Insurance,
Government
Oct. 27, 2025
Ballots, burn zones and bottom lines: How California voters have shaped the state's insurance market
California voters have long wielded influence over insurance regulation through ballot initiatives, from Proposition 103's sweeping reforms in 1988 to Proposition 213's 1996 limits on uninsured drivers' claims. This article explores the history and impact of these measures, setting the stage for the critical 2026 election.
For decades now, California voters have had a significant impact on the way the insurance market operates. State ballot initiatives have shaped everything from how rate increases are evaluated to what damages are available following an automobile accident. This influence stems in large part from California's citizen-initiated ballot measure system, a form of direct democracy that allows members of the voting public to pass laws or amend the state constitution.
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