Consumer Advocates Call on Court to Eliminate Marital Status Discrimination in Auto Insurance; Evidence Shows Overcharging

Legal Challenge Against Marital Status Discrimination: Consumer Watchdog argues that basing auto insurance premiums on marital status violates California's civil rights laws and Proposition 103, which prohibits such discrimination.

Proposition 103 Requirements: The proposition mandates that auto insurance rates be primarily determined by driving record, annual mileage, and years of driving, with any additional factors needing to comply with civil rights laws.

Impact of Discriminatory Practices: A brief from the Consumer Federation of America reveals that unmarried drivers can pay significantly higher premiums, with racial disparities noted in how these surcharges affect different demographics.

Judicial Oversight Importance: Consumer advocates stress the need for judicial oversight to prevent abuse of power by the Insurance Commissioner, ensuring that no official can unilaterally decide on civil rights protections.