high fire risk areas are experiencing insurance premium increases of up to 4 times more expensive, some not being renewed at all. 

Consumer Watchdog President Jamie Court says that we should enforce tighter restrictions on insurance companies so they are not be able to raise homeowners insurance premiums this drastically for consumers in these fire risk areas. “We should make sure that the people who are seeing the biggest premium hikes are able to get a break if they are fire-hardening or fire-safing their home but that will take the insurance commissioner digging in and getting tough on insurance companies and we haven't seen that yet.” 

Consumer Watchdog, wrote an open letter to Lara on Tuesday.

“As Insurance Commissioner, you have broad power that you are not using to prevent insurance companies from unfairly penalizing homeowners,” Consumer Watchdog Executive Director Carmen Balber wrote. “There is a way, now it is up to you to demonstrate the will.”

ABC10 asked Lara to respond to the letter Wednesday night, following a packed meeting he led at the Gold Country Fairgrounds in Auburn.

 In the letter, Balber outlines three emergency rules she says Lara can issue now to protect homeowners.

She wants Lara to require each insurance company that does business in California to offer a discount to homeowners who make investments in hardening their home against wildfires – work like that which the Caseys did, clearing trees and bushes. She likens it to automobile insurance companies giving discounts to safe drivers.

Consumer Watchdog is also asking Lara to "bar the use of claims software that low-balls the cost of repair and reconstruction" and stop insurance companies from using any wildfire risk models “that lead to excessive or discriminatory rates,” citing the FireLine® score, which is now infamous to homeowners in fire-prone areas. Insurance companies use it to determine homeowners' fire risk and whether to sell them fire insurance.

The gas tax kicks in on July 1st in California and is expected to generate $50 billion for repairs to roads and infrastructure. Consumer Watchdog President argues that these repairs should be paid for by the excess profits of oil refiners that have been gouging Californians for decades.