Requires insurer to pay benefits regardless of who is at fault in most motor vehicle accidents. Suit against another driver prohibited unless specified crime or hazard proven. Requires at least $50,000 and up to $1,000,000 vehicle-owner insurance for personal injury protection; optional coverage to $5,000,000. Minimum coverage permitted with waiver of full benefits. Generally covers vehicle occupants, pedestrians, bicyclists. Requires insurance benefits for medical and rehabilitation costs, wage loss, replacement services, and death. Supplemental optional coverage available. Generally requires benefit payment within 30 days or mandates arbitration. Incorporates health care fee limits. Summary of Legislative Analyst's Estimate of Net State and Local Government Fiscal Impact: State and local government savings in health care and other expenditures potentially over $100 million annually. State and local government loss in motor vehicle registration and insurance tax revenues in the tens of millions of dollars annually, potentially exceeding $100 million annually. State costs to implement the measure of about $15 million (one-time), with administrative costs of about $10 million annually thereafter. The measure's fiscal effect would vary by governmental entity. The net fiscal impact on the public sector as a whole is unknown.
Popular Vote Results
Y: 2002767; A: 34.79; N: 3754414; B: 65.21
Jennifer Frank, Director, Voter Revolt to Cut Insurance Rates; Andrew Tobias, Winner, Consumer Federation of America Media Service Award; Jim Conran, Executive Director, Consumers First
Wendell Phillips, President, California Council of Police and Sheriffs (Cal-Cops)
Rebuttal Against Author
M. J. Hannigan, Former Commissioner, California Highway Patrol
No-Fault Motor Vehicle Insurance. Initiative Statute. California Proposition 200 (1996).