Why isn't car insurance accident forgiveness legal in California?

I can't purchase accident forgiveness through my policy in California. Why?

“California’s Proposition 103 (enacted in 1988) made it illegal for companies to charge excessive rates for car insurance.
Accident forgiveness—which is an additional coverage option that keeps your rates from increasing after your first accident in which you are at fault—falls under this proposition because you may pay an excessive rate for this benefit. “
Sophie Newman
Answered on May 24, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

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