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Regulator says department blocks excessive auto and homeowners rate hikes, uses actuarial review

AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Commissioner Justin Zimmerman told senators the department has rejected over $1 billion in requested rate increases in recent years and uses a robust actuarial review process to protect consumers while balancing insurer solvency.

Senator Paul Sarlo and several committee members asked the Department of Banking and Insurance on May 1 how the agency monitors rising auto insurance costs and whether it can prevent insurers from raising rates in anticipation of higher vehicle and repair costs.

Commissioner Justin Zimmerman said the department treats rate review as a consumer-protection function and requires carriers to justify…

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