Resolution to Oppose Efforts to Overturn Insurance Protections Currently in Effect
Whereas, it is one of the longstanding purposes and policies of the California Democratic Party to protect the poor and middle class from unfair and costly practices in the marketplace; and
Whereas, in response to excessive rates as well as the unfair and discriminatory insurance practices identified in the 1987 civil rights case King V. Meese, California voters passed Proposition 103 in 1988, which among other reforms prohibits auto insurance companies from charging higher premiums to drivers simply because they did not have car insurance at some point in the past; and
Whereas, it has come to our attention that efforts are currently underway to undo this important protection and allow auto insurance companies to penalize drivers with potentially massive surcharges if they did not have auto insurance at some point during the past five years, even if they didn’t have a car and had no need for insurance, or had a lapse in coverage totaling more than ninety days over the preceding five years, or missed a payment and their insurance company cancelled the policy, so that, as an example, the following persons would be discriminated against: soldiers seeking insurance after living on base without a car, seniors who dropped coverage while recovering from surgery, graduating students who need a car to enter the workplace and the unemployed struggling to afford auto insurance as they try to get back on their feet,
Therefore, be it resolved that the Los Angeles County Democratic Party opposes any efforts by any means to overturn the insurance protections currently in effect that protect the poor and middle class from unfair and costly practices in the market place.
Passed by LACDP Resolutions Committee
Passed by LACDP 2/9/10