Freeze the rates when you file a claim

Your policy shouldn’t punish you for using it. Jane will pursue legislation to prohibit insurers from raising your premiums, dropping coverage, or refusing renewal for filing a claim, inquiring about a claim, or experiencing a no-fault loss. And when insurers have a pattern of retaliation for filing valid no-fault claims, they should be investigated.

Penalize delays to speed up payments

Insurance only works if claims get paid, and too often homeowners face excruciating delays for valid claims. Time is money, and those delays should come with a cost. Jane will require companies to pay interest on delayed claims – the longer you have to wait, the more they have to pay.

Pay disaster survivors immediately

After a total loss, families deserve immediate support to replace basic necessities. Jane will require insurance companies to immediately pay out the full contents coverage for total losses after a disaster, instead of forcing survivors to itemize every sock, plate, and piece of furniture before getting help. People shouldn’t be living out of suitcases while insurers argue over paperwork.

Hold bad actors accountable

Companies that systematically underpay or deny are stealing from policyholders. Jane will launch market conduct examinations of insurers with elevated complaint rates or suspicious denial patterns, coordinate with the Attorney General on fraud referrals, and impose rate approval and license conditions on bad actors.

Create an insurer performance dashboard

Just like insurers assess the risks before covering a property, consumers should be able to assess the risks of an insurer before choosing a policy. Jane will create a public database with company-by-company claims performance data - because you deserve to make informed decisions on who you choose to be your insurer, and an easy to use tool for reviewing consumer complaints against California insurers. And in the wake of a disaster, Jane will require companies to report their number of claims filed, number of claims closed with no payment, and claims processing timeframes on a regular basis.