![]() Subjecting good drivers without prior coverage to different terms and conditions than other drivers.Falsely representing that both lower-priced and higher-priced plans charge policy fees, when in fact only the higher-priced plan charged policy fees.Dissuading good drivers from switching to a lower-priced plan with misleading language.Offering only a monthly payment option for a higher-priced plan, which would mean customers can’t get a pay-in-full discount.Directing its agents to refuse to sell a lower-priced policy if a good driver had an accident for which they were not at fault.Directing its agents to refuse to sell a lower-priced policy if a good driver had been canceled for non-payment of premium.Directing its agents to provide quotes for higher-priced plans using artificially low mileage, giving the appearance of lower rates in order to attract customers to the more expensive plan.The department investigation found that Mercury attempted to evade the requirements of Prop 103 and illegally steer drivers to high-priced plans in a number of ways, including: ![]() Proposition 103 mandates a 20% “good driver discount” for drivers who maintain a safe driving record. The legal action came after a department investigation found Mercury was illegally steering drivers who qualify for the lowest-priced policies to higher-priced policies. Insurance Commissioner Ricardo Lara announced the legal action against Mercury on Aug. ![]() The California Department of Insurance is seeking penalties against Mercury Insurance for overcharging good drivers.
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