WEBVTT - What the candidates think about California's Insurance Crisis 0:00:00.200 --> 0:00:03.280 And we continue at one five in the afternoon on 0:00:03.360 --> 0:00:07.000 The John Phillips Show, Mister Randy Weggs in Culver City. John. 0:00:07.120 --> 0:00:10.000 Just a few minutes ago, at a press conference about 0:00:10.080 --> 0:00:14.440 Earth Day, current California Governor Gavin Newsom was asked who 0:00:14.560 --> 0:00:17.799 he likes in the governor's race and if he's going 0:00:17.840 --> 0:00:20.160 to watch tonight's debate on next Star. 0:00:21.560 --> 0:00:26.000 I'm supporting a Democrat in the runoff and look forward 0:00:26.000 --> 0:00:28.000 to the voters making that decision very shortly. 0:00:28.320 --> 0:00:30.480 What if it's two of them or what if it's 0:00:30.520 --> 0:00:36.640 none of them? Boy, he has opinions on everything, whether 0:00:36.680 --> 0:00:41.000 it comes to Iran or Donald Trump, or Ice or 0:00:41.159 --> 0:00:43.479 all of these subjects that really don't have much to 0:00:43.520 --> 0:00:46.839 do with state politics. But if you ask him a 0:00:46.960 --> 0:00:50.880 question about state politics, he turns into Switzerland. 0:00:51.479 --> 0:00:55.520 Well, and his press team likes to comment on anything 0:00:55.560 --> 0:00:58.240 and everything that's trending on social media. 0:00:58.440 --> 0:01:02.240 Didn't have a damn thing to say about Swell. Oh yeah, 0:01:02.240 --> 0:01:04.400 Well the handcuffs who are on? Is? He don't think 0:01:04.440 --> 0:01:08.240 there will be one? Absolutely, confident of that, Shangy, Can 0:01:08.240 --> 0:01:11.600 I get an assist on that. I don't think there 0:01:11.600 --> 0:01:12.080 will be one. 0:01:12.640 --> 0:01:19.520 Absolutely. There are a lot of outstanding candidates with extraordinary records. 0:01:19.560 --> 0:01:23.480 I can name fact check. Yeah, how about that CNN 0:01:23.640 --> 0:01:26.440 article where you said that if Katie Porter gets elected, 0:01:27.120 --> 0:01:30.240 she's going to drive all the businesses out of state. No, 0:01:31.760 --> 0:01:34.600 or that Javier Baccaria was an awful attorney general. 0:01:35.560 --> 0:01:39.160 There are a lot of outstanding candidates with extraordinary records. 0:01:39.160 --> 0:01:41.920 I can name seven of them, though I think there 0:01:41.920 --> 0:01:45.800 were nine with Betty Now, Yeah. 0:01:45.640 --> 0:01:47.440 Who was the other person that dropped out? 0:01:48.680 --> 0:01:48.760 Oh? 0:01:48.840 --> 0:01:51.680 I guess that would be Calderon. He's the one Calderon 0:01:51.720 --> 0:01:52.560 that's not in prison. 0:01:52.800 --> 0:01:58.440 No, he's he's specifically not talking about Swallwell oh, yes, yes, yes. 0:01:58.840 --> 0:02:02.200 Because as as someone that's grown up in state of California, 0:02:02.280 --> 0:02:05.760 I had an opportunity to work with every single person 0:02:06.040 --> 0:02:09.040 that is running for that office, and had the privilege 0:02:09.080 --> 0:02:12.359 of working and partnering with them in many different capacities 0:02:12.400 --> 0:02:16.280 over many many years. And I respect to respect their 0:02:16.320 --> 0:02:19.160 willingness to put themselves out and looking forward to the 0:02:19.200 --> 0:02:22.760 debate tonight, and I'm looking forward to where the voters 0:02:22.840 --> 0:02:23.560 ultimately land. 0:02:23.880 --> 0:02:27.240 Boy, he sounds so checked out as soon as you 0:02:27.280 --> 0:02:31.200 ask him about anything going on in California. 0:02:31.440 --> 0:02:33.079 What is he going to do if he runs for 0:02:33.160 --> 0:02:38.880 president and loses. Podcast. That's what that's all about. Backup plan, 0:02:39.040 --> 0:02:45.000 baby with that voice. He loves it. Okay, this isn't 0:02:45.040 --> 0:02:48.280 like a new thing for him. When he was lieutenant governor, 0:02:48.520 --> 0:02:51.840 he had that TV show on Al Gore's network, Current TV. 0:02:52.280 --> 0:02:55.320 When he was mayor of San Francisco, he would do 0:02:55.360 --> 0:02:59.240 a monthly radio show. He loves the medium of broadcasting. 0:03:00.960 --> 0:03:02.600 You think he'd want to fill in for us when 0:03:02.600 --> 0:03:03.400 we're on vacation. 0:03:06.480 --> 0:03:09.160 I mean, they do say to always make sure that 0:03:09.240 --> 0:03:11.399 the person fills in for you is not as good 0:03:11.440 --> 0:03:13.880 as you, So that'd be great for us. 0:03:14.280 --> 0:03:21.720 What do you think I had in mind? Eight hundred 0:03:21.760 --> 0:03:24.760 two two two five two two two is a telephone number? 0:03:24.840 --> 0:03:24.960 One? 0:03:25.040 --> 0:03:28.960 Eight hundred two two two five two two two. Well, 0:03:29.000 --> 0:03:32.280 tonight is debate night for all the candidates running for governor. 0:03:32.440 --> 0:03:35.880 And we know that the likely scenario is that Katie 0:03:35.920 --> 0:03:38.240 Porter is going to attack Tom Steyer. We know that 0:03:38.320 --> 0:03:41.280 Tom Steyer is going to attack Javy or Besserah. We 0:03:41.360 --> 0:03:43.720 know that Steve Hilton is going to attack Chad Bianco. 0:03:44.120 --> 0:03:46.760 There's gonna be a lot of attacking going on. There's 0:03:46.760 --> 0:03:49.400 gonna be a lot of references to Donald Trump and 0:03:49.440 --> 0:03:52.840 to Ice, maybe even to the war in Iran, but 0:03:53.120 --> 0:03:59.240 California issues that impact California residents probably won't get discussed 0:03:59.760 --> 0:04:03.440 in great detail. One of the subjects that should get 0:04:03.520 --> 0:04:07.440 discussed in great detail is the state's insurance crisis. None 0:04:07.480 --> 0:04:11.280 of us, oh, we know, none of us can buy insurance. 0:04:11.520 --> 0:04:15.880 It doesn't matter if you're a homeowner, a small business owner, whatever. 0:04:16.720 --> 0:04:22.080 The state is quickly becoming uninsurable. Our current insurance Commissioner, 0:04:22.200 --> 0:04:25.560 Ricardo Laura, would rather spend his time with DJ Kitty 0:04:25.560 --> 0:04:31.000 Glitter than fixing the problem. Gavin Newsom, as at a 0:04:31.040 --> 0:04:35.440 point of official policy, has delegated the job of fixing 0:04:35.480 --> 0:04:41.520 the insurance crisis to Ricardo Laura. Clearly that's not working, 0:04:41.800 --> 0:04:44.360 and whoever becomes governor next is going to have a great, 0:04:44.360 --> 0:04:47.760 big mess on their hands. So what they think about 0:04:47.760 --> 0:04:50.200 the insurance crisis actually matters. 0:04:51.560 --> 0:04:56.159 Julie Watts of CBS News Investigates sat down with every 0:04:56.200 --> 0:04:59.400 single candidate a few months ago and has asked them 0:04:59.480 --> 0:05:02.719 every a old, every single candidate, the same questions, and 0:05:02.800 --> 0:05:05.240 instead of releasing here's an interview with Tom Steyer, here's 0:05:05.240 --> 0:05:07.400 an interview with Katie Porter, and yes, I want to 0:05:07.440 --> 0:05:10.960 see that whole interview. She has released these compilations where 0:05:10.960 --> 0:05:14.680 she talks to every single candidate about one specific issue. 0:05:14.800 --> 0:05:16.480 And one of the things that I've noticed they've been 0:05:16.480 --> 0:05:19.560 doing is that when somebody gets taken away by the 0:05:19.600 --> 0:05:22.919 OPA lumpas and the field gets shorter, they release a 0:05:22.960 --> 0:05:28.599 new video and edit the old person out. So, without 0:05:28.640 --> 0:05:34.000 further ado, here is Julie Watts of CBS News California Investigates, 0:05:34.360 --> 0:05:36.640 which I just saw in her email. She's officially the 0:05:36.720 --> 0:05:42.440 California accountability correspondent and I love that. Here is what 0:05:42.560 --> 0:05:47.080 every candidate has to say about insurance, starting with Steve Hilton. 0:05:47.360 --> 0:05:49.160 Although I didn't need to say that, you could tell 0:05:49.200 --> 0:05:50.320 he's the British guy. 0:05:50.360 --> 0:05:51.839 Insur insurance, insurance. 0:05:51.960 --> 0:05:55.960 What do you do to stabilize California's insurance market without 0:05:56.040 --> 0:05:59.120 pushing insurers out of California. We're looking at folks who 0:05:59.120 --> 0:06:01.600 cannot get insurance. How do you keep insurance companies in 0:06:01.640 --> 0:06:04.400 California while still keeping rates down in a world where 0:06:04.400 --> 0:06:08.400 we're seeing climate driven disasters. You have people who live 0:06:08.400 --> 0:06:10.359 here who say I cannot afford to pay the prices 0:06:10.440 --> 0:06:12.440 that they are charging you have a private industry that 0:06:12.480 --> 0:06:14.760 does not have to work here, saying if you keep 0:06:14.800 --> 0:06:18.560 building expensive homes and your burnable things, we cannot ensure that. 0:06:18.640 --> 0:06:20.479 No, but there's so many common sense things you can do, 0:06:20.520 --> 0:06:22.599 for example, So there was I think there's some ledge, 0:06:22.640 --> 0:06:24.160 I mean, I need to dig into it, but that's 0:06:24.160 --> 0:06:25.000 someone in the issuance. 0:06:25.000 --> 0:06:27.120 Wait, you need to dig into it. You know the 0:06:27.200 --> 0:06:33.640 policy on everything. Yeah, he certainly does offer more details 0:06:33.640 --> 0:06:34.400 of the rest of them. 0:06:34.520 --> 0:06:36.159 I think there's some ledge, I mean, I need to 0:06:36.160 --> 0:06:38.120 dig into it, but that someone in the insurance industry 0:06:38.160 --> 0:06:40.720 was telling me that there's a legislation that actually that 0:06:41.200 --> 0:06:44.960 stops something incredibly common sense being done, which is defensible 0:06:45.000 --> 0:06:48.239 space being put around new building in those errors. But anyways, 0:06:48.279 --> 0:06:51.320 as I understand it, that the LAARA, the insurance Commissioner, 0:06:51.480 --> 0:06:55.960 has finally made the changes in how insurance companies can 0:06:56.000 --> 0:06:56.960 prise future. 0:06:56.720 --> 0:06:59.960 Risk, and that hasn't taken anybody off the fair place, 0:07:00.320 --> 0:07:02.920 and it isn't making insurance any more available. 0:07:03.600 --> 0:07:09.279 No, no, No, RICARDA. Laura is not the authority on 0:07:09.440 --> 0:07:14.200 anything except for maybe certain items that can be purchased 0:07:14.240 --> 0:07:20.040 in Colombia. I'm very kind of sketch you cannot delegate 0:07:20.320 --> 0:07:25.520 this very important issue to a buffoon like him. You 0:07:25.600 --> 0:07:27.520 can't do it. 0:07:27.320 --> 0:07:29.840 It's got to be hard for the Republican candidates to 0:07:29.880 --> 0:07:32.560 even talk about this because what Ricardo Laura has done 0:07:33.000 --> 0:07:36.760 is given the insurance companies everything they want and they're 0:07:36.800 --> 0:07:39.800 still screwing us over and they're still not paying out claims. 0:07:41.280 --> 0:07:43.040 Yeah, a lot of people have been asking for for 0:07:43.080 --> 0:07:43.520 many years. 0:07:43.560 --> 0:07:45.280 I mean, you know, that's. 0:07:45.200 --> 0:07:46.840 Sort of a separate issue, but I mean, but. 0:07:46.800 --> 0:07:50.160 Let's let's get you know, there's a massive issue for 0:07:50.240 --> 0:07:53.840 so many Californias. Either these insanely high premiums they're paying 0:07:53.920 --> 0:07:56.160 or they can't get in short a tool and they're 0:07:56.160 --> 0:07:57.800 on the Fair Plan. And we know that the the 0:07:57.840 --> 0:07:59.720 state we're on Fair Plan is a disaster. If anything 0:07:59.800 --> 0:08:02.360 goes roll, that's a massive financial liability. 0:08:02.400 --> 0:08:03.160 This is a huge problem. 0:08:03.160 --> 0:08:05.640 And in fact, Ricardo Lara was the one that changed 0:08:05.680 --> 0:08:09.200 the rules right before the big Palisades and Eden fires 0:08:09.400 --> 0:08:11.280 where it used to be the Fair Plan, which by 0:08:11.280 --> 0:08:13.560 the way, is not a state plan. It is a 0:08:13.600 --> 0:08:17.080 consortium of the insurance companies created after the Watts riots, 0:08:17.360 --> 0:08:19.760 and the whole deal was okay, if you don't want 0:08:19.760 --> 0:08:22.120 to ensure them. You have to have this company insure 0:08:22.160 --> 0:08:23.800 them as the insurer last resort. 0:08:24.080 --> 0:08:25.520 But if you put too many. 0:08:25.280 --> 0:08:27.840 People on that plan and that plan goes belly up, 0:08:28.040 --> 0:08:30.520 you're on the hook for it. Ricardo Lara changed the 0:08:30.600 --> 0:08:32.720 rules to say that the ratepayers are on the hook 0:08:32.800 --> 0:08:33.120 for it. 0:08:33.840 --> 0:08:36.680 Well, and what's so wild about insurance right now is 0:08:36.720 --> 0:08:40.440 we get the worst of both worlds. We have regulations 0:08:40.679 --> 0:08:44.480 that determine what the insurance companies can charge you, which 0:08:45.320 --> 0:08:48.000 I'm not in favor of price control, so I would 0:08:48.000 --> 0:08:51.280 never vote for that. But fine, that's the law. So 0:08:51.360 --> 0:08:53.640 what do we do. We allow them to raise the 0:08:53.720 --> 0:08:57.240 rates the maximum amount every time they ask. That's what 0:08:57.480 --> 0:09:01.720 historically has happened. However, the insurance companies say that's still 0:09:01.760 --> 0:09:06.440 not enough to cover the actual risk. So when you 0:09:06.559 --> 0:09:09.880 need to file acclaim with your insurance company, they just 0:09:09.960 --> 0:09:12.640 say no, and you have to sue them to get 0:09:12.679 --> 0:09:16.839 anything out of them, which delays the entire process of rebuilding, 0:09:17.480 --> 0:09:20.280 and it costs you a fortune, and it destroys your 0:09:20.280 --> 0:09:24.600 mental health and physical health in the process. How anyone 0:09:24.720 --> 0:09:27.199 could look at this and say this is the model. 0:09:27.880 --> 0:09:32.640 I don't understand. You can do what Florida does, which 0:09:32.679 --> 0:09:36.040 is probably what I would do, which is get rid 0:09:36.080 --> 0:09:38.640 of a lot of the regulations, which means the premiums 0:09:38.679 --> 0:09:42.880 would go through the roof. However, if you get paid 0:09:43.720 --> 0:09:47.640 on a claim, then you can actually use it. Then 0:09:47.679 --> 0:09:52.319 if something tragic happens to your home and you need 0:09:52.360 --> 0:09:55.480 to rebuild, or you need to do whatever, you can 0:09:55.520 --> 0:09:59.040 actually get money out of the insurance company. Right now, 0:09:59.080 --> 0:10:01.600 what it is in cal is it's a box to 0:10:01.720 --> 0:10:04.440 check when you get a loan from a bank. The 0:10:04.480 --> 0:10:07.520 banks require you to have insurance, but it's a product 0:10:07.520 --> 0:10:10.280 that you can't actually use in any realistic way. 0:10:11.400 --> 0:10:13.760 I will say, though, when you look at what happened 0:10:13.800 --> 0:10:16.640 in Florida, and Florida is a different situation because of 0:10:16.720 --> 0:10:19.839 all of the risk of flood, which is a big 0:10:19.880 --> 0:10:22.240 majority of the state. You have a lot of people 0:10:22.280 --> 0:10:26.320 who own condos that their insurance premiums tripled, quadrupled in 0:10:26.320 --> 0:10:28.600 the last couple of years to the point where the 0:10:28.760 --> 0:10:31.680 insurance is more than the mortgage payment. And you have 0:10:31.720 --> 0:10:35.400 people trying to sell and leave and nobody wants to buy. 0:10:36.360 --> 0:10:39.480 And that's a different set of problems. But right now 0:10:39.480 --> 0:10:42.840 in California, you can't even buy insurance, and if you 0:10:42.920 --> 0:10:44.719 can buy insurance, you can't use it. 0:10:45.559 --> 0:10:48.360 And so I've spoken to the industry about it, and 0:10:48.360 --> 0:10:51.960 the insurance industry tell me that finally they feel that 0:10:52.080 --> 0:10:56.319 some of these longstanding policy mistakes have been corrected. 0:10:56.760 --> 0:11:00.440 Yes, like using their own proprietory climate model that we 0:11:00.480 --> 0:11:02.920 don't get to see for them to price their risk. 0:11:03.360 --> 0:11:06.199 I don't like that either. And this is also one 0:11:06.240 --> 0:11:09.320 of these weird subjects where the left and the right 0:11:09.440 --> 0:11:13.800 come together. The insurance companies and Greta Thunberg are on 0:11:13.880 --> 0:11:16.960 the same page. They believe that the world is going 0:11:17.040 --> 0:11:19.920 to end eleven years from now. Well, if the world 0:11:19.960 --> 0:11:22.120 is going to end eleven years from now, then you 0:11:22.160 --> 0:11:26.480 can price accordingly. Well, if you're a consumer, that doesn't 0:11:26.480 --> 0:11:29.120 work for you, especially if they won't even show you 0:11:29.160 --> 0:11:29.679 their work. 0:11:31.160 --> 0:11:32.959 And so that they're telling me, I mean, we need 0:11:33.000 --> 0:11:35.040 to dig into it more, and perhaps you could. 0:11:35.760 --> 0:11:40.160 Do some investigation, investigation, And she's done a lot of 0:11:40.160 --> 0:11:43.400 investigations on this, Oh yeah, investigation. 0:11:43.520 --> 0:11:47.319 The insurance industry is telling me that actually things are 0:11:47.320 --> 0:11:50.440 getting back to on the track that they feel they're 0:11:50.440 --> 0:11:52.880 going to come back into the state. Yes, rates are 0:11:52.880 --> 0:11:54.080 going to go up, but at least they're going to 0:11:54.120 --> 0:11:56.959 be able to ensure because they can price risk properly. 0:11:57.000 --> 0:11:58.040 So that's what I'm being told. 0:11:58.160 --> 0:11:59.120 But again, let's look at. 0:11:59.280 --> 0:12:00.800 You know, we're going to get to a point where 0:12:00.880 --> 0:12:05.040 it is so unaffordable to have insurance that people can't 0:12:05.040 --> 0:12:07.000 get a mortgage. And if you can't get a mortgage 0:12:07.000 --> 0:12:09.760 and that industry collapses, what's going to happen. 0:12:10.720 --> 0:12:13.679 Well, it's going to be one of these states where 0:12:14.000 --> 0:12:18.040 the extreme bias is to all cash offers. And if 0:12:18.080 --> 0:12:20.520 the only type of person who can buy a property 0:12:20.640 --> 0:12:24.079 is an all cash offer, then you really are going 0:12:24.080 --> 0:12:25.760 to price the middle class out of the state. 0:12:26.240 --> 0:12:29.040 But again, let's look at another component. Why premiums so 0:12:29.120 --> 0:12:31.959 much higher in California Because building costs are so much 0:12:32.000 --> 0:12:32.920 higher in California. 0:12:33.000 --> 0:12:35.880 Okay, on this one, he's totally right. Just the cost 0:12:35.920 --> 0:12:38.760 of lumber is more expensive in the state of California, 0:12:38.800 --> 0:12:41.679 which means the cost of rebuild is way higher than 0:12:41.760 --> 0:12:44.160 anyone in Eaton Canyon was covered for. 0:12:45.000 --> 0:12:47.720 So of course, if you're insured a building, like what's 0:12:47.760 --> 0:12:48.920 the replacement. 0:12:48.559 --> 0:12:50.720 And most people are under inshirt because. 0:12:51.640 --> 0:12:53.560 Because it costs so much. So if we bring that 0:12:53.800 --> 0:12:55.839 all these things tied together. If we bring the cost 0:12:55.880 --> 0:12:59.040 of building down, that's another way we can bring insurance 0:12:59.080 --> 0:13:01.040 costs down, because it doesn't it costs so much to 0:13:01.120 --> 0:13:02.800 rebuild in the event that something happens. 0:13:03.040 --> 0:13:05.400 One of the things he has advocated for, and it 0:13:05.440 --> 0:13:08.079 sure makes sense to me, is you know, we've got 0:13:08.080 --> 0:13:10.520 all these forests that are way out of control that 0:13:10.559 --> 0:13:12.880 we're not cleaning up. Why don't we reactivate the timber 0:13:12.920 --> 0:13:15.800 industry so there's not as much fuel to burn and 0:13:15.840 --> 0:13:19.800 then we have cheaper lumber that we're not importing from Kanada. 0:13:19.880 --> 0:13:22.360 And when you think about it, yes, land is more 0:13:22.400 --> 0:13:26.640 expensive in California than it is in Utah, Montana, wherever. 0:13:27.400 --> 0:13:30.839 But theoretically the cost of rebuilding should be about the same, 0:13:31.559 --> 0:13:34.480 because the cost of lumber shouldn't be different between one 0:13:34.520 --> 0:13:38.000 state and the next. But just look at gasoline. Look 0:13:38.000 --> 0:13:41.679 at how much more expensive gasoline here is in California 0:13:41.920 --> 0:13:46.560 than everywhere else, and apply the same logic that applies 0:13:46.559 --> 0:13:52.120 to gasoline to other things like timber or whatever, and 0:13:52.200 --> 0:13:54.040 you just run up the costs in this state. 0:13:55.920 --> 0:13:58.280 Sures have to make money. There are two things we 0:13:58.320 --> 0:14:01.640 need to do here, both of them possible, of them 0:14:01.960 --> 0:14:05.360 driven by new technology. And new ideas. One is wildfire control. 0:14:06.120 --> 0:14:08.560 This is a if you can tell we've moved on 0:14:08.600 --> 0:14:14.400 to the most grating voice in the campaign, both. 0:14:14.240 --> 0:14:17.319 Of them driven by new technology and new ideas. One 0:14:17.360 --> 0:14:22.080 is wildfire control. This is a this is a fire ecology. 0:14:22.280 --> 0:14:24.400 They're always going to be fires. What we're trying to 0:14:24.440 --> 0:14:26.000 avoid is devastating fires. 0:14:26.640 --> 0:14:28.760 And we've had some of the most devastating fires in 0:14:28.800 --> 0:14:31.520 the state's history just in the last five years. 0:14:32.040 --> 0:14:35.640 Including in the state's population centers like in Altadena and 0:14:35.680 --> 0:14:36.800 Pacific Palisades. 0:14:37.120 --> 0:14:39.440 And that is something that can be monitored, that can 0:14:39.480 --> 0:14:43.080 be controlled with new technologies. I believe the governor's you know, 0:14:43.160 --> 0:14:45.280 doing it, but I believe we can control. 0:14:46.080 --> 0:14:50.080 I believe you haven't even been following what the governor does. No, no, 0:14:50.280 --> 0:14:53.280 And take the fire in the Pacific Palisades. That was 0:14:53.320 --> 0:14:56.640 a complete failure of government. That was the state getting 0:14:56.680 --> 0:14:59.720 involved in something that they had no business getting involved in, 0:15:00.080 --> 0:15:02.640 and they were the ones that are responsible for that 0:15:02.760 --> 0:15:04.640 fire not being fully extinguished. 0:15:05.840 --> 0:15:08.280 You know doing it, But I believe we can control 0:15:08.640 --> 0:15:12.000 devastating fires. That's the actual issue. But the second thing 0:15:12.080 --> 0:15:15.760 is I believe they're new technologies that are quite inexpensive 0:15:16.440 --> 0:15:19.520 and can be financed to harden houses that have an 0:15:19.560 --> 0:15:24.000 incredibly high success rate, way over ninety percent. If that's true, 0:15:24.080 --> 0:15:25.760 and both of those I believe to be true. 0:15:25.880 --> 0:15:28.880 By the way, there are technologies like that, and I'm 0:15:28.880 --> 0:15:31.600 in the opinion of the insurance companies should pay for 0:15:31.680 --> 0:15:35.440 those if it makes their risk much lower. They should 0:15:35.480 --> 0:15:38.600 be buying you the thing that make sure that you 0:15:38.720 --> 0:15:41.640 have the retardant that flies out of your house when 0:15:41.640 --> 0:15:42.440 the fire starts. 0:15:42.440 --> 0:15:44.440 Whoa, whoa, whoa, whoa, whoa. I thought we weren't allowed 0:15:44.440 --> 0:15:45.600 to use that word anymore. 0:15:45.840 --> 0:15:52.360 Retardent if that's true. The pink stuff, if that's true. 0:15:52.360 --> 0:15:57.160 Minute the health insurance companies, they're willing to buy the 0:15:57.320 --> 0:16:00.280 flu shot, they're willing to buy the gym membership up, 0:16:01.000 --> 0:16:03.360 They're willing to pay for any number of things that 0:16:03.440 --> 0:16:07.240 are proactive to keep you out of the er. So 0:16:07.440 --> 0:16:09.760 I think that you have a point there, Randy, that 0:16:09.880 --> 0:16:13.000 the insurance companies I think would be willing to incur 0:16:13.120 --> 0:16:15.680 at least some of those costs. Oh they're not. 0:16:15.920 --> 0:16:18.080 In fact, we never got to it, but there was 0:16:18.160 --> 0:16:21.960 a Julie Watts investigation for a few weeks ago on 0:16:22.120 --> 0:16:24.800 how insurance companies are adding all these things in the 0:16:24.880 --> 0:16:28.440 Bay Area, like earthquake detectors what have you, that you 0:16:28.640 --> 0:16:30.840 have to foot the bill for or they won't cover you. 0:16:32.840 --> 0:16:35.040 If that's true, and both of those I believe to 0:16:35.080 --> 0:16:37.200 be true, we should go to insurance companies. This is 0:16:37.240 --> 0:16:39.400 the biggest insurance market in the United States of America. 0:16:39.840 --> 0:16:42.280 Or when he goes up in Octave, it's even more uncomfortable. 0:16:45.640 --> 0:16:47.640 They want to be here, to be they do not 0:16:47.720 --> 0:16:48.320 want to be here. 0:16:49.800 --> 0:16:51.880 They have to be able to write insurance that makes money. 0:16:52.960 --> 0:16:55.040 The job of the governor is to go to them 0:16:55.080 --> 0:16:56.880 and say, you need to take into account the data. 0:16:57.200 --> 0:17:00.320 We've solved this problem. You can look at it, you can. 0:17:00.240 --> 0:17:03.880 Write, Okay, sef he is the biggest global warming alarmist 0:17:04.040 --> 0:17:07.480 on planet Earth. If he were to get elected and 0:17:07.680 --> 0:17:12.080 they were to use his modeling, the state modeling that 0:17:12.160 --> 0:17:15.480 I'm sure would come from a styr administration, what do 0:17:15.560 --> 0:17:16.960 you think they would use that for? 0:17:18.240 --> 0:17:22.200 Well, this shows the disconnect between the billionaire and the 0:17:22.760 --> 0:17:26.400 people who have average means that are running for this office. 0:17:27.720 --> 0:17:30.800 He has no idea what his insurance premiums are and 0:17:30.920 --> 0:17:32.920 he doesn't care if they go up three hundred or 0:17:32.920 --> 0:17:34.000 four hundred percent. 0:17:34.400 --> 0:17:36.880 No, because it's his secretary that's writing the check. 0:17:36.960 --> 0:17:40.440 Anyway, successful in churance, we insist that you'd get the 0:17:40.560 --> 0:17:43.440 data and charge people fairly for the people who've hardened 0:17:43.480 --> 0:17:45.440 their houses. And to take an account the fact that 0:17:45.560 --> 0:17:48.879 we have as a state dealt with devastating wildfires. 0:17:49.040 --> 0:17:54.800 We have not dealt with devastating wildfires. All right, we'll 0:17:54.840 --> 0:17:56.840 have more from the candidates on the subject of the 0:17:56.920 --> 0:17:59.920 insurance crisis coming up in moments each the John phil 0:18:00.160 --> 0:18:01.920 If you'd like to email the show, you can do 0:18:02.080 --> 0:18:04.680 so at Johnny Don't Like Show at gmail dot com. 0:18:05.160 --> 0:18:09.080 That's Johnny Don't Like Show at gmail dot com and Randy. 0:18:09.200 --> 0:18:11.400 Now that we've hit the halfway point of today's show, 0:18:11.760 --> 0:18:13.959 if you want to continue listening after we sign off 0:18:14.000 --> 0:18:15.280 at three, that's easy to do. 0:18:15.600 --> 0:18:17.640 All you got to do is search for The John 0:18:17.720 --> 0:18:20.680 Phillips Show wherever you get your podcast, whether it's the 0:18:20.920 --> 0:18:25.920 Apple podcast app, iHeart, Spotify, search for the John Phillips Show, 0:18:26.000 --> 0:18:28.520 hit subscribe. You can download all the episodes. You could 0:18:28.520 --> 0:18:30.879 do a Google on the YouTube. You can get the 0:18:30.960 --> 0:18:33.919 free KABC app or the free KSFO app. You can 0:18:33.960 --> 0:18:36.280 also get that KMJ now app because we're on the 0:18:36.320 --> 0:18:39.720 big KMJ in the Central Valley Saturdays at noon. There 0:18:39.760 --> 0:18:42.119 are so many different ways to listen live to this 0:18:42.359 --> 0:18:45.639 radio station and listen to this show from noon to 0:18:45.720 --> 0:18:49.239 three wherever you are thanks to streaming, and download all 0:18:49.320 --> 0:18:52.440 the podcasts whenever you want. And look, we feel like, 0:18:52.880 --> 0:18:55.880 after the last seven and a half years of doing 0:18:56.000 --> 0:18:58.760 this show at this time slot, that we've built a 0:18:58.800 --> 0:19:01.080 certain amount of trust with you guys, and so we 0:19:01.240 --> 0:19:03.800 trust that when we say subscribe to the podcast, you 0:19:03.960 --> 0:19:04.200 do it. 0:19:04.760 --> 0:19:07.400 Otherwise you busted the trust. And you know what they say, 0:19:07.800 --> 0:19:12.360 don't bust the trust. Eight hundred two two two five 0:19:12.480 --> 0:19:16.120 two two two. Easy telephone number what eight hundred two 0:19:16.200 --> 0:19:20.040 two two five two two two. John Morgan joins us 0:19:20.160 --> 0:19:23.120 at the top of the hour. Right now, we're going 0:19:23.160 --> 0:19:26.320 through the interviews between the candidates for governor and CBS 0:19:26.440 --> 0:19:30.200 News is Julie Watts on the subject of California's insurance crisis. 0:19:30.480 --> 0:19:32.159 Let's get back to the candidates. 0:19:32.440 --> 0:19:35.399 So I think we need to think about Oh, you know. 0:19:35.440 --> 0:19:41.080 Whose turn it is, it's our girl. Oh and yes, 0:19:41.240 --> 0:19:44.720 in case you were wondering, this is the same interview. 0:19:45.040 --> 0:19:47.440 It's just you know they released the clips of it 0:19:47.640 --> 0:19:52.040 throughout the year, but this is the exact same interview 0:19:52.600 --> 0:19:56.800 where Katie Porter ripped off the microphone and said, I 0:19:56.920 --> 0:19:58.440 don't want to do this anymore. 0:19:58.640 --> 0:20:00.919 Well to those voters, Okay, so, so I don't want 0:20:00.920 --> 0:20:02.960 to keep doing this. I'm gonna call it. Thank you. 0:20:05.280 --> 0:20:07.359 You're not gonna do the interview with them. 0:20:07.280 --> 0:20:07.879 Nope, not like this. 0:20:08.000 --> 0:20:09.840 I'm not not with seven follow ups to every single 0:20:09.960 --> 0:20:10.399 question you. 0:20:10.440 --> 0:20:16.480 Ask America's sweetheart. I think there will be a moment 0:20:16.560 --> 0:20:19.720 in tonight's debate like that, God willing. 0:20:20.320 --> 0:20:22.399 So I think we need to think about changing some 0:20:22.520 --> 0:20:26.560 of the rules around how insurance companies function in California. 0:20:26.560 --> 0:20:29.120 I think the proposal that the Insurance Commissioner rolled out 0:20:29.200 --> 0:20:29.840 is the right one. 0:20:29.880 --> 0:20:36.760 I think, no, what alternate universe are we living in 0:20:37.040 --> 0:20:40.119 where Ricardo Laura is being treated like some kind of 0:20:40.160 --> 0:20:43.000 elder statesman. It's really bizarre. 0:20:44.040 --> 0:20:45.560 The Insurance Commissioner rolled out you. 0:20:45.640 --> 0:20:49.040 Have what may be the most inapt and corrupt member 0:20:49.160 --> 0:20:52.560 of the entire state government, and that's saying something being 0:20:52.720 --> 0:20:55.800 propped up because they all know that this is a disaster, 0:20:56.359 --> 0:20:58.680 so they want to say this is Ricardo's plan. But 0:20:58.800 --> 0:21:01.040 no one wants to go after because if they come 0:21:01.160 --> 0:21:04.000 up with their own plan, then they'll own the crisis. 0:21:05.040 --> 0:21:07.879 And mind you, the position that all of these candidates 0:21:07.920 --> 0:21:12.240 are taking is the same position that Gavin took the. 0:21:12.240 --> 0:21:14.520 Insurance Commissioner rolled out is the right one. I think 0:21:14.560 --> 0:21:17.240