The California Assembly Insurance Committee is considering a bill today that the Association of California Insurance Companies (ACIC) says would prevent the Department of Insurance from altering auto insurance rating factors without first studying the rates and risk of loss. According to ACIC, AB 2840 would prevent the Department of Insurance from altering auto insurance rating factors without first confirming, through an objective study, that the changes preserve the relationship between rates and the risk of loss. The study also would assure that regulatory changes do not result in arbitrary or unfairly discriminatory rates.