You just watched what happened to Rafa, a Fresno science teacher and robotics coach. He signed 22 pages on a tablet in 40 seconds, and page fourteen took away his jury. The night before regionals, a driver ran a red light and folded his minivan. His own insurer, First Acceptance (allegedly), offered $3,150 for a van listing at $9,400, took $275 off for the robotics stickers, and kept his claim "under review" for 97 days. California law then gave him 10 walls to climb just to fight back. California got 1 thing right out of 11. That's a failing grade. Sign now and tell California's leaders: stop protecting insurance companies and start protecting drivers.

Here is what any California driver faces when an insurance company cheats them:

1. A tap on a tablet counts as your electronic signature if it was your act, even when 22 pages fly by in 40 seconds.
2. California courts say you're bound by clear policy terms even if you didn't read them or understand them.
3. You can't go straight to the other driver's insurer. You have to sue the driver first and win.
4. Stalling a claim that's clearly owed breaks California's fair-claims rules, but since 1988 you're not allowed to sue over those rules. You can file a complaint and wait.
5. Money you pay voluntarily, knowing the facts, generally can't be recovered.
6. Keeping the benefit of a policy once you know about a problem can count as approving it.
7. Turn down a settlement offer and win less later, and you lose your own later costs and pay theirs, sometimes even their expert.
8. A written agreement to arbitrate is valid, enforceable, and irrevocable. No jury.
9. You get two years to sue for bad faith as a tort, and every month of "still under review" spends that clock.
10. To win punitive damages you need clear and convincing proof of malice, oppression, or fraud, and against a company you have to show a boss approved it.

The one thing California got right: you can sue your own insurer for bad faith, lawyer fees you're forced to pay can count as damages, and punitive damages have no dollar cap. The catch: a genuine dispute over coverage or the amount lets the company off. One out of eleven.

WHAT WE ASK:
We ask Gov. Newsom, AG Bonta, Commissioner Lara and the Legislature to:
1. Pass a bill that lets drivers sue when insurers break California's fair-claims rules.
2. Require a real copy of every policy, with any arbitration clause flagged on the first page, before an electronic signature counts.
3. Ban forced arbitration clauses in auto insurance policies.
4. Stop the clock on bad-faith claims while an insurer keeps a claim "under review."
5. End the settlement-offer trap for everyday drivers.
6. Let drivers recover premiums paid on a policy the insurer failed to honor, without being told they agreed to it.
7. Hold companies responsible for punitive damages when their agents and adjusters follow company practice.

Rafa isn't real. These California laws are VERY real.

California drivers are required by law to carry insurance. California law should protect them when that insurance doesn't pay.

Sign this petition, then call your lawmakers: every California lawmaker's number is free at the link in bio (https://linktr.ee/thepeoplehavespoken1