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CA Department of Insurance

Informational Report on the CDI Intervenor Program

Addendum to Proposition 103 Recoupment Fee Assessment Report - Informational Report on The California Department of Insurance Intervenor Program

California Insurance Code (CIC) )Section 1861.10 provides for consumer participation in Department proceedings conducted pursuant to Proposition 103 (CIC Section 1861.01 et seq.). These consumer representatives (intervenors) are entitled to compensation for their reasonable advocacy fees and expenses they incur in proceedings conducted by the Department.

Intervenors generally participate in two types of proceedings - rulemaking and prior approval rate hearings. The rulemaking matters relate to the promulgation of regulations intended to implement provisions of Proposition 103. The prior approval rate hearings concern rate applications by specific insurance companies.


View Intervenor Compensation for year:


Intervenor Compensation 2014 | PDF Version of Chart

Insurer 
(prior approval rate matter unless otherwise noted)
File No. Intervenor Total Compensation Awarded to Intervenor (paid by insurer unless otherwise noted) Compensation Aawarded to Intervenor for In-House Costs Compensation Awarded to Intervenor for Outside / Independent Expert Witness(es) Costs Compensation Award Date (or Date Matter was Closed) Avg. Rate Requested / Avg. Rate Approved
Farmers Insurance Exchange, Mid-Century Insurance Company, and Truck Insurance Exchange IP-2012-00015 (PA-2012-00011) Consumer Watchdog $44,296.00 $13,720.00 $30,576.00 February 4, 2014 +6.9% / +3.2%
California Automobile Assigned Risk Plan (REGULATORY ACTION SETTING RATES FOR 'CAARP') IP-2012-00014 (REG-2012-00023) Consumer Watchdog $21,500.50 (PAID BY 'CAARP') $6,622.50 $14,878.00 April 29, 2014 +6.7% / -2.8%
GEICO Indemnity Company, GEICO General Insurance Company, and Government Employees Insurance Company IP-2013-00002 (PA-2013-00002) Consumer Watchdog $54,046.00 $12,247.50 $41,798.50 May 6, 2014 +2.21 / +1.08%
Mercury Casualty Company IP-2013-00005 (PA-2013-00004) National Asian American Coalition $47,844.00 $32,744.00 $15,100.00 May 21, 2014 +12.3% / +8.26%
Mercury Casualty Company IP-2013-00006 (PA-2013-00004) Consumer Watchdog $269,242.18 $179,488.18 $89,754.00 May 21, 2014 +12.3% / +8.26%
Farmers Insurance Exchange, Fire Insurance Exchange, Mid-Century Insurance Company IP-2013-00012 (PA-2013-00011) Consumer Federation of California $46,468.75 $21,153.00 $25,315.75 May 28, 2014 +6.9% / +3.8%
Allstate Insurance Company, Allstate Indemnity Company, and Northbrook Indemnity Company IP-2013-00003 (PA-2013-00003) Consumer Watchdog $269,242.14 $183,326.14 $85,916.00 August 21, 2014 +6.11% / -0.2%
State Farm General Insurance Company IP-2013-00014 (PA-2013-00012) Consumer Watchdog $60,251.46 $19,123.96 $41,127.50 October 28, 2014 +6.9% / -1.2%
State Farm General Insurance Company IP-2013-00013 (PA-2013-00012) Consumer Federation of California $36,056.67 $12,400.75 $23,655.92 October 28, 2014 +6.9% / -1.2%

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Intervenor Compensation 2013 | PDF Version of Chart

Insurer 
(prior approval rate matter unless otherwise noted)
File No. Intervenor Total Compensation Awarded to Intervenor (paid by insurer unless otherwise noted) Compensation Aawarded to Intervenor for In-House Costs Compensation Awarded to Intervenor for Outside / Independent Expert Witness(es) Costs Compensation Award Date (or Date Matter was Closed) Avg. Rate Requested / Avg. Rate Approved
The Doctors Company, and Interinsurance Exchange Company IP-2011-00006 (PA-2011-00006) Consumer Watchdog $53,175.75 $13,408.75 $39,767.00 January 2, 2013 -7.31% / -10%
Infinity Insurance Company IP-2011-00014 (PA-2011-00014) Consumer Watchdog $30,708.00 $12,370.00 $18,338.00 January 2, 2013 +6.9% / +2.98%
Allstate Insurance Company, Allstate Property and Casualty Company IP-2011-00013, IP-2011-00011 (PA-2011-00013, PA-2011-00011) Consumer Watchdog $140,912.50 $64,467.50 $76,445.00 March 21, 2013 +6.8% / +0.67%
Chartis Property Casualty Company IP-2011-00015 (PA-2011-00015) Consumer Watchdog $44,385.00 $26,437.50 $17,947.50 March 21, 2013 -1.19% / -15%
Mercury Casualty Company, California Auto. Insurance Co., Mercury Insurance Company IP-2011-00016 (PA-2011-00016) Consumer Watchdog $43,780.00 $20,345.00 $23,435.00 March 21, 2013 +6% / +3.56% and +4.27%
Federal Insurance Company, Pacific Indemnity Company, and Vigilant Insurance Company IP-2012-00002 (PA-2012-00002) Consumer Watchdog $41,851.25 $22,272.50 $19,578.75 April 9, 2013 -5% / -15.46%
The Standard Fire Insurance Company and Travelers Casualty Insurance Company IP-2010-00010 (PA-2010-00010) Consumer Watchdog $109,858.50 $40,937.50 $68,921.00 July 24, 2013 +6.9% / -6.22%, -8.10%, +5%, -6.71% and +4.91%
CSAA IP-2010-00014 (PA-2010-00014) Consumer Watchdog $432,489.47 $200,288.43 $232,201.04 August 14, 2013 +3% / -9.3%
State Farm Mutual Insurance Company IP-2012-00006 (PA-2012-00006) Consumer Watchdog $44,338.00 $18,782.50 $25,555.50 September 23, 2013 +6.99% / +4.5%
California General Underwriters Insurance Company IP-2011-00017 (PA-2011-00017) Consumer Watchdog $65,007.50 $65,007.50 $0.00 September 23, 2013 *n/a, class plan application
Mercury Casualty Company IP-2009-00009 (PA-2009-00009) Consumer Watchdog $1,068,704.00 $364,616.46 $704,087.54 October 29, 2013 +8.8% / -5.4%
State Farm General Insurance Company IP-2011-00010 (PA-2011-00010) Consumer Watchdog $110,510.00 $62,372.50 $48,137.50 December 12, 2013 0% / -12.6%
Interinsurance Exchange of the Auto Club IP-2012-00012 (PA-2012-00012) Consumer Watchdog $43,010.00 $19,437.50 $23,572.50 December 17, 2013 0% / -4.1%
Coast National Insurance Company IP-2012-00010 (PA-2012-00010) Consumer Watchdog $60,045.50 $32,720.00 $27,325.50 December 20, 2013 +6.99% / +4.5%
Progressive West Insurance Company IP-2012-00011 (PA-2012-00011) Consumer Watchdog $42,847.50 $13,585.00 $29,262.50 December 27, 2013 +6.9% / +5.9%

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Intervenor Compensation 2012

Date Insurer Intervenor Paid by Insurer Paid by CDI Prop. 103 Fund Matter Type
1/31/2012 Encompass Insurance Company
IP-2010-00003
PA-2010-00003
Rate App. # 10-3106

CW

$32,302.00 $0.00 (rate) prior approval
2/6/2012 Liberty Fire Insurance Company
IP-2008-00042
PA-2008-00036
Rate App. # 08-11503, 08-11514, 08-11532, 08-11542, 08-11578, 10-4884

CW

$97,598.00 $0.00 (rate) prior approval
2/17/2012 Inter-Insurance Exchange of the Automobile Club
IP-2010-00007
PA-2010-00007
Rate App. # 10-4389

CW

$57,445.00 $0.00 (rate) prior approval
3/23/2012 Farmers Insurance Exchange, Truck Insurance Exchange and Mid-Century Insurance Company
IP-2008-00033, IP-2010-00011
PA-2008-00032, PA-2010-00011
Rate App. # 08-11587, 08-11589, 08-11592, 08-11593, 08-11595, 08-11596, 10-5218

CW

$103,039.50 $0.00 (rate) prior approval
3/30/2012 Safeco Insurance Company of America, Safeco Insurance Company of Illinois, First National Insurance Company of America
IP-2010-00001
PA-2010-00001
Rate App. # 09-9609, 09-9610, 09-9611

CW

$50,969.50 $0.00 (rate) prior approval
5/29/2012 California Automobile Insurance Company, Mercury Casualty Insurance Company, Mercury Insurance Company
IP-2008-00044
PA-2008-00037
Rate App. # 08-13072, 08 13076, 08-13081

CW

$78,304.50 $0.00 (rate) prior approval
5/30/2012 Garrison Property and Casualty Insurance Company, United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Co.
IP-2010-00009
PA-2010-00008
Rate App. # 10-4950, 10-4951, 10-4952, 10-4954, 10-4955, 10-4956, 10-5496, 10-5544

CW

$66,800.50 $0.00 (rate) prior approval
6/21/2012 Principally At Fault Regulations
IP-2012-00001, IP-2009-00010
RH05042805
REG-2010-00011
OV-2011-00084

CW

$0.00 $66,672.50 rulemaking/regulations
11/16/2012 American Automobile Insurance Company, Associated Indemnity Corporation, Fireman's Fund Insurance Company, National Surety Corporation, The American Insurance Company
IP-2011-00005
PA-2011-00005
Rate App. # 11-5170, 11-5172, 11-5173, 11-5174

CW

$27,725.00 $0.00 (rate) prior approval
11/16/2012 GEICO General Insurance Company, GEICO Indemnity Company, Government Employees Insurance Company
IP-2010-00013
PA-2010-00013
Rate App. # 10-7134, 10-7135, 10-7136, 10-7152, 10-7153, 10-7154, 10-7188, 10-7189, 10-7190, 10-7192, 10-7193, 10-7194, 10-7225, 10-7226, 10-7227

CW

$106,591.00 $0.00 (rate) prior approval
11/19/2012 Progressive Advanced Insurance Company, Progressive West Insurance Company
IP-2011-00009
PA-2011-00009
Rate App. # 11-5808, 11-5823, 11-5825, 11-5826, 11-5827

CW

$45,484.50 $0.00 (rate) prior approval
11/20/2012 NORCAL Mutual Insurance Company
IP-2011-00007
PA-2011-00007
Rate App. # 11-5669

CW

$18,529.50 $0.00 (rate) prior approval
12/10/2012 Coast National Insurance Company
IP -2011-00004
PA-2011-00004
Rate App. # 11-4948

CW

$57,259.50 $0.00 (rate) prior approval
12/21/2012 The Medical Protective Company
IP-2011-00008
PA-2011-00008
Rate App. # 5758

CW

$37,764.25 $0.00 (rate) prior approval

2012 Total

$779,812.75

$66,672.50

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Intervenor Compensation 2011

Date Insurer Intervenor Paid by Insurer Paid by CDI Prop. 103 Fund Matter Type
5/13/2011 Rulemaking -
Procedure for Noncompliance Hearings

CW

$0.00 $10,825.01 rulemaking/regulations
6/8/2011 State Farm(Auto/PAYD)
PA-2010-00005
IP-2010-00005

CW

$83,157.00 $0.00 (rate) prior approval
9/28/2011 Hartford (Auto)
IP-2009-00020
PA-2009-00020

CW

$59,350.50 $0.00 (rate) prior approval
9/28/2011 Allied (HO)
IP-2009-00007
PA-2009-00007

CW

$30,427.50 $0.00 (rate) prior approval
10/19/2011 American Modern Home (HO)
IP-2009-00012
PA-2009-00012

CW

$29,327.50 $0.00 (rate) prior approval
10/21/2011 Allstate (Auto)
IP-2008-00045
PA-2008-00038

CW

$646,931.78 $0.00 (rate) prior approval

2011 Total

$849,194.28

$10,825.01


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Intervenor Compensation 2010

Date Insurer Intervenor Paid by Insurer Paid by CDI Prop. 103 Fund Matter Type
1/7/2010 Topa (Auto)
PA-2008-00018
IP-2008-00021

CW

$41,885.00 $0.00 (rate) prior approval
4/9/2010 Fireman's Fund (EQ)
IP-2007-00002
PA-2007-00019

FTCR

$620,996.60 $0.00 (rate) prior approval
6/30/2010 Pay As You Drive Regulations

CW

$0.00 $162,096.09 rulemaking/regulations
9/13/2010 State Farm (Auto) (Corrected)
PA-2008-00021
IP-2008-00017

CW

$78,581.00 $0.00 (rate) prior approval
9/10/2010 Progressive Choice(Auto)
PA-2008-00020
IP-2008-00022

CW

$39,283.00 $0.00 (rate) prior approval
12/10/10 Mid-Century (Auto)
PA-2008-00031
IP-2008-00032

CW

$38,935.00 $0.00 (rate) prior approval

2010 Total

$819,680.60

$162,096.09

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Intervenor Compensation 2009

Date Insurer Intervenor Paid by Insurer Paid by CDI Prop. 103 Fund Matter Type
1/8/2009 Allstate (Homeowners)
PA-2006-00006
IC-2007-00003
FTCR $625,905.29 $0.00 (rate) prior approval
1/8/2009 Allstate (Auto)
PA-2007-00004
IP-2008-00013
FTCR $732,891.10 $0.00 (rate) prior approval
4/6/2009 Fireman's Fund(Homeowners)
PA-2007-00017
IP-2007-00001
FTCR $112,969.68 $0.00 (rate) prior approval
9/15/2009 GeoVera (Earthquake)
PA-2007-00008
IP-2008-00014
FTCR $471,064.16 $0.00 (rate) prior approval
11/16/2009 Explorer (Auto)
PA-2007-00013
IP-2007-00006
FTCR $504,295.27 $0.00 (rate) prior approval

2009 Total

$2,447,125.50

$0.00

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Intervenor Compensation 2008

Intervenor Matter Type Award Payment Source Comments
FTCR Rate/OSC $26,235.00 Safeco Safeco Homeowners
PA 06 09 3080, IC-2007-00009
March 27, 2008
FTCR Rate/OSC $5,281.55 Prop. 103 Fund Safeco Homeowners
PA 06 09 3080, IC-2007-00009
March 27, 2008
FTCR Rate/OSC $35,643.75 State Farm State Farm Homeowners
PA 06 09 3080, PA06 09 2759, PA-2006-00016, IC-2007-00024
March 28. 2008
FTCR Rate/OSC $8,899.49 Prop. 103 Fund State Farm Homeowners
PA 06 09 3080, PA06 09 2759, PA-2006-00016, IC-2007-00024
March 28. 2008
FTCR Rate/OSC $7,886.25 Fire Insurance Exchange Fire Insurance Exchange
PA 06 09 3080, IC-2007-00014
March 28, 2008
FTCR Rate/OSC $16,140.05 Prop. 103 Fund Fire Insurance Exchange
PA 06 09 3080, IC-2007-00014
March 28, 2008

FTCR

NC

$631,257.05

Prop 103 Fund

Farmers Homeowners NC03029253
September 29, 2008

2008 Total

$731,343.14

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Intervenor Compensation 2007

Intervenor Matter Type Award Source Comments

FTCR

PA

$536,907.81

Company

Safeco (PA 04 04 1210)

CU

Rule

$19,071.72

Prop 103

Auto Rating Factors [Factor Weights] RH 03 02 9826

FTCR

Rule

$34,271.50

CAARP

Notice of Action and Public Hearing re 2006
Low Cost Auto Rate Recommendation, RH 05 05 0092

Metz

Rule

$16,958.55

Prop 103

Rules of Practice and Procedure for Proceedings and
Intervention, RH 06 09 2874

Bernstein

Rule

$12,282.55

Prop 103

Auto Rating Factors [Factor Weights] RH 03 02 9826

FTCR

PA

$187,650.00

Company

American Automobile Ins Co., The American IC,
Associated Indemnity Co., Fireman's Fund IC &
National Surety Co., PA 2007-00017

FTCR

Rule

$37,194.71

Prop 103

Rules of Practice and Procedure for Proceedings and
Intervention, RH 06 09 2874

FTCR

Rule

$163,743.70

Prop 103

Proposed Amendments to CCR 2642.4 et seq.,
[Rate Approval Regulations], RH 05 04 2749

FTCR

Rule

$32,382.49

Prop 103

Proposed Amendments to CCR 2642.4 et seq.,
[Auto Rating Factors: Mileage Verification], RH 06 0

FTCR, CU, PA

Writ

$347,371.80

AIA, ACIC
(Insurer Groups)

AIA, ACIC v. Garamendi (Auto Rating Factors)

2007 Total

$1,387,834.83


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Intervenor Compensation 2006

Intervenor Matter Type Award Source Comments
CFB

Rule

$190,123.12

Prop 103

Territorial Rating, Phase I

CU, SCLC, NCLR

Rule

$437,084.24

Prop 103

Territorial Rating, Phase I

GI

Rule

$40,562.00

Prop 103

Territorial Rating, Phase I

FTCR

PA

$28,919.50

Company

Farmers

FTCR

PA

$46,779.69

Company

Medical Protective IC

FTCR

PA

$77,400.32

Company

American Casualty IC

FTCR

Rule

$183,360.90

Prop 103

Territorial Rating, Phase I

PA

Rule

$158,560.23

Prop 103

Territorial Rating, Phase I

CU,SCLC, NCLR

Writ

$423,162.35

Prop 103

USAA/Farmers v. Garamendi

CFB

Rule

$178,246.85

Prop 103

Territorial Rating, Phase II & RM, RH 03 02 9826

CU

Rule

$319,318.65

Prop 103

Territorial Rating, Phase II & RM, RH 03 02 9826

PA

Rule

$13,437.78

Prop 103

Territorial Rating, Phase II & RM, RH 03 02 9826

FTCR

Rule

$298,190.03

Prop 103

Territorial Rating, Phase II & RM

FTCR

PA

$31,148.70

Company

CAARP

FTCR

PA

$22,971.25

Company

Cal Casualty

FTCR

PA

$24,355.00

Company

Doctors

FTCR

PA

$37,215.50

Company

Safeco

FTCR

PA

$11,323.75

Company

National Union

2006 Total

$2,522,159.86

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Intervenor Compensation 2005

Intervenor Matter Type Award Source Comments

GI

PA

$11,323.50

Company

California State Automobile Association

SCLC

Rule

$79,776.72

Prop 103

Slavery Era Insurance Policies, RH-395

FTCR

Rule

$12,029.15

Prop 103

RH 01 01 8834, Weighting Methodology ARFs

SCLS, CRC,
CU, & FB

Rule

$42,217.75

Prop 103

CRUC Regs, RH 01 01 7313

CU, SCLC

Writ

$714,994.01

Prop 103

State Farm v. Garamendi (Appellate Portion)

CU, SCLC

Writ

$54,701.50

Prop 103

State Farm v. Garamendi (Appellate Fees Portion)

2005 Total

$915,042.63

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Intervenor Compensation 2004

Intervenor Matter Type Award Source Comments
CU

RH

$57,218.06

Prop 103

Credit Property & Credit Unemployment Ins.
Regs, RH-386

NCLR & SCLC

RH

$151,913.66

CARRP

CAARP

FTCR

PA

$351,186.56

Company

CAARP

FTCR

PA

$34,615.05

Company

SCPIE II

FTCR

PA

$145,757.37

Company

Medical Protective Co.

2004 Total

$740,690.70

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Intervenor Compensation 2003

Intervenor Matter Type Award Source Comments

EEF

Rule

$35,135.00

CAARP

Commercial Auto Ins. Procedure Regs, RH-393

FTCR

Rule

$44,605.64

Prop 103

Persistency Rulemaking, RH-402

FTCR

Rule

$18,894.70

CAARP

Low Cost Automobile Ins. Program,
RH 03 02 6431 & RH 03 02 6432

FTCR

Rule

$4,698.21

Prop 103

Accident Record Verification Regs, RH 01 01 5532

GI

Rule

$7,053.00

Prop 103

Persistency Rulemaking, RH-402

CU & SCLC

Rule

$71,422.03

Prop 103

Persistency Rulemaking, RH-402

CU

Rule

$3,709.75

CAARP

Low Cost Automobile Ins. Program,
RH 03 02 6431 & RH 03 02 6432

SCLC

Writ

$276,340.46

Prop 103

State Farm v. Birnbaum

FTCR

Rule

$18,894.70

CAARP

Low Cost Automobile Ins. Program,
RH 03 02 6431 & RH 03 02 6432

2003 Total

$480,753.49

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Legend

Bernstein Robert O. Bernstein
CFB California Farm Bureau
CRC California Reinvestment Committee (represented by Public Advocates)
CU Consumers' Union
CW Consumer Watchdog (Formerly FTCR)
EEF Economic Empowerment Foundation
FB Family Bridges (represented by Public Advocates)
FTCR Foundation for Taxpayer and Consumer Rights (currently Consumer Watchdog)
GI The Greenlining Institute
JM John Metz
Metz John Metz
NC Noncompliance
NCLR National Council of La Raza (represented by Public Advocates)
OSC Order to Show Cause
PA Public Advocates
PA Prior approval of insurance rates
Prop. 103 Fund Department of Insurance budget fund specified for payments to intervenors
RB Rollback Liability Matter
Rate Prior Approval of insurance rates
Reg. Regulations matter
Rule Rulemaking - regulations matter
SCLC Sourthern Christian Leadership Conference (represented by Public Advocates)
Writ Appellate review of administrative decision

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Proposition 103 Consumer Intervenor Process

Proposition 103 Recoupment

Bulletins & Notices

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