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40 percent accidents reported action amended approximately assigned risk auto automobile average Blalock bodily injury broker California Cities caused Chairman Geddes City Attorney City Manager City of Berkeley City of Oakland City of Piedmont claimant claims common law condition of public conference companies County of San court coverage dangerous and defective dangerous or defective defective condition defective or dangerous deposit premium Dunn fact false arrest Farmers Insurance Group fees filed fire going Government Code handling Huntington Beach Hutchinson increase insurance carrier insurance companies insurance industry judgment Keller Lanterman League of California legislation limits loss experience loss ratio Louis Keller malicious prosecution Maloney municipal liability insurance Murdock negligence number of accidents officers operation Palm Springs personal injury plaintiff population premium problem property damage property owner public property questionnaire repair resulting safety engineering San Diego San Francisco streets and sidewalks subdivision suggestion suits thing three-year tion