How do insurance companies in California use credit scores right now given recent state regulations on rating factors?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do insurance companies in California use credit scores right now given recent state regulations on rating factors?
2 real searches · 1 real-search pass
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
California Department of Insurance credit score use auto homeowners insurance rating factors current 2026 regulations Google ↗
California insurance credit score prohibited auto home insurance law Proposition 103 insurance score Google ↗
- Insurance Topics | Credit-Based Insurance Scores · content.naic.org
- Credit-Based Insurance Scores · content.naic.org
- California Insurance Code § 1861.02 (2025) :: 2025 California Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- California Code of Regulations, Article 3, Section 2632.5 - Rating Factors | California Code of Regulations · regulations.justia.com
- View Document · govt.westlaw.com
- In a California “first,” Commissioner Lara announces enforcement of regulation to expand insurance coverage across state · insurance.ca.gov
- Reform made real — California Department of Insurance completes final evaluation of innovative forward-looking model to address California’s coverage crisis · insurance.ca.gov
- FAQ: Mitigation in rating plans and wildfire risk models regulation · insurance.ca.gov
- Commissioner Lara proposes ending use of marital status in California auto insurance rates · insurance.ca.gov
- Commissioner Lara opens insurance rate review process to unprecedented transparency · insurance.ca.gov
- California Department of Insurance · insurance.ca.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California Department of Insurance credit score use auto homeowners insurance rating factors current 2026 regulations OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
California insurance credit score prohibited auto home insurance law Proposition 103 insurance score OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |