California Supreme Court
Nov. 11, 2026
California Supreme Court to decide legality of military insurance rate disparities
The justices will consider whether USAA violated Proposition 103 by charging former enlisted servicemembers higher rates than retired officers and whether state-approved insurance rates shield insurers from consumer lawsuits.
The state Supreme Court has agreed to answer certified questions from a 9th U.S. Circuit Court of Appeals panel about whether California insurance law permits insurers of offer lower rates to higher-ranking servicemembers and whether the plaintiffs can pursue those claims.
The 9th Circuit panel also asked the state high court to resolve conflicting appellate rulings about its "filed-rate doctrine" and whether approval of rates by the insurance commissioner prevents cons...
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