Los Angeles County: "F#@K YOU, PAY ME!"
(media.scored.co)
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I wonder what's to stop companies in other states to not use this as an excuse to hike rates? "Climate change affects every state! So give us money!"
They absolutely do, and only because the State or banks impose a requirement to have insurance. Insurance companies love nothing more than a "captive" market (i.e. hostages). In order to negotiate, you need to be able to walk away from the table. If you can't walk away, you're not negotiating, you're pleading for mercy. Give people the option to walk away and watch prices drop to a competitive average.