BILL NUMBER:  AB 1565
  VETOED	DATE: 09/30/2008




To the Members of the California State Assembly:

I am returning Assembly Bill 1565 without my signature.

Existing law provides a narrow exception to insurance law in order to
protect places of religious observance from having their property
insured cancelled due to a hate crime against the property.  This
bill would expand this law to apply to any crime committed against
the property.

While hate crimes against any property cannot be condoned in any way,
existing law provides adequate protections for places of religious
observance subject to hate crimes.   Insurance law, as governed by
the provisions of the voter-approved Proposition 103, provides that
rates shall not be excessive, inadequate or unfairly discriminatory.
  The expansion of law proposed by this measure so strictly limits
how insurers may calculate premiums it is contrary to both the
general spirit and application of Proposition 103.

For these reasons, I am returning this bill without my signature.

Sincerely,



Arnold Schwarzenegger