Bill > ACR52

This resolution urges the California Insurance Commissioner to allow optional safe driver incentive programs for automobile insurance, addressing a unique California prohibition that prevents drivers from using modern technology to potentially lower their insurance premiums. The resolution highlights that California is currently the only state that does not permit drivers to choose insurance calculations based on safe driver incentive programs, which use real-time technology to monitor driving behaviors like speeding, hard braking, and distracted driving. The measure emphasizes potential benefits including improved driving safety, reduced traffic fatalities, more equitable insurance pricing (particularly for minorities who may face disproportionate traffic enforcement), and environmental benefits from promoting smoother driving habits. The proposed programs would be voluntary and opt-in, conforming to California Consumer Privacy Act principles, which would include protections such as the right to request information, correct data, and opt out at any time. By urging the Insurance Commissioner to take steps to make these programs available, the resolution seeks to modernize insurance rating methods beyond traditional motor vehicle records while maintaining consumer privacy and choice.

https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=202520260ACR52