California Has Banned Insurance for Car Drivers

As everyone (apparently except the California Insurance Commission members) knows, insurance is the transfer of risk and fiscal responsibility for its realization from one party to another for an agreed fee that’s commensurate with the risk and expected cost being transferred.  The California Insurance Commission has eliminated that for California drivers, mandating that driving coverage be provided independently of the risk transferred.

California has banned auto insurance companies from considering gender when setting insurance rates for private passenger cars.
The Gender Non-Discrimination in Automobile Insurance Rating Regulation went into effect on Jan 1, 2019.

Never mind that men and women drive differently and represent different risks while driving.  This move makes differing risk irrelevant, and so it cancels the risk aspect of coverage for events occurring while driving.

Commissioner Dave Jones claims that the move will

ensure that auto insurance rates are based on factors within a driver’s control, rather than personal characteristics over which drivers have no control.

He’s being disingenuous or ignorant.  Again: what was being insured was actual driving performance, not gender.  That that performance is measurably different between women and men has been actuarially understood for decades.

One outcome of the Commission’s move will be to drive up coverage rates for women—who had enjoyed lower rates because they are lower risks, safer drivers.

A Judge’s Error

The Trump administration had expanded rules allowing employers to opt out of being required to provide birth control coverage to their employees at no cost to the employees, so long as the opting out was convincingly based on religious or moral grounds.  Federal District Judge Haywood Gilliam of the Northern District of California has issued an injunction blocking enforcement of the expansion while an underlying lawsuit against the expansion is underway.

Ordinarily, blocking an enforcement while the underlying case proceeds is no big deal, but this one is just plain wrong.  Gilliam based his ruling in significant part on the premise that

the [expansion] would result in a “substantial number” of women losing birth control coverage, which would be a “massive policy shift.”

For one thing, given how cheap birth control drugs and devices are and how easily obtained prescriptions for them are, it’s not at all clear that a “substantial number” of women would be unable to obtain birth control drugs or devices.

But the larger, vastly more important matter is this.  As Gilliam himself noted, the expansion would be a policy shift (massive or not, that’s irrelevant here).  Policy matters are political matters, and so they clearly are outside the purview of the courts.  Policy—political—matters are the exclusive province of the political arms of our government and of We the People.  A judge who intrudes, from his bench, into political matters clearly violates his oath to uphold the law.  Making policy has no place in his oath.

Dismantling Great Britain

The EU is pressing its effort to punish Great Britain for the latter’s effrontery in leaving the EU.

German Foreign Minister Heiko Maas has reiterated that the EU finds a hard border between Ireland and Northern Ireland “unacceptable.” He warned of “serious damage” in the event of a no deal scenario.

Because the EU wants to split Northern Ireland away from Great Britain.

No threat there.

Democrat Obstructionism

Extending their perpetuation of the existing partial government shutdown, now the Progressive-Democrats won’t even allow the Senate to function.

Senate Democrats on Tuesday blocked the chamber from considering bipartisan foreign-policy legislation in a bid to pressure Republicans to reopen the government….

This is of a piece with their “rebuttal” of President Donald Trump’s Oval Office speech calling for negotiations on a border wall and border security generally, wherein the Progressive-Democrats reiterated their refusal to negotiate at all, and they denied the facts presented regarding our border situation while cynically declining to present their own facts.

And their Wimpy-esque promise to gladly negotiate the wall later for a government opening today?  Trump tweeted of Wednesday’s abbreviated meeting with Progressive-Democrat and Republican leaders,

I asked what is going to happen in 30 days if I quickly open things up, are you going to approve Border Security which includes a Wall or Steel Barrier? Nancy said, NO.

So much for the believability of Progressive-Democrat commitments.

Remember this in the coming election season.

Political Power

Here come the Progressive-Democrats, and they’ve made their priorities clear in the House with the first things they want to get done.  Here’s some of what’s in their HR1:

  • “campaign-finance reform”—requires some advocacy groups to publicly disclose the names of donors who give more than $10,000, even if the groups aren’t running ads that endorse candidates but merely inform voters about the issues. Except when rich folks like Tom Steyer or Mike Bloomberg are spending on Progressive-Democrats.  Those names aren’t required to be exposed.
  • provisions from the Honest Ads Act—just regulates online political ads the same as broadcast television. Regulation: name those donors, again. Never mind that even nefarious ads intended to “influence” the 2016 elections accounted for all of 0.01%—that’s 1 in 10,000—of all the online ads in that cycle.
  • expanded definition of “electioneering communications” to include communications targeted to any particular constituency. An online ad running only in Texas that mentions a New York politician would be “regulable.”
  • The Federal government would gain control over the means by which States run elections. Because a remote, isolated central government, especially one run by Progressive-Democrats, Knows Better than a local State government how that State should run its elections.

For Progressive-Democrats, it’s all about personal political power.  Remember this in the coming election season.