[Right_Wing_Madman]

One of California's biggest problems (and there are a lot of them) is the state constitution allows changes to its constitution with only 51 percent of a referendum vote. Constitutions should be difficult to change.

The insurance industry in California is collapsing because a referendum passed that allowed a government regulator to establish rates for private insurance. The premiums are way below market value now and companies like State Farm are just leaving.

[bobbo666]

CaCaLand is also like many other states in rejecting insurance coverage from companies outside of California. If they cannot regulate you, they don’t want your competition.
I could easily buy insurance from independent broker. But, not allowed. So, only big companies that can afford the asinine CaCaLand regulations make an offer. THAT IS WHY RATES ARE SO HIGH!!!

CaCaLand requires instate insurers to offer insurance to homeowners who are irresponsible. Kinda like requiring car insurance for those with DUI’s — idiocy.

[MinorityRepublican]

One of California's biggest problems (and there are a lot of them) is the state constitution allows changes to its constitution with only 51 percent of a referendum vote. Constitutions should be difficult to change

They need to change it to 66%.