My insurance company just raised my rates because my credit score dropped slightly due to medical debt, and I need to know if this practice is even legal in California and how to appeal it.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My insurance company just raised my rates because my credit score dropped slightly due to medical debt, and I need to know if this practice is even legal in California and how to appeal it.
3 real searches · 1 real-search pass
California insurance company use credit score medical debt raise premium legality auto homeowners insurance California Department of InsuranceGoogle ↗
OBSERVED
California SB 1061 medical debt credit report effective January 1 2025 insurance credit score CaliforniaGoogle ↗
OBSERVED
California Department of Insurance file complaint premium increase auto insurance rating factors California Prop 103Google ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
California insurance company use credit score medical debt raise premium legality auto homeowners insurance California Department of Insurance Google ↗
California SB 1061 medical debt credit report effective January 1 2025 insurance credit score California Google ↗
California Department of Insurance file complaint premium increase auto insurance rating factors California Prop 103 Google ↗
- Credit-Based Insurance Scores · content.naic.org
- Insurance Topics | Credit-Based Insurance Scores · content.naic.org
- In California, It Remains Illegal for Medical Debt to Appear on Credit Reports: Attorney General Bonta Issues Consumer Alert | State of California - Department of Justice · oag.ca.gov
- California Civil Code § 1785.20.6 (2025) :: 2025 California Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- Bill Text: CA SB1061 | 2023-2024 | Regular Session | Amended · legiscan.com
- AnnualCreditReport.com · annualcreditreport.com
- Consumer complaint and assistance · insurance.ca.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California insurance company use credit score medical debt raise premium legality auto homeowners insurance California Department of Insurance OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
California SB 1061 medical debt credit report effective January 1 2025 insurance credit score California OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
California Department of Insurance file complaint premium increase auto insurance rating factors California Prop 103 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |