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Please Vote No On Prop 33 Today

1:04 pm in Uncategorized by Consumer Watchdog

Stop Prop 33

For the last 25 years, I’ve worked day and night to keep insurance rates low here in California. That’s why I’m OPPOSED to PROP 33, the Mercury Insurance Company Initiative…and I need your help to get the word out.

Prop 33 will allow insurance companies to raise rates on good drivers who’ve done nothing wrong. It legalizes huge surcharges (hundreds, or even thousands of dollars) on consumers just because they did not previously have auto insurance – even if they didn’t own a car, or didn’t drive. Motorists would pay more if they had a lengthy lapse in coverage through no fault of their own – because they were sick or haven’t been able to get a job since the 2008 financial crash.

We all know the special interests are trying to steal the election today. But I still couldn’t believe it when I opened the Los Angeles Times this past weekend and saw a huge ad featuring two people claiming to be former state “insurance commissioners,” saying that Proposition 33 will help consumers. They both work for the insurance industry!

The billionaire chairman of Mercury Insurance, a company that has consistently misled regulators and broken state insurance rules, paid for that deceitful advertisement and the entire Prop 33 deceptive campaign. He’s spent $17 million so far. We don’t have the millions to fight back with our own ads. But you can help me defeat Prop 33 by warning your family and friends to VOTE NO ON PROP 33.

Forward this blog to them, or use this link to send them an email, post it on your Facebook page or tweet it before polls close tonight.

The Prop 33 surcharges were a huge problem back in the 1980s, and led to more uninsured motorists on the road and higher rates for everyone. That’s why, when I wrote Proposition 103 back in 1987, I put in a protection against these surcharges, and we Californians passed it. Proposition 33 actually repeals that protection.

Prop 33 will punish students, seniors, mass transit commuters, even military spouses and veterans.

Just ask yourself this question: When was the last time an insurance company and its executives put a proposition on the ballot to save you and me money?

Never.

In fact, a few days ago Mercury Insurance Chairman George Joseph admitted to a Los Angeles Times reporter that he’s just using the initiative process to make more money for himself and his company.

That’s why every major newspaper in California is urging people to vote NO on 33.

Just two years ago, California voters rejected a ballot measure by Mercury Insurance that was almost identical to Proposition 33.

We can beat them again today, but only if you help me get out the word today.

Please urge your family and friends to vote NO on Prop 33. Forward this blog to them, or use this link to send them an email, post it on your Facebook page or tweet it before the polls close tonight!

Thanks for all your support,

Harvey Rosenfield

Harvey Rosenfield
Founder of Consumer Watchdog

Jim Crow Insurance: CA Prop 33 Turns Back The Clock To Price Discrimination In Auto Insurance

12:48 pm in Uncategorized by Consumer Watchdog

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Revelations of discrimination by insurance companies are always shocking, but when they come out just days before a vote on an industry-sponsored ballot measure that would legalize unfair price increases and prejudice in auto insurance, Californians should pay particular attention.

A former insurance agent from the Auto Club of Southern California just blew the whistle on a scheme at the company that led to discrimination. The allegations come just as California voters take up Prop 33, a ballot measure financed with $16 million by one insurance executive, Mercury Insurance chairman George Joseph, that will allow auto insurance companies to surcharge motorists just because they didn’t buy insurance in the past, even if they didn’t own a car.

A new poll from the California Business Roundtable, whose numbers consistently tilt in favor of big business that funds it, shows voters have turned against Prop 33, with support dropping to 48% as the public learns about the proposal and the billionaire insurance executive who is behind it.

The Auto Club of Southern California insurance agent Jill Rogers exposed how the insurance company financially penalized agents for writing policies for new drivers and those without prior insurance, including those who did not drive previously. She said agents hung up on customers who did not have prior insurance and quoted them the most expensive policies, because the agents would only receive a $20 commission on those policies. For those who had continuous coverage, the Auto Club would pay its agents $100 to $500.

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Call it Jim Crow Insurance. It’s illegal to charge more to new drivers and those with lapses in coverage in California, so insurance companies find other ways to keep them off the roll.

Clearly auto insurance companies don’t like to insure new drivers and those who had a lapse in their coverage, even though they are prevented by law from charging them more. Prop 33 would open the door to outright price discrimination.

As husband of an African American woman, I have seen racial discrimination first hand, including misplaced reservations, overcharges and other indignities endured by my wife and family on a fairly regular basis. Jill Rogers’ description of how insurance companies financially pressure agents, who in turn drop phone calls and misquote certain types of drivers, rings a bell. And this occurs in a system where it is already illegal to charge more to people who did not drive previously because they could not afford insurance.

How much worse will it be if Prop 33 made such price discrimination legal for all insurance companies?

We know from history. Shortly after California imposed tough mandatory insurance laws in the 1980s, a group of inner city residents sued because they were being forced by the state to buy auto insurance but could not afford it: Insurance companies were charging them thousands of dollars per year for auto insurance because of the ZIP-code they lived in and the fact that they did not have insurance previously.

Auto insurance companies, including George Joseph’s Mercury Insurance, the backer of the current Prop 33 proposal, essentially drew a “redline” around their communities and used these two pricing factors to keep African Americans and Latinos out of the auto insurance market.

Justice Allen Broussard of the California Supreme Court wrote: “This case arises from the attempt of the California Legislature to solve a serious social problem – the uninsured driver – without taking into account an equally serious problem – insurance pricing practices which make automobile liability insurance prohibitively expensive for many of the urban poor.”

Broussard, the second African American justice to serve on the California Supreme Court, noted that the plaintiffs “speak also of the reluctance of insurance companies to insure persons who were previously uninsured, a problem of particular concern since the purpose of the 1984 legislation was to compel such persons to obtain insurance.”

In its decision in the seminal King v Meese case, the California Supreme Court said it sympathized with the plaintiffs but told them to turn to the legislature, which then refused to act. Voters took matters into their own hands in 1988 with Prop 103 and banned the power of insurance companies to charge new drivers and those without previous insurance more for auto insurance.

Now, 24 years later, Prop 33 would reverse the ban and allow companies to again charge new drivers and those without insurance more for auto insurance.

Anyone who doubts that Prop 33 is about giving insurance companies the power to discriminate just needs to listen to Jill Rogers.

Joseph, who has tried to overturn this and others prohibitions on discrimination in the courts and legislature for two decades, before losing a nearly identical ballot measure to Prop 33 just two years, finally admitted to the LA Times recently that he would use Prop 33 to charge more to new people in the market. Afterall, when was the last time an insurance company billionaire spent $16 million on a ballot measure to save you money?

And if you doubt that such price discrimination would fall hardest on people of color, consider that the unemployment rates among whites is 7.5% and among blacks 14.1% percent and Latinos 10.2%. People of color are going to be the most likely to have to stop driving for economic reasons, and Prop 33 will slam them with 40% premium increases when they come back in the insurance market. That’s exactly how much Mercury Insurance charged those who didn’t drive previously when the sponsor of Prop 33 and his company were caught illegally surcharging them in the late 1990s and early 2000s.

Prop 33 hurts all of us by putting more uninsured motorists on the road, and raising our uninsured motorists premiums, but it’s attempt to punish communities of color is outrageous.

Prop 33 is a deceptive initiative designed to bring us back to the day when insurance companies could price certain types of people out of the insurance market. That’s why consumer groups, civil rights groups like MALDEF and Equal Justice Society, as well every major newspaper editorial board in the state oppose it.

Recently civil rights leader Dolores Huerta spoke out against Prop 33. “We should be wary when a billionaire funds a self-enrichment ballot scheme,” said Huerta. “We will all pay if insurance discrimination against the poor and communities of color is brought back. Please join me in voting NO on Prop 33.”

Judging by the most recent poll, and thanks to whistleblowers like Jill Rogers, Californians seem to be agreeing with Huerta.
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Originally posted on 11/1/2012 on the Huffington Post. Posted by Jamie Court, author of The Progressive’s Guide to Raising Hell and President of Consumer Watchdog, a nonpartisan, nonprofit organization dedicated to providing an effective voice for taxpayers and consumers in an era when special interests dominate public discourse, government and politics. Visit us on Facebook and Twitter.

Stop Billionaires From Buying the Vote

2:53 pm in Uncategorized by Consumer Watchdog

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We have just one week to beat the insurance billionaires trying to buy this election.

We plastered these posters around the streets of San Francisco and Los Angeles to expose these deceptive billionaire propositions. Can you help us make sure more voters know?

Please post our new posters on Facebook today. Don’t use Facebook? Share the posters directly from our website here.

Our grassroots campaign against Prop 33 has just a few hundred thousand dollars to compete with the $16.4 million spent by insurance billionaire George Joseph, chairman of Mercury Insurance.

PhotobucketAnd last week, Charlie Munger Jr., the heir to the Berkshire Hathaway fortune including GEICO Insurance, sank another $13 million – for a total $35 million – into the campaign for Prop 32.

Prop 32 will take away workers’ voices in Sacramento but preserve the power of big corporations and wealthy individuals – like Munger and Joseph – to spend unlimited amounts in elections. Prop 33 will deregulate auto insurance and allow insurance companies to raise rates on good drivers just because they decide to stop driving for awhile.

We’ve got just 7 days left to expose these billionaires and stop them from buying the election.

Please share our posters on Facebook, or find the posters on our website and email your friends.

Your voice can beat the money spent by these insurance billionaires, but only if you help us spread the word. Tell your friends to vote No on Props 32 and 33 today!

An Open Letter to The Insurance Billionaires Behind Props 32 & 33

9:00 pm in Uncategorized by Consumer Watchdog

No On 32 and 33

In an open letter today, the California Nurses Association and Consumer Watchdog challenged the billionaire financiers of Propositions 32 and 33 to a public, televised debate.

Will Charles Munger Jr. and George Joseph defend the measures attacking working people that they’ve spent $39 million promoting? Or will they continue to hide in the shadows behind their PR flacks and deceptive TV advertising?

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October 24, 2012

Mr. Charles Munger Jr. and Mr. George Joseph:

Gentlemen, the California Nurses Association and Consumer Watchdog invite you, the primary financial sponsors of Propositions 32 and 33, to join us for a public debate on the merits and adverse consequences of these measures and the impact they will have on all Californians.

We call for a debate that would be hosted by a journalist of mutual agreement in a televised forum at your earliest convenience.

To date, Californians have heard a great deal about the reputed benefits of Propositions 32 and 33, but only from one-­‐sided political ads that hardly provide a fair or complete picture.

As the biggest financial contributors to these initiatives, for which you have already contributed a combined $39 million, your silence on these measures, which will have far-­‐reaching effects on all Californians, does a great disservice to the public.

If the initiatives you have so lavishly financed really will achieve the promises you claim in your advertisements, you should welcome the opportunity to stand up in public and defend them. We call on you to do so now.

As you no doubt know, our organizations sharply disagree with both the content of these initiatives, and the misleading way in which you have promoted them.

Proposition 32 is a misleading measure which claims to be legitimate campaign finance reform, but has been exposed as anything but that by virtually every newspaper in California. It would exempt corporate interests, shadowy super PACS, and the super wealthy like both of you while silencing the voices of nurses, consumer advocates, and others who would challenge your views.

Proposition 33 reverses a 24-­‐year-­‐old consumer protection that prohibits auto insurance companies from charging drivers more for car insurance just because they didn’t drive previously or otherwise had a break in coverage. Opposed by Consumers Union, Consumer Watchdog and nearly every newspaper editorial board in California, Proposition 33 allows insurance companies to penalize good drivers who did nothing wrong other than not drive and not buy insurance. Nonetheless television advertising running statewide falsely claims Proposition 33 “rewards responsible consumers.”

We know that more and more Californians are appalled at the specter of billionaires and multi-­‐millionaires corrupting our political process and would like to hear answers from those spending so much in this campaign. First and foremost, they would ask: Are the $22.9 million and $16.4 million checks you have written for Propositions 32 and 33, respectively, aimed at anything more than buying the vote for personal and political gain?

It’s time for you to step out of the shadows. The voters deserve to see and hear from the people responsible for Props 32 and 33, rather than the same old sound bites from the deceptive advertising your millions pay for.

Voters need to look you in the eye to gauge your sincerity, and judge your motives. The voters being bombarded with your advertising spin now deserve no less.

We look forward to hearing from you.

Sincerely,

DeAnn McEwen, RN
Co-­‐president, California Nurses Association

Jamie Court
President, Consumer Watchdog

Top Ten Reasons California Newspapers Say We Should Vote No on Prop 33

5:16 pm in Uncategorized by Consumer Watchdog

Prop 33 Is A Measure Backed by One Insurance Billionaire To Raise Rates On Good Drivers

License plate of car in traffic ' Yu Crazy'

Photo: Robert Couse-Baker / Flickr

Consumer Watchdog Campaign today compiled ten of the most compelling reasons Californians should vote NO on Proposition 33, as reported by newspapers and editorial boards across the state.

“Consumer and public interest groups are being outspent 50 to 1 by an insurance billionaire who has thrown $16 million into Prop 33 in order to cherry pick customers and raise rates on good drivers in California,” said Carmen Balber of the No on Prop 33 Campaign. “Voters should look to trusted sources to sort through the truth about how Prop 33 will hurt consumers.”

Top ten reasons Californians should vote NO on Prop 33:

1. Prop 33 will raise rates on new drivers.

George Joseph, the insurance billionaire behind Prop 33, acknowledged to the Los Angeles Times “on Sunday that Prop 33 will raise rates on new drivers. As columnist Mike Hiltzik reported: “He made no bones about the fact that the ‘proper rate’ for customers coming to Mercury as newly insured policyholders is much higher than what he can charge them now.”

2. Prop 33 will allow insurers to cherry pick their preferred customers and raise rates on everyone else.

Riverside Press-Enterprise editorial: “”The idea that the head of an insurance company would spend millions of dollars to save drivers money defies all credibility. No, a different and self-interested agenda drives this measure: poaching lucrative customers from rivals while encouraging less desirable customers to go elsewhere. Californians have no reason to reward that kind of special-interest scheme, and voters should reject Prop. 33.”

3. California voters said NO to an almost identical measure at the ballot two years ago.

San Jose Mercury-News editorial: “Two years ago billionaire George Joseph, chairman of Mercury Insurance, spent $16 million of the company’s money on Proposition 17, a direct attack on California’s strong insurance rights laws. Like an irritating mosquito, Joseph and his millions are back again this year with Proposition 33, essentially a new version of the law voters rejected two years ago.”

4. Prop 33 will raise the number of uninsured drivers in California.

Read the rest of this entry →

Prop 33 Game Changer

3:07 pm in Uncategorized by Consumer Watchdog

Prop 33 Billionaire Financier George Joseph

Incredible! With two weeks until Election Day, the insurance billionaire behind Prop 33 finally admitted his auto insurance initiative will raise rates on new customers.

Los Angeles Times columnist Mike Hiltzik drew the admission from Mercury Insurance Chairman Joseph in Sunday’s newspaper.

When the billionaire writing the $16 million check for Prop 33 speaks about his initiative raising auto insurance rates, voters should listen. 

But will voters hear Prop 33’s financier over the deceptive television advertising he has bought claiming only that Prop 33 will “reward responsible drivers”?

You can help us get out the word by posting the link to Sunday’s LA Times column (http://lat.ms/TCDqH4) on your Facebook timeline, tweeting it or sharing it with your friends from the newspaper’s site.

In Sunday’s Los Angeles Times, Joseph acknowledged that Prop 33 is a marketing strategy for his insurance company that will allow him to cherry pick his customers “if I could charge new people the proper rate.”

As Hiltzik reports, “He made no bones about the fact that the ‘proper rate’ for customers coming to Mercury as newly insured policyholders is much higher than what he can charge them now.”

Voters banned the power of insurance companies to raise rates on first time drivers and others who did not previously have auto insurance in 1988. Prop 33 would turn back the clock on auto insurance regulation in this state.

Will you help us spread the word about Prop 33’s big lie?

Joseph said that if Prop 33 doesn’t pass it will be “a tremendous waste of money.” Better his than ours! Please share this critical news story today.
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Posted by Jamie Court, author of The Progressive’s Guide to Raising Hell and President of Consumer Watchdog, a nonpartisan, nonprofit organization dedicated to providing an effective voice for taxpayers and consumers in an era when special interests dominate public discourse, government and politics. Visit us on Facebook and Twitter.

California’s Billionaire Ballot: The Good, Bad, And Ugly

3:12 pm in Uncategorized by Consumer Watchdog

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Populist governor Hiram Johnson gave Californians the ballot initiative one hundred and one years ago to combat the stranglehold of wealthy scions over the statehouse. Today’s New York Times reports on how California’s ballot measures are dominated by a handful of billionaires, including some trying to buy more power for themselves and their companies. Call it The Billionaire Ballot.

In modern history there has been no slate of ballot measures with so much concentrated wealth behind it. But can we judge a ballot measure by the billionaire behind it? It depends what the billionaire wants.

Here’s a populist guide to the Good, Bad and Ugly of California’s Billionaire Ballot:

The U G L Y: Two insurance billionaires are the big funding behind Proposition 32 and 33. Both initiatives have been rejected before. The tens of millions being poured in by two insurance billionaires are pure power grabs to get more money and power for the backers of Proposition 32 and 33.

Proposition 33 is backed by Mercury Insurance Chairman George Joseph, who has spent $16 million, 99.5% of the funds behind the initiative, to charge drivers more for not having auto insurance previously, even if the reason is they didn’t drive. Billionaires buying the ballot to help their own profits doesn’t get much uglier than Prop 33.

Prop 32 features the heir to the Berkshire Hathway fortune, including GEICO and another insurance company, buying the ballot to gut the power of labor unions in the political process. This of course helps the super-rich and insurance companies have more power. GEICO heir Charlie Munger Jr. poured $22 million into Prop 32, and it isn’t to benefit The People, but His People. Hiram Johnson rating: U.G.L.Y!

The BAD: Molly Munger, the other heir to the Berkshire Hathaway fortune, the liberal one, is funding an altruistic ballot measure, Prop 38, which is backed by the PTA and funds education. The problem is it has little public support and is likely not only to fail, but could bring down Prop 30, Governor Brown’s budget mending ballot measure, which Munger briefly attacked directly. Rule for billionaires in ballot measures: start with 70% approval rating, not 40%. IF you don’t have the public with you at the beginning, you are not likely to win voters over. And if there’s a competing ballot measure, it’s likely to be a pox on everyone’s house.

The GOOD: At least two billionaires have the right idea. Environmentalist and hedgefund manager Tom Steyer is funding Prop 39, an enlightened idea to close the state’s loophole on taking out of state corporations, and generate $1 billion for the beleaguered state treasury. Steyer used his money to stop oil companies from gutting the state’s greenhouse gas emissions law last election, for which he earned my consumer group’s Phillip Burton Public Service Award.

Nicholas Berrgruen’s financing pushed Prop 31 on the ballot at the last minute. It’s a two year budget cycle initiative reform that has positives and negatives, but Berrgruen sponsored the idea because he believed it would benefit Californians, not line his own pockets. In the end, that’s all we can really ask of billionaires that want to play in ballot measure politics: 1) Do it for the state, not to benefit yourself or your class 2) Don’t screw anyone else who has a better idea and is more in sync with public opinion.

It takes big money to play in California’s ballot measure process today, so billionaires are plenty welcome. But if they are in it for themselves, they aren’t likely to fool the voters, who have a remarkable knack for rejecting any ballot initiative with a stink behind it. In the end, the initiative process is still the people’s. Voters decide, and their judgment over the billionaires is the final verdict.

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Originally Posted on The Huffington Post by Jamie Court, author of The Progressive’s Guide to Raising Hell and President of Consumer Watchdog, a nonpartisan, nonprofit organization dedicated to providing an effective voice for taxpayers and consumers in an era when special interests dominate public discourse, government and politics. Visit us on Facebook and Twitter.

Top Five Reasons the Insurance Company Behind Prop 33 Can’t Be Trusted

4:45 pm in Uncategorized by Consumer Watchdog

Sacramento Bee Ad Watch Says Prop 33 TV Ads “Mislead”

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The insurance billionaire behind Prop 33 is asking California voters to believe that he wants to overturn laws that have protected consumers for 24 years to save consumers money. Consumer Watchdog Campaign today released the “Top Five Reasons You Can’t Trust Mercury Insurance,” outlining the company’s troubling history as a renegade insurance company that routinely defies the law and abuses consumers, as reasons this insurance executive and his company can’t be trusted.

Also today, a Sacramento Bee Ad Watch analysis found that a Prop 33 TV ad is “misleading,” because it hides the fact that it will raise rates on good drivers who have a break in their insurance for almost any reason, and because it “features a testimonial from a motorist without disclosing she works for Proposition 33’s campaign team.”

Read the Sacramento Bee story

Mercury Insurance chairman George Joseph has spent $16 million on Prop 33.

“The lies in the Prop 33 ads are the latest but not the last in Mercury Insurance’s long history of deceiving and abusing consumers, and willfully breaking the law to boost its own bottom line at the expense of its customers. Voters should be warned that they can’t trust a word this insurance billionaire says about Prop 33, or a single TV sound bite coming from his $16 million campaign to fool the public,” said Carmen Balber with Consumer Watchdog Campaign.

The California Department of Insurance stated in an agency enforcement action against Mercury: “Mercury has a deserved reputation for abusing its customers and intentionally violating the law with arrogance and indifference.”

Find that statement here (Page 4)

The Top Five Reasons You Can’t Trust Mercury Insurance:

Read the rest of this entry →

Insurer Caught Red-Handed Lying In Prop 33 TV Ad – Warn Your Friends

11:43 am in Uncategorized by Consumer Watchdog

You won’t believe this!

The insurance billionaire behind Prop 33 isn’t just lying about his phony proposal in the television ads airing this week. He is actually using paid employees to impersonate “real drivers” and not disclosing it to voters. We have the proof in this short video.

Please watch the short video exposing the Prop 33 campaign’s big lies and share it with all the California voters you know to warn them.

Campaign finance law requires that campaigns disclose if they are using paid spokespeople in their television ads, but the insurer-funded Prop 33 campaign didn’t disclose to viewers that it used two employees of its paid PR firm in advertisements to pose as average drivers.

You can help spread the word. Watch the short video and post it to your Facebook, Twitter and other accounts.

California voters shouldn’t be deceived by one insurance billionaire, Mercury Insurance’s George Joseph, who has spent $8.4 million to pass Prop 33. Our friends, family and co-workers deserve to know the truth.

When was the last time an insurance billionaire spent $8.4 million on a ballot measure to save consumers money?

Please join us in warning California voters.

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Posted by Jamie Court, President of Consumer Watchdog Campaign and leader of StopProp33.com. For more information about the campaign visit us on Facebook and on Twitter.

Mercury Insurance Gave $25K to Greenlining Institute for Flip-Flop Prop 33 Endorsement

3:26 pm in Uncategorized by Consumer Watchdog

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Consumer Advocates Call On Group To Withdraw Support For Measure That Would Raise Car Insurance Rates on Good Drivers

The nonprofit Greenlining Institute acknowledged in a San Francisco Bay Guardian story published today that it received a $25,000 donation from Mercury insurance company, and expects more for its work in support of Mercury-backed Proposition 33. Prop 33 is funded by Mercury insurance’s billionaire chairman George Joseph and would raise car insurance rates on good drivers who have a break in insurance coverage, even if they’re not driving.

In a letter, Consumer Watchdog urged Greenlining to reverse its decision to support Proposition 33. Greenlining opposed a nearly identical ballot measure proposed by Mercury insurance company in 2010, Prop 17.

Download the letter here

Read the San Francisco Bay Guardian story

“We are writing to urge you to reconsider your shocking support for Proposition 33 and the auto insurance redlining it seeks to legalize,” wrote Consumer Watchdog founder Harvey Rosenfield and Washington DC director Carmen Balber. “Greenlining purports to represent the very low-income drivers who will be hurt the most if Proposition 33 is approved next November, allowing insurance companies to surcharge Californians who stop driving for legitimate reasons and then choose to get back on the road.”

Prop 33 would overturn a 24-year-old law banning discriminatory practices by auto insurance companies that were brought to light in the 1987 California civil rights case, King v. Meese.

“The rampant practice of surcharging, or refusing to sell insurance to, people who were not previously insured was one of the most pernicious of the discriminatory techniques employed by the insurance industry,” said the letter. “In signing the ballot argument for Proposition 33, you have aligned yourself with George Joseph and Mercury Insurance, the most persistent partisans for the legalization of the old redlining tricks that made auto insurance inaccessible to low-income families and communities of color for decades.”

The letter notes that Proposition 33 targets Californians who stop driving for legitimate reasons:

  • When low-wage workers who commute by bus need to get a car in order to maintain their job, they will be surcharged by about 40% for auto insurance;
  • When immigrant drivers are finally able to obtain a California driver’s license and try to buy insurance, they will be forced to pay hundreds and possibly thousand of dollars more than the drivers who purchased insurance in the past, even though they are equally good drivers;
  • When drivers who have found it financially impossible to maintain uninterrupted insurance coverage turn to the auto insurance market in hopes of complying with the mandatory insurance law, they will face a financial penalty for being poor;
  • Those who cannot afford these massive surcharges will be exposed to penalties and seizure of their vehicles for failure to comply with the Financial Responsibility Law.