In this 1998 lawsuit, Spanish Speaking Citizens’ Foundation v. Quackenbush, Public Advocates challenged a policy created by then Insurance Commissioner Chuck Quackenbush allowing insurers to base auto insurance rates primarily upon where consumers live (their zip codes), gender, and other factors rather than on their driving record, annual mileage and years of experience. The case struck down the offending policy. The policy both violated Proposition 103 which brought major insurance reform to California,  and disproportionately harmed low-income communities of color.