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State Senator Mark Mullet (D-Issaquah) is aiding a lawsuit against Washington Insurance Commissioner Mike Kreidler in the hope of lowering insurance rates for Washingtonians.

Kreidler, in March of this year, issued an that prohibits insurers from factoring in credit scores when issuing insurance rates on personal property. From Sen. Mullet鈥檚 perspective, this has led to untenable spikes in insurance rates for many. He appeared on KTTH鈥檚 Jason Rantz Show to discuss the rate increase and elaborate on his efforts to halt the emergency order.

State Insurance Commissioner prohibits insurers from using credit scores to set rates

鈥淵ou know, the average [increase] — and this is anecdotal — is about $600, but we’ve had some as low as $300 and some as high as over $2,000,鈥� Mullet said. 鈥淚t’s just been a wide range because some people, [for example] with their auto insurance, see the increase right away. But if it’s your homeowners insurance going up, sometimes you don’t see the increase until your escrow balances [are] due the following year. It just varies based on people who aren’t paying their home insurance by a mortgage or seeing the increase right away. And those are the people who end up being over $1,000 a lot of times.鈥�

Mullet described Kreidler鈥檚 efforts to decouple insurance rates from credit scores as a personal 鈥渙bsession鈥� of his 20-year tenure as the insurance commissioner.

鈥淸Kreidler] had a bill to ban insurance discounts based on credit scores this last [congressional] session,鈥� Mullet continued. 鈥淚t didn’t move out of my committee in the form that he preferred. When the bill died, he declared it a COVID emergency and just said 鈥榳e’re banning these discounts because it’s an emergency.鈥� This summer [as] people renew their insurance, everyone’s getting these giant increases in their bills [despite not having] filed a claim in decades.鈥�

He clarified that, although the state鈥檚 legislature will likely not move on any action against the emergency order, Mullet will throw his weight behind a lawsuit against the order in the form of a legal declaration.

鈥淚 spelled out in the legal declaration that none of this was ever an emergency,鈥� Mullet added. 鈥淭his was just his longstanding wish to pass this bill. And the commissioner actually went to court with a judge this month to have my declaration thrown out of the lawsuit because he felt it was [not] relevant. The judge dismissed that. When the judge hears the lawsuit next month, they are going to factor in my declaration, my testimony. It just clearly indicates that this was never an emergency related to COVID. This was just [his] private, long-time obsession.鈥�

He went on to articulate why a lawsuit was the appropriate legal action to take, from his perspective.

鈥淛ust because the insurance commissioner is a Democrat doesn’t mean you can’t go after him when he breaks the law and does an emergency rule illegally,鈥� Mullet continued. 鈥淚 think it’s almost more important for us to hold leaders accountable from our same party. We’re trying to sue the governor over some of his illegal vetoes around some of the bills this last session. I could not get people to have the same energy to go after the commissioner. That’s why I was forced to do it through the industry association.鈥�

Senator Mullet will chair a Business Financial Services Committee hearing on the emergency order Sept. 21 at 10 a.m.

鈥淚’m hoping Commissioner Kreidler shows up,鈥� Mullet said. 鈥淚 think it would be nice for him to answer questions directly now that we’ve realized the huge inconvenience his emergency order [has] caused [for] over a million people.”

Listen to the Jason Rantz Show weekday afternoons from 3 – 6 p.m. on KTTH 770 AM (or HD Radio 97.3 FM HD-Channel 3). Subscribe to the podcast here.