California Issues Requirements for Complete Rate Applications and Issuing Good Driver Discount Policies

CA | The California Department of Insurance has issued Bulletin 2023-7.

This Bulletin is in response to numerous consumer complaints that my Department has received regarding waiting periods, questionnaires, and other practices instituted by personal auto insurance companies while writing new and renewal personal auto insurance coverage that could be in violation of various provisions of Proposition 103 and/or other California laws, including (1) the obligation of insurers seeking rate changes to provide “such other information” required by the Insurance Commissioner and specifically delineated in Proposition 103 statutes as well as the Commissioner’s implementing regulations and rate filing instructions, exhibits, templates, checklists, and questionnaires; and, (2) the obligation of personal auto insurers to write all applicants who qualify as “Good Drivers.”

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