California Dolphin: statewide California news

What California’s ‘Nonbinary’ Gender Designation Will Cost Teen Drivers


In a little-noticed side impact of California’s 2018 law granting drivers the option of listing their gender as nonbinary , California’s Department of Insurance has decreed that auto insurance companies can no longer grant breaks in insurance rates to teen drivers who are female or charge young men more. Outgoing Insurance Commissioner Dave Jones, in one of his final acts in office, issued a regulation last month prohibiting the use of gender in automobile insurance rating, similar to regulations in six other states. Jones’ replacement, Insurance Commissioner Ricardo Lara, supports that policy, saying in a statement: “Gender, race, ethnicity or sexual orientation are beyond your control, and it is not a fair or even an effective way to predict risk.” Jones’ regulatory action received coverage in The New York Times and elsewhere. But the genesis of Jones’ decision received far less attention—and had nothing to do with car insurance. It was, at least in part, legislation by Senate President Pro Tem Toni Atkins granting motorists the option of listing their gender as male, female or nonbinary. As the bill wended its way through the Legislature, Atkins and other backers said it would be a blow for equality. “Mindful of all the people I know who are gender-nonconforming, and the families I know with transgender children, I wanted to make sure that California continued to be a leader in gender-identity equality,” Atkins said after Gov. Jerry Brown signed it into law in October . Lobbyists for insurance companies had been neutral on the bill, having received assurances that it would have no impact on auto insurance rates. Rex Frazier, president of the Personal Insurance Federation of California, which represents several major auto insurance companies, said insurers were blindsided by Jones’ justification for the regulation, pointing out that none of the 10 legislative analyses of the Atkins bill made any mention of the bill’s impact on insurance rates. “It is commonly understood that teenage male drivers are generally a higher risk than teenage female drivers,” Frazier said in a letter to the Department of Insurance. “Eliminating gender rating would require female teenage drivers to subsidize teenage male drivers.” Frazier said the gender of teen drivers can result in an additional cost for boys or discount for girls of about 6 percent on their premiums. Drivers…

Top News

Ain't No God; don't even think about theism

UnFox News: not a propaganda arm of the Republican party