Bill > AB311

This bill, the Consumer Driving Data Protection Act of 2026, allows consumers to voluntarily use telematics, which is technology that collects data about driving behavior like speed and braking, to help determine their auto insurance rates, an option not previously available under Proposition 103, a 1988 voter initiative that governs insurance rates. The bill sets strict rules for how this data can be collected and used, requiring explicit consumer consent, prohibiting its use for anything other than rating auto insurance, and mandating that insurers delete the data once a rate is assigned and not keep it for longer than six months, while also preventing the collection of audio or visual recordings of vehicle occupants. Additionally, the bill reinstates and modifies provisions allowing tenants to temporarily house individuals at risk of homelessness, including those displaced by disasters, in their rental units with landlord approval, and permits landlords to adjust rent accordingly. The bill aims to modernize insurance practices, protect consumer privacy, and further the original goals of Proposition 103 by offering consumers more choices and potentially fairer rates based on their actual driving habits.