March 3rd Primary Results

Politically speaking, PIFC saw a strong showing in the March primary. This primary was unprecedented; the Legislature moved the primary to March 2020, in order to position California to impact the presidential election. That meant early candidate interviews and early funding decisions. Effective campaign activism aids in helping reasonable people get elected. If we leave elections to others, they will control election outcomes, and it is important we do not allow that to happen.

PIFPAC Board Members, staff, and member company representatives conducted several all-day candidate interview sessions in November 2019.  PIFC staff is extraordinarily grateful for the support of, and engagement in, this process by the member companies and PIFPAC
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On the Defense

The legislative bill introduction deadline was February 21, 2020, which means we now have an initial understanding of the “bad bills” related to wildfires and homeowners insurance the industry will face this year. However, there are also many placeholder bills (i.e., spot bills) that do not yet have substantive language, which may be amended in a manner that negatively affects the insurance industry. PIFC staff will monitor these spot bills to see what emerges.

In particular, PIFC has opposed AB 2367, authored by Assemblymember Lorena Gonzalez. Last year, she authored AB 5, which fundamentally changed the way independent contractors operate in California, but our advocates were able to communicate the
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Towing and the Gig Economy

PIFC staff is working on a bill that regulates towers and helps weed out bad actors by creating a licensing requirement.  We are also working with tech companies to make sure that bills impacting the mobility economy, like food-delivery apps, include a perspective from auto insurers.

Last, but certainly not least on the offensive side, PIFC staff continues to submit comments to the California Department of Justice as they create rules surrounding the California Consumer Privacy Act (CCPA) of 2018. Read our latest comments here.

Taking the Heat – Wildfires and Homeowner’s Insurance

On February 12th, Rex and our Senior Legislative Advocate Seren Taylor testified at an informational hearing for the Senate Insurance Committee, titled Wildfires and Homeowners Insurance: Availability in High Risk Communities. Testifying alongside Rex and Seren were representatives from the California Department of Insurance (CDI). While representatives from CDI tried to focus on the Insurance Commissioner’s town halls and people’s emotions regarding non-renewals, they did not have strong arguments, data, or any concrete solutions to offer.  Committee members seemed unimpressed with CDI and asked them a lot of questions focused on the lack of any meaningful statewide mitigation standards or data to support their effectiveness in reducing property damage
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2020 Election Cycle

After seeing a strong showing in the primary, PIFC staff was able to stay nimble during the pandemic. Since the Governor issued his stay-at-home order, PIFPAC could no longer host traditional fundraisers for PIFC-endorsed candidates. However, while it is important to stay home, time marches on – we will still have an election in November. PIFPAC must continue to support candidates who understand insurance and are receptive to agents’ perspectives.  

Involvement in politics is critical. PIFPAC works to get the best possible candidates to represent districts throughout California.  Our state is politically diverse, and the best candidate will vary depending on where the district is located. So PIFPAC is non-partisan, supporting
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Changing Seats

State legislative seats often end up changing more frequently than current 12 year term limits.  An open State Senate or Assembly seat generally results in trickle down changes through the political ranks in the region where the open seat is.  For example, insurance broker and PIFC supported, Ted Gaines served as California State Senator to District 1, until Mr. Gaines was elected to the State Board of Equalization.  Constituents in Senate District 1 elected Brian Dahle to the Senate Seat, vacating the Assembly District Seat he was serving in.  Assembly District 1 is a solidly Republican seat, one of the most conservative in California encompassing vast stretches of Northern California
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2020 Pro-Active Efforts

For 2020, there are several issues PIFC will be pro-actively involved in:

California Consumer Privacy Act (CCPA)
Climate Change
Mobility Economy

The issue of privacy regulation is still unresolved. Industry-supported legislation to harmonize the California Consumer Privacy Act (CCPA) with existing federal and state insurance privacy rules stalled in 2019. Before commencing another legislative effort in 2020, industry will have an opportunity to participate in the Attorney General’s (AG) CCPA rulemaking that should commence in fall, 2019. At the PIFC Planning Retreat, representatives of both the California Department of Insurance (CDI) and the AG’s offices will be present to discuss next steps. PIFC will actively engage with the AG and CDI on regulation development
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2020 Political Goals

On the political front, PIFC is preparing for the 2020 election cycle. It comes early next year; the Legislature moved the primary to March, 2020 in order to position California to impact the presidential election. This means early candidate interviews and early funding decisions. Effective campaign activism aids in helping reasonable people get elected. If we leave elections to others, they will control election outcomes, and it is important we do not allow that to happen.

PIFPAC Board Members, staff, and member company representatives conducted several all-day candidate interview sessions in November.  PIFC staff is extraordinarily grateful for the support of, and engagement in, this process by the member companies and
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2019 Recap

Overall, this was a strong year for defensive efforts. In 2018, the insurance industry withstood over a dozen “wildfire” bill proposals focused on homeowners insurance. As expected in 2019, many legislators wished to continue skirmishing. After putting down early scares in the Assembly and Senate, the 2019 legislative session ended with some acceptable, incremental reform.

Fortunately, none of the far-reaching proposals from the Governor’s Strike Team report, the SB 901 Commission report or the Insurance Commissioner’s last-minute “wish list” of insurance reforms were enacted into law. However, with the growing number of non-renewals and the scarcity of carriers accepting new business in high-fire risk communities, we should expect challenges in 2020.
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NICB: Motorcycle Thefts Post Increase in 2016

Thefts up 2 percent from 2015

DES PLAINES, Ill., May 18, 2017 — The National Insurance Crime Bureau (NICB) today released a report on motorcycle thefts in the United States for 2016. A total of 46,467 motorcycles were reported stolen in 2016 compared with 45,555 reported stolen in 2015—an increase of 2 percent.

Although 2016 delivered another slight increase in motorcycle thefts, motorcycle thefts are down considerably since 2006. They have dropped from 66,774 in 2006 to 46,467 in 2016—a decline of 30 percent.

The top 10 states with the most reported motorcycles thefts in 2016 were California (7,506), Florida (4,482), Texas (3,692), South Carolina (2,057), North Carolina (1,847), New York (1,731), Indiana
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