Plain English Breakdown
The official status label says 'Passed Legislature' but also notes a hearing was canceled and executive action is missing; this creates uncertainty about whether the bill became law.
Consumer Driving Data Protection Act of 2026
This proposed law would let drivers choose to use tracking data for their car insurance rates while setting rules on how that data is collected, used, and protected.
What This Bill Does
- Allows consumers to opt in to using telematics devices or apps to help determine their driving record for insurance purposes.
- Limits the use of telematics data so it can only be used to set rates for private passenger car insurance.
- Requires insurers to submit specific details about their telematics programs when they apply for new insurance rates.
- Prohibits insurers from making discounts available only if a driver joins a telematics program, unless the state commissioner approves that discount.
- Sets rules requiring drivers to give consent and protecting privacy before companies collect or use driving data.
- Gives the state commissioner power to punish violations with fines or by stopping an insurer's telematics program.
Who It Names or Affects
- Car insurance customers who may choose to share their driving data for lower rates.
- Insurance companies that offer private passenger automobile policies and use tracking technology.
- The state commissioner of insurance, who oversees the new rules and penalties.
Terms To Know
- Telematics
- Technology used to establish a driving record for insurance purposes.
- Connected vehicle location access
- A service that allows someone outside the car to view or track its location using GPS, internet, apps, or other wireless technology.
- Proposition 103
- An existing law from 1988 that sets rules for automobile insurance rates and allows them to be amended by the Legislature with a two-thirds vote if it furthers the act's purposes.
Limits and Unknowns
- The bill text uses 'would,' indicating these are proposed changes, not yet active law.
- The official status notes that while the bill passed both chambers and reached final enrollment, later executive action is not shown in this material.
- A hearing for the bill was canceled at the request of the author.