California Prohibit Discrimination in Insurance Rates Based on Policy History (2010)
|Not on Ballot|
| This measure did not or |
will not appear on a ballot
|Voting on Insurance|
|Not on ballot|
On October 6, 2009, Douglas Heller filed a request with the Office of the California Attorney General for an official ballot title on an act that he was calling the "Fair Insurance Premiums and Practices Act."
If this measure had succeeded, it would have changed California's laws about insurance rates in the following ways:
- Insurance companies would be prohibited from raising rates on policy holders who file a claim, if the incident was not the fault of that policy holder.
- Insurance companies would not be allowed to charge higher rates to policy holders who let their policy lapse, or who are purchasing a policy for the first time.
Text of measure
The Attorney General issued the following title, summary and statement of estimated fiscal impact for Initiative 09-0500:
Limits on Insurance Company Practices. Initiative Statute.
Prohibits insurance companies from determining the cost of, or eligibility for, residential property insurance based on a person's history of certain insurance claims or lack of prior insurance coverage. Prohibits insurance companies from determining the cost of, or eligibility for, insurance based on whether a policy holder has previously inquired about the insurance policy. Requires insurance companies to submit to the Insurance Commissioner the criteria used to determine the cost of, and eligibility for, residential property insurance.
Estimated fiscal impact
This measure would probably have no significant net fiscal effect on state or local governments.
- California Stop Insurance Overcharges Act (2010). This measure was also filed by Douglas Heller.
- California Continuous Coverage Auto Insurance Discount Act (2010). This measure is sponsored by Mercury Insurance, and does approximately the opposite of the measures proposed by Heller.
- Capitol Weekly, "Insurers, critics face off over customer ‘discounts’," November 5, 2009
- California Secretary of State, List of 2009 initiatives," accessed February 2014
- California Attorney General website, Initiative 09-0500 title and summary," accessed February 14, 2014
- Note: This text is quoted verbatim from the original source. Any inconsistencies are attributed to the original source.