Insurance
Oct. 28, 2025
California insurance showdown 2026: Competing ballot initiatives set to reshape the market
Part Two examines the proposed 2026 ballot initiatives targeting property and automobile insurance in California, including a Consumer Watchdog "Bill of Rights" and a modernized regulatory framework aimed at restoring competition. The coming election could once again place voters at the center of the state's insurance market policy.
With a long history of ballot-driven insurance reform, California faces a potential election in 2026 that could dramatically alter the property and automobile insurance markets. Three major initiatives -- ranging from protecting accident victims to rewriting the rules established by Proposition 103 -- are vying for voter approval, each with vastly different approaches to regulation, consumer protection, and insurer participation. This article delves into the specifics of thes...
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