California Prohibit Discrimination in Insurance Rates Based on Policy History (2010)

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A California Prohibit Discrimination in Insurance Rates Based on Policy History (09-0050) did not qualify for the November 2, 2010 ballot in California as an initiated state statute.[1]

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."[2]

The petition was cleared for circulation with a deadline of April 29, 2010, which proponents did not meet.[2]

Provisions

If this measure had succeeded, it would have changed California's laws about insurance rates in the following ways:[3]

  • 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:[3]

Ballot title

Limits on Insurance Company Practices. Initiative Statute.[4]

Official summary

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.[4]

Estimated fiscal impact

This measure would probably have no significant net fiscal effect on state or local governments.[4]

Related measures

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