Hallett states that "Automobile insurance that is underwritten through employer groups, a marketing concept . . . only recently gained approval in California."
Hallett may have become aware of this only recently, but away back in 1967, CNA Insurance, through its Continental Casualty Co., was marketing employer-group auto insurance in California. The plan, called PSP (Personal Security Plan) offered lower rates than most competitors and had the additional feature of payroll deduction for payment of monthly premiums. Each prospective insured was rated on his her driving record, and only the most terrible driver was declined (but offered insurance elsewhere). The rates, however, were based in part on the area in which the car was garaged.