BILL NUMBER: AB 1181	CHAPTERED  09/12/03

	CHAPTER  360
	FILED WITH SECRETARY OF STATE  SEPTEMBER 12, 2003
	APPROVED BY GOVERNOR  SEPTEMBER 11, 2003
	PASSED THE SENATE  AUGUST 27, 2003
	PASSED THE ASSEMBLY  JUNE 2, 2003
	AMENDED IN ASSEMBLY  MAY 29, 2003
	AMENDED IN ASSEMBLY  MAY 6, 2003
	AMENDED IN ASSEMBLY  APRIL 21, 2003

INTRODUCED BY   Assembly Member Ridley-Thomas

                        FEBRUARY 21, 2003

   An act to add Section 381.1 to the Insurance Code, relating to
automobile insurance.


	LEGISLATIVE COUNSEL'S DIGEST


   AB 1181, Ridley-Thomas.  Automobile insurance:  rating information
disclosures.
   Existing law requires that an insurance policy shall specify
various information.
   This bill would require that a policy of automobile insurance
contain, at policy issuance and in each renewal notice sent prior to
the renewal of the policy, a rating information disclosure regarding
the information that was applied in determining the premium that was
charged for the policy.  The bill would require that the policy
specify various information that was used as the basis for rating the
coverage, including, among other things, the traffic convictions and
the number of at fault property damage and bodily injury accidents
for each rated driver or vehicle.  It would require compliance with
these provisions by March 1, 2004.


THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS:


  SECTION 1.  Section 381.1 is added to the Insurance Code, to read:

   381.1.  (a) The information described in subdivision (b) shall be
provided to the policyholder at the time of application for, or
issuance of, a policy of automobile insurance, as defined in Section
660, and in each renewal notice sent prior to the renewal of the
policy.  However, information described in paragraphs (1) and (2) of
subdivision (b) may be provided to the policyholder separately upon
request.  The information shall not be presented as an abbreviation
or code unless a key to the abbreviations or codes used is also
included.
   (b) For each rated driver or vehicle, as applicable, the number of
incidents or other relevant data that apply to each of the following
categories:
   (1) Traffic convictions.
   (2) At-fault accidents (property damage or bodily injury).
   (3) Estimated annual mileage driven.
   (4) Years of driving experience.
   (5) Vehicle use (e.g., pleasure, commute, business).
   (6) ZIP Code of the location where the vehicle is garaged, if
different from the mailing address of the policyholder.
   (7) Driver-related discounts applied.
   (8) Vehicle-related discounts or surcharges applied.
   (c) The disclosure of information required by this section may
contain additional provisions that are not in conflict with, or
derogation of, these provisions.
   (d) Each insurer shall comply with this section no later than
March 1, 2004.