Cal auto rates have to approved by the doi in advance, same as most states.
Even rate cuts require approval.
The approval requires a cost justification, so if women’s discount is going down it is because of claims data.
I doubt fake-transgenders could be a cause, just too few people doing it.
As for real ones, does a middle-aged man taking a megadose of estrogens and undertaking a 2nd, female puberty hurt his driving? Do you all remember how moody you were the first year or two of puberty, 12-13 for most of us?
For transmen, we know what artificial male hormones do: roid rage.
