How Prop 103 Changed Rebate Restrictions for Bail Premiums

It seems that some confusion still exists when it comes to understanding rebates on bail premiums.  I would like to demystify the rebate debate with the following outline:

In November 1988, voters passed Proposition 103, also known as the Insurance Rate Reduction and Reform Act, in an outcry to circumvent skyrocketing insurance premiums.  One result of Proposition 103—it repealed certain provisions of the Insurance Code that prohibited premium rebates.  However, Section 1851 of the Insurance Code excludes certain classes of insurance from premium rebates; yet “surety” is not one of excluded classes, and bail falls under the surety classification.

In 1995 the State Supreme Court ruled against an attempt to exclude surety from Proposition 103 made by Amwest Surety in the case Amwest Surety Ins. Co. v. Wilson.  This decision precluded Amwest Surety’s legislative attempts to exclude surety from Proposition laws 103 as well.

Further, Section 2054.4 of the California Code of Regulation, which prohibits rebates in connection with bail transactions, was deemed invalid by a court ruling on the case Pacific Bonding Corporation v. John Garamendi, Insurance Commissioner in February 2004.  The ruling was based on the fact that because Section 2054.4 was broader in scope than the provisions in Sections 1800 through 1823 of the Insurance Code (which regulate bail licensure) there was no statutory basis for the regulation; and further, Section 2054.4 tracked the language of certain former Insurance Code Sections that were repealed under Proposition 103, which also repealed statutory basis for the regulation.

Basically, the impact of the above actions on the bail business boils down to the fact that bail bonds are regulated under Proposition 103, which provides for premium rebates as long as they are not unfairly discriminatory. Visit Chad The Bail Guy for more bail bond information.

Choosing the Best Orange County Bail Bonds Agent

Everyone wants great service when choosing a bail agent, but what is service when it comes to getting bailed out of jail?

If you have a client who has been arrested for the first time, they are probably not thinking about how the kind of service they receive from a bail agent will impact their case; they just want someone who can get them out from behind bars. Let this recent situation illustrate exactly how bail bond agents should provide service:

I attended a bail hearing on behalf of a client. The case included a co-defendant, and bail had been set at $25,000 for both defendants. The defendant’s attorney called me to discuss bail and said that she would fight for OR or a bail reduction, and my response was, “Of course, I wouldn’t expect anything less.” I attended the bail hearing prepared to post bail immediately upon the judge’s ruling, if necessary. The attorney’s request for a bail reduction was granted, and bail was reduced to $10,000. Not only was I in court ready to post bail, I charged my client an 8% bond premium, and he qualified for the Prop 103 rebate, reducing his overall premium to $600.00.

Unfortunately for the co-defendant, his bail agent did not appear in court, rather posted bail instantly upon hearing the initial bail amount of $25,000, and because the bond had been posted prior to the bail hearing, the judge would not reduce his bail amount. The co-defendant was charged a 10% premium based on the $25,000 bail amount. This could have been avoided if Bail Agent “X” (who was an experienced agent with one of the top 10 bail agencies) had taken the time to show-up in court. Consequently, his client was stuck with paying a premium of $2,500.00—lucky for Bail Agent X; not so lucky for his client.

My client was not only thankful for the reduced bail amount, but was grateful that I didn’t act in haste just to make a buck. I was prepared and I cared enough to show-up in court, posted bail based on a reduced amount and made sure he got the best premium possible.

As we all know, bail amounts can decrease (or increase) on a judge’s ruling. At Chad Conley Bail Bonds our job is to attend bail hearings to make sure that bail is posted after the judge has given a final ruling, not before you’ve had a chance to fight for a reduction.
For fast, ethical service with the best pricing possible, call us now toll free at:
855-223-2423 or visit www.chadthebailguy.com
Chad

This happened to one of my clients – Let it happen to yours?

Bail Bondsman in Santa Ana, CA

Bail Bonds in Santa Ana

If you need help with a bail bond then Chad Conley Bail Bonds is the company you need to talk to. They specialize in all types of bail bonds, including domestic violence and sexual assault bonds. They can service most varieties of felony bonds and can help you get out on bond in order to more focus on the particulars of your case. Here is a list of the services that Chad Conley Bail Bonds can offer you:1. Sex Crimes

Chad Conley Bail Bonds has a litany of experience in all types of bail bond situations involving sex crimes. They can be distressing and humiliating for the person accused, and that is why you need a knowledgeable bail bondsman on your side. Chad Conley’s service can help you make bail in a discreet manner and without judgment. They understand what requirements are usually mandated, such as electronic monitoring while out on bail and can help you navigate through this thorny process.

2. 1275 PC Hearings

A 1275 PC Hearing is basically a hearing that determines if bail money can be obtained in a legal manner. We at Chad Conley Bail Bonds have been doing these kinds of hearings for many years and are aware of the various parts of it. In many cases, a 1275 hearing is simply routine.

3. Flexible payment plans.

Finally, we can offer you flexible payment plans sometimes with as little as 3% down on your bail. Call Chad Conley Bail Bonds today to get this process started!

Need a bail bond in orange county?

Getting into jail is the most embarrassing situation that someone can get into. Getting a bail bondsman might seem to be very scary and can cause panic. But wait!! Here comes Chad Conley Bail Bond Service to save you – the best in Orange County. We provide bail bond service throughout Orange County and also in parts of Los Angeles. The Owner and Founder, Chad Conley bring his immense experience in this field to this company and understands the criminal justice system very well. Cases of Domestic Violence, Sex Crimes are taken care of pretty well by the experienced group of dedicated people working 24/7. Getting caught for domestic violence not only causes damage to the reputation of the accused but causes trauma to the family members too. We ensure that the case remains confidential and does not harm the victim after being released. Clear explanation of all the costs, right from initial payment, down payment and late fees including the interest costs. Chad Conley Bail Bond Service gets you out of jail and makes sure you stay out of it. We also manage to release people who have warrants issued against them of any kind. Arrests can make the members of the family of the victim go under severe mental, emotional and financial stress. The main aim of the owner is to bring back the victim of arrest to normalcy by providing swift and quality service. Whatever may be the case of arrest, do not worry or panic just contact Chad the Bail Guy and you are assured of a release sooner than later.