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Reports are in PDF format. They are viewable using Acrobat Reader which can be downloaded here free of charge.


The Cost Of No-Fault Auto Insurance

Missouri Department of Insurance Report: Malpractice Claims and Payouts Down; Doctors\' Premiums Increasing

Marsh USA Letter: Malpractice Damage Caps Won't Lower Doctors' Premiums

FTCR v. Fireman's Fund Ins. Co. Complaint

Medical Malpractice Smoking Gun:
GE Medical Protective Document Reveals Caps Don't Work
GE Medical Protective, the nation's largest medical malpractice insurer, formally filed this document and data with the Texas Department of Insurance after the state enacted severe limits on non-economic damages for medical malpractice claims... more

FTCR's "Friend of the Court" Brief for Donabedian v. Mercury Insurance

FTCR's "Friend of the Court" Brief for Poirer v. State Farm Insurance

Public Advocates letter to Senator Burton opposing SB 1291

Cal. Supreme Court Decision in State Farm v. Garamendi [S102251]
Ruling Upholds Proposition 103's Strong Disclosure Requirements of Insurance Industry Redlining Data

Memo to California Congressional Delegation
Re: Proposal to Federalize and Deregulate Insurance Oversight
FTCR's memo to the California delegation concerning the attack on Proposition 103 contained in Rep. Oxley's proposal to deregulate the insurance industry.... more

Ca. Insurance Commissioner Garamendi letter to Rep. Oxley
Re: Proposal to Federalize and Deregulate Insurance Oversight
This letter was written by California Insurance Commissioner John Garamendi in response to a proposal by Congressman Michael Oxley (R- OH).... more

Court of Appeal Decision in Donabedian v. Mercury Upholding Prop. 103

Proposition 103's Impact on Auto Insurance Premiums in California
15th Anniversary Report
On November 8, 1988 California voters approved the landmark insurance reform initiative, Proposition 103. After 15 years, it has saved consumers billions of dollars, even as premiums rose nationally.... more

Declaration of Chris Micheli, Mercury Insurance Lobbyist
FTCR et al v. John Garamendi
The declaration of Mercury Insurance Lobbyist, Chris Micheli, concerning the firm\'s interaction with the office of Governor Gray Davis regarding SB 841 (2003)... more

Proposition 103: A Model for Insurance Regulation
Testimony of Douglas Heller Before US Senate Commerce Committee - 10/22/03

1988 Offical Ballot Analysis of Prop 103

Letter to Gov. Davis: Don't Give Californians More Illusions About Their Privacy In Order To Save Yourself From The Recall

Medical Malpractice Executive Testifies That Malpractice Caps Do Not Reduce Risk
Written Testimony of SCPIE Executive In Response to Prop 103-Challenge to Rate Increase
Written testimony of SCPIE Assistant Vice President and Associate Actuary James Robertson, who claims that California's malpractice caps law, known as MICRA, does not reduce the risk of malpractice insurance in California. * See, in particular, page 4... more

Mercury Insurance Donations & Uninsured Surcharge Bill Timeline

Low Cost Auto Rate Testimony

Krumme v. Mercury Insurance
Insurer Must Stop Misleading Advertising
In Krumme v. Mercury Insurance, SF Sup. Court Judge Robert Dondero ruled that Mercury Insurance agents were charging consumers illegal broker fees and that Mercury Insurance was improperly advertising rates which were lower than consumers would actually p... more

FTCR's objections to a settlement of a class action lawsuit in which the insurance company would be allowed
to continue to surcharge previously uninsured motorists in violation of Sec. 1861.02 of Prop.103 ("no prior insurance") (5/8/01)

Testimony of FTCR Attorney Pamela Pressley, before CA Department of Insurance
concerning Violations of "no prior" law and proposed regulations governing "accident verification" (March 7, 2002)

Testimony of FTCR Attorney Pam Pressley before CA Department of Insurance
concerning violations of "no prior" law and proposed regulations governing "persistency" discounts (2/28/02)

Petition by FTCR asking the CA Insurance Commissioner to write regulations
preventing insurers from surcharging previously uninsured motorists in violation of Sec.1861.02 of Prop.103 ("no prior insurance")(5/4/01)

CA Insurance Commissioner's 8/15/91 Announcement of Rollback Regulations Capping Profits, Expenses, etc.

CA Insurance Commissioner's 10/16/91 Announcement Ordering the 14 Largest Insurance Companies in CA to Pay Rollbacks totaling $1.57 Billion

LA Times Article 10/18/90 Quoting LA Dist. Atty. on how Prop. 103 has forced Insurance Companies to fight fraud for the first time.

CA Insurance Commissioner's 1/7/91 Announcement Imposing Rate Freeze on Insurance Companies

4/1/01 Study by Russell & Jaffee concluding Prop. 103 benefited consumers by lowering rates, etc.

Dr. Hunter's Response to the Insurance Industry's Critique of "Why Not The Best" (8/10/01)

Prior Approval Regulations -- California Department of Insurance notice of workshop and proposed "generic factors" (6/5/02)

Prior Approval Regulations Comments of FTCR/Proposition 103 Enforcement Project regarding "generic factors" (August, 2002)

Regulation, proposed by the California Department of Insurance in response to FTCR's 5/4/01 petition
Prohibiting "no prior insurance" surcharges (12/21/01)

Regulation, proposed by the California Department of Insurance in response to FTCR's 5/4/01 petition
To prohibit insurers from using evidence of prior insurance coverage for Good Driver "accident verification" purposes (12/21/01)

FTCR amicus brief in State Farm v. Low, Case No. 102251 - Part 2 (7/5/02)
FTCR's brief to the California Supreme Court in a case where State Farm and other insurers are attempting to hide their redlining data by circumventing Prop 103

FTCR amicus brief in State Farm v. Low, Case No. 102251 - Part 1 (7/5/02)
FTCR's brief to the California Supreme Court in a case where State Farm and other insurers are attempting to hide their redlining data by circumventing Prop 103

FTCR Objections to Allstate Class Action Settlement, Mitchell v. Allstate, Los Angeles Superior Court Case No. BC 212492 - (9/13/02)
Objections to class action settlement in lawsuit against Allstate for violating Prop 103 by overcharging motorists who previously lacked auto insurance

Gallimore v. State Farm, Case No. B147397 Court Opinion

Risky Business
Insurers' Increasingly Risky Investments in Corporate America Cause Insurance Premiums to Skyrocket
Large liability insurance companies are demanding rate increases to offset massive investment losses, according to a new analysis of major insurance companies by the nonprofit Foundation for Taxpayer and Consumer Rights.... more

Prop 103 Rollback Status By Company Name

Washington's Tort Reform Experience - The Impact of Insurance from the Regulator's Viewpoint
Remarks submitted to the US House of Representatives Subcommittee on Commerce, Consumer Protection & Competitiveness by WA Ins. Comm. Dick Marquardt (10/7/87)

Profitability of the Property/Casualty Insurance Industry. Testimony of Johnny C. Finch, General Accounting Office.
Before the US House of Representatives Subcommittee on Oversight, Committee on Ways and Means. (1986)

How Proposition 103 Changed Insurance Law in California.

1987 Insurance Industry Study on Tort "Reform": Restrictions on Legal Rights Do Not Lower Insurance Rates

1987 GAO Report: Insurers Reaping Huge Profits During "Crisis"

1987 ISO Study Press Clips

Insurer Claims of Greatest Losses Ever a Fraud

The Liability Crisis in Insurance

Insurance Crisis Creation Chronology

Insurance Industry Income & Profits

And Now the Real Facts On Insurer Profitability

Premium Increases in the Insurance Industry

How to Make the Legal System More Efficient

Tort "Reform" in Ontario, Canada Has Not Reduced Premiums

"Tort Reform Should Reduce Premiums"

Lawsuits - Insurance Industry Tall Tales & The Truth

How to Tame the Insurance Industry Cycle & Make the Legal System More Efficient: A Suggested Legislative Agenda for 1987 - Part 1

Insurance Market Loosening in No-Tort-Reform States

Factsheet on Inefficiencies in the Legal System

How to Tame the Insurance Industry Cycle & Make the Legal System More Efficient: A Suggested Legislative Agenda for 1987 - Part 2

"Tort Reform" A Fraud, Insurers Admit (includes filings made by insurance companies)

Appendix: Charts/Graphs for "Why Not the Best" Insurance Industry Study

Why Not The Best?
Report on The Most Effective Auto Insurance Regulation in the Nation - Prop. 103

Press Release for "Why Not the Best" Insurance Industry Study

Petition for Review--Spanish Speaking Citizens Foundation et al. v. Quackenbush
Read the Proposition 103 Enforcement Project's Petition to the California Supreme Court to hear case to end insurers' practices of basing auto premiums primarily on ZIP code... more

State Farm Market Conduct Examination

Allstate Market Conduct Examination

Farmers Home Mutual Conduct Examination

20th Century Market Conduct Examination

Letter From Lawyers to Orange County Register

The Low-Balling of the California Auto Insurance Claim
Insurers Are Paying Less Since Accident Victims Lost Their Rights

Proposition 103's Impact on Auto Insurance Premiums in California
1998 Annual Report





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