{"id":1062,"date":"2025-04-25T18:56:56","date_gmt":"2025-04-25T18:56:56","guid":{"rendered":"https:\/\/sites.sandiego.edu\/cpil-blog\/?p=1062"},"modified":"2025-04-25T18:56:56","modified_gmt":"2025-04-25T18:56:56","slug":"insurance-commissioner-ricardo-lara-provisionally-approves-state-farms-emergency-interim-rate-increase-request","status":"publish","type":"post","link":"https:\/\/sites.sandiego.edu\/cpil-blog\/2025\/04\/25\/insurance-commissioner-ricardo-lara-provisionally-approves-state-farms-emergency-interim-rate-increase-request\/","title":{"rendered":"Insurance Commissioner Ricardo Lara Provisionally Approves State Farm\u2019s Emergency Interim Rate Increase Request\u00a0"},"content":{"rendered":"<h3>By Lisette Cruz<\/h3>\n<p>On March 14, 2024, the California Department of Insurance (CDI or the Department) published a <a href=\"https:\/\/perma.cc\/WL57-JVH5\">news release<\/a> announcing CDI Commissioner Ricardo Lara\u2019s provisional acceptance of State Farm\u2019s request for an emergency interim rate increase. This decision follows a <a href=\"https:\/\/perma.cc\/H3TQ-24HR\">letter<\/a> sent by State Farm to Commissioner Lara expressing concerns over the company\u2019s financial deterioration driven by increased wildfire-related risks. The letter includes an urgent request for assistance in the form of an emergency interim rate approval to stabilize State Farm\u2019s operations within the California insurance market, following the insurer\u2019s earlier decisions to stop writing new policies and to non-renew existing policies within the state. State Farm called for rate increases in the following amounts: 22% for Non-Tenant Homeowners, 15% for Tenants\u2013Renters, 15% for Tenants\u2013Condominium Unit-owners, and 38% for Rental Dwelling.<\/p>\n<p>In the Department\u2019s follow-up meeting <a href=\"https:\/\/perma.cc\/5FXV-ARUR\">transcript<\/a> regarding State Farm\u2019s emergency interim rate increase request, Commissioner Lara\u2019s provisional approval aims to resolve concerns over short-term insurance market instability, ensure that California consumers have access to a variety of insurance options, and provide State Farm with additional time to prepare for a rate hearing to determine whether the insurer\u2019s request is warranted.<\/p>\n<p>Proponents for the regulation include Spencer Kook, an insurance regulatory and commercial litigation attorney at Hinshaw &amp; Culbertson LLP, who has <a href=\"https:\/\/perma.cc\/267Q-6HL3\">stated<\/a> that \u201cCalifornia is at a crucial stage as it faces insurance availability and affordability issues, and the key to addressing both is to ensure that insurers are encouraged to stay and grow their presence in the California property insurance market.\u201d Although Kook finds the emergency interim rate increase far from ideal, he views Commissioner Lara\u2019s provisional approval as an opportunity to create a time frame \u201cwithin which State Farm can get clarity on emergency interim rate relief.\u201d<\/p>\n<p>Critics, including Harvey Rosenfield, Consumer Watchdog\u2019s founder and author of Proposition 103, <u><a href=\"https:\/\/perma.cc\/PD9Z-37ET\">argue<\/a><\/u> \u201cif State Farm truly needs more revenue, it must provide full transparency into its financial practices\u2013including its reinsurance deals and surplus depletion\u2013before any rate increase is considered.\u201d Additionally, Will Pletcher of Consumer Watchdog contends that if the Department were to grant an emergency rate increase, it would set a dangerous precedent to allow insurers to manufacture financial crises to evade Proposition 103\u2019s consumer protection laws. Ultimately, Pletcher asserts that State Farm\u2019s request violates Proposition 103 and attempts to bypass consumer protections by requesting an \u201cemergency pre-approval\u201d and deferring the determination of whether the rate increase is justified until a later date.<\/p>\n<p>Passed by California voters in 1988, Proposition 103, otherwise known as the Insurance Rate Reduction and Reform Act, established a regulatory system of prior approval. This system requires insurance companies to obtain permission from the Insurance Commissioner to implement property and casualty insurance rate changes. Under <a href=\"https:\/\/perma.cc\/KW3M-C5X8\">Proposition 103<\/a>, insurance companies are precluded from charging consumers excessive, unjustified, and arbitrary rates. Every insurer that desires to change any rate is required to justify all future increases by submitting a rate application that discloses the insurer\u2019s financial condition.<\/p>\n<p>A public rate hearing was <a href=\"https:\/\/perma.cc\/PMV9-7A4R\">scheduled<\/a> for April 8, 2025, at 10:00 a.m. at the Department\u2019s office in Oakland before an Administrative Law Judge for State Farm to justify its rate increase request with actuarial data.<\/p>\n<a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-facebook nolightbox\" data-provider=\"facebook\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Facebook\" href=\"https:\/\/www.facebook.com\/CPILUSD\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px;margin-right:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"Facebook\" title=\"Follow us on Facebook\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/facebook.png\" \/><\/a><a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-twitter nolightbox\" data-provider=\"twitter\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Twitter\" href=\"https:\/\/twitter.com\/cpilusd\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"twitter\" title=\"Follow us on Twitter\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/twitter.png\" \/><\/a>","protected":false},"excerpt":{"rendered":"<p>By Lisette Cruz On March 14, 2024, the California Department of Insurance (CDI or the Department) published a news release announcing CDI Commissioner Ricardo Lara\u2019s provisional acceptance of State Farm\u2019s request for an emergency interim rate increase. This decision follows <a class=\"more-link\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2025\/04\/25\/insurance-commissioner-ricardo-lara-provisionally-approves-state-farms-emergency-interim-rate-increase-request\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1013,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[132878],"tags":[138364,132877,132937,138169,138197,138363],"coauthors":[138175],"class_list":["post-1062","post","type-post","status-publish","format-standard","hentry","category-major-projects-department-of-insurance","tag-california-insurance-crisis","tag-department-of-insurance","tag-insurance","tag-proposition-103","tag-rate-increase","tag-state-farm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Commissioner Ricardo Lara Provisionally Approves State Farm\u2019s Emergency Interim Rate Increase Request\u00a0 - Consumer Protection Policy Center - Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2025\/04\/25\/insurance-commissioner-ricardo-lara-provisionally-approves-state-farms-emergency-interim-rate-increase-request\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:locale\" content=\"en_US\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:type\" content=\"article\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:title\" content=\"Insurance Commissioner Ricardo Lara Provisionally Approves State Farm\u2019s Emergency Interim Rate Increase Request\u00a0 - Consumer Protection Policy Center - Blog\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:description\" content=\"By Lisette Cruz On March 14, 2024, the California Department of Insurance (CDI or the Department) published a news release announcing CDI Commissioner Ricardo Lara\u2019s provisional acceptance of State Farm\u2019s request for an emergency interim rate increase. 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