WEBVTT - Stacy Korsgaden is running for Insurance Comissioner 0:00:00.080 --> 0:00:03.400 On the John Phillips Show, Mister Randy wanings in Culver City. 0:00:03.600 --> 0:00:06.960 John, I've said it before, I'll say it again. Local 0:00:07.120 --> 0:00:11.360 news gets results. Just two days after all of our 0:00:11.440 --> 0:00:16.040 local TV stations in southern California started covering the crazy 0:00:16.160 --> 0:00:21.120 Naked Guy in Resita, the LAPD arrests the crazy Naked 0:00:21.160 --> 0:00:22.759 Guy in Resita. 0:00:23.760 --> 0:00:24.400 Once again. 0:00:24.760 --> 0:00:27.760 The City of Los Angeles teaches you that if you 0:00:27.800 --> 0:00:30.840 want to solve a problem, you have to go outside 0:00:30.920 --> 0:00:36.600 the chain of command got him on felony, criminal threats 0:00:36.600 --> 0:00:39.320 complaints that have been made for over three years, one 0:00:39.400 --> 0:00:43.320 hundred and fifty calls to LAPD. Nithia claims she's only 0:00:43.400 --> 0:00:45.840 just heard about it, but as soon as naked Guy 0:00:45.920 --> 0:00:50.960 got on the TV, the government started working. Eight hundred 0:00:51.000 --> 0:00:53.760 two two two five two two two is a telephone 0:00:53.840 --> 0:00:57.040 number one eight hundred two two two five two two two. 0:00:57.640 --> 0:00:59.480 It is our pleasure to welcome our next guest to 0:00:59.480 --> 0:01:04.080 the program. She is a candidate for the California Insurance 0:01:04.120 --> 0:01:09.040 Commissioners post. The incumbent Insurance Commissioner, Ricardo Lara, is termed 0:01:09.080 --> 0:01:11.679 out and can't run for a third term, so the 0:01:11.720 --> 0:01:16.640 seat is open. Her name is Stacy Course garden and 0:01:16.680 --> 0:01:21.320 you can get her online at Stacyfinsurancecommissioner dot com. Stacy 0:01:21.400 --> 0:01:23.240 thanks so much for joining us. 0:01:23.560 --> 0:01:25.440 It's great to be with you. John, thank you for 0:01:25.480 --> 0:01:25.880 having me. 0:01:27.120 --> 0:01:29.720 Why should you be the next insurance commissioner for the 0:01:29.760 --> 0:01:30.760 state of California. 0:01:32.080 --> 0:01:37.080 Simply put, it's experience. I've spent my career as an 0:01:37.280 --> 0:01:41.600 insurance and a financial advisor. I started my firm right 0:01:41.640 --> 0:01:46.959 out of college in nineteen eighty eight, and I've helped people, 0:01:48.120 --> 0:01:53.720 small businesses and working families have the proper insurance before, during, 0:01:53.760 --> 0:01:58.040 and after acclaim. So I've a nationally recognized agency. So 0:01:58.080 --> 0:02:00.760 I've had a lot of success, and I just cannot 0:02:01.560 --> 0:02:07.200 sit by and watch inexperience just destroy the security that 0:02:07.440 --> 0:02:11.840 families need in California. It's just falling apart, and I 0:02:11.919 --> 0:02:12.880 know how to fix it. 0:02:14.320 --> 0:02:18.320 Whenever we talk to fire victims who call into the show, 0:02:18.520 --> 0:02:22.480 whether it be in Alta, Dina or Pacific Palisades, or 0:02:22.520 --> 0:02:26.519 even before that in Malibu, we hear the same story 0:02:26.919 --> 0:02:31.040 over and over and over again from the homeowners, which 0:02:31.160 --> 0:02:34.680 is they're having some sort of problem with their insurance company. 0:02:35.200 --> 0:02:39.040 They call the California Department of Insurance and they cannot 0:02:39.080 --> 0:02:44.079 get a call returned. We know that the current insurance Commissioner, 0:02:44.160 --> 0:02:48.120 Ricardo Laura, has been an absentee landlord where he's been 0:02:48.200 --> 0:02:53.480 traveling around the globe from hotspot to hotspot, being wined 0:02:53.520 --> 0:02:57.840 and dined by the insurance industry, going to conferences in 0:02:57.919 --> 0:03:04.280 every desirable vacation destination on planet Earth, while he's not 0:03:04.440 --> 0:03:10.680 doing his day job. As someone who understands the insurance industry, 0:03:10.720 --> 0:03:12.960 what is it that needs to be done in that 0:03:13.160 --> 0:03:17.760 office so that the basics are completed, so that calls 0:03:17.800 --> 0:03:21.200 are returned and people don't feel like they're on their own. 0:03:22.880 --> 0:03:27.480 The fire that occurred in Altadena, Pacific Palisades and the 0:03:27.520 --> 0:03:32.800 Malibu area, it actually is a sample or an example 0:03:32.960 --> 0:03:36.720 of everything that's wrong with the system from the insurance 0:03:36.760 --> 0:03:39.520 company level all the way up to the Department of 0:03:39.600 --> 0:03:44.400 Insurance if as commissioner, and it's part of my plan 0:03:44.600 --> 0:03:48.000 on my website is the Department of Insurance should have 0:03:48.240 --> 0:03:52.480 had a physical presence, some kind of unit of some 0:03:52.640 --> 0:03:56.040 kind of building or a mass unit where they were 0:03:56.080 --> 0:03:59.640 there to handle complaints and to serve the customer. The 0:03:59.680 --> 0:04:03.280 prime role of the Department of Insurance is to advocate 0:04:03.320 --> 0:04:07.480 for the customer in the middle of a catastrophe like that, 0:04:07.680 --> 0:04:12.320 insurance companies are their claims department have blown up too. 0:04:12.440 --> 0:04:15.960 They have so many claims they do not have the 0:04:16.080 --> 0:04:20.360 manpower to actually handle it in the beginning, so they 0:04:20.400 --> 0:04:26.680 bring catastrophe adjusters from all over the country. What's happened, though, 0:04:27.040 --> 0:04:31.479 is there have been some large examples where they the 0:04:31.520 --> 0:04:35.960 insurance companies never got over that initial shock. They did 0:04:35.960 --> 0:04:41.920 not bring in a stable adjuster workforce to help adjust 0:04:41.920 --> 0:04:45.560 the claims, and so people in that area. Some of 0:04:45.600 --> 0:04:48.440 them have been very well served. I've heard great examples, 0:04:48.839 --> 0:04:53.560 but the other examples are simply atrocious. It's not it's 0:04:53.720 --> 0:04:57.279 so hard to hear well. The Department of Insurance role 0:04:57.440 --> 0:05:00.800 is to advocate for the consumer. They need to down there. 0:05:01.839 --> 0:05:05.120 I do want people to remember Ricardo Laura's name because 0:05:05.160 --> 0:05:08.600 he should never ever run for public office again. He 0:05:08.839 --> 0:05:13.880 has in eight years done so much damage. So what 0:05:14.000 --> 0:05:18.880 are the solutions right now? The Department of Insurance is 0:05:18.920 --> 0:05:24.200 coming down hard on State farm and as they should. 0:05:24.200 --> 0:05:28.120 I've heard examples that there have been what's called a 0:05:28.240 --> 0:05:33.200 Roulette situation where there's been many, many adjusters. The problem 0:05:33.240 --> 0:05:37.680 that I see and my concern about how the department 0:05:37.720 --> 0:05:41.120 has handled it is. State Farm has always had a 0:05:41.640 --> 0:05:46.080 good reputation. I would have liked to have seen the 0:05:46.279 --> 0:05:50.320 complaints be addressed in months one month, two month, three, 0:05:50.880 --> 0:05:54.159 so this could have been resolved because where it stands 0:05:54.240 --> 0:05:58.560 right now is very concerning for me because State Farm 0:05:58.800 --> 0:06:02.360 is potentially going to lose their license for a year. 0:06:03.240 --> 0:06:07.760 What that means is that twenty percent of the people 0:06:07.760 --> 0:06:12.159 in California could potentially their insurance policy could be at stake. 0:06:12.960 --> 0:06:17.120 I am one to as a leader and a communicator. 0:06:17.320 --> 0:06:21.320 I thought and defended my clients for nearly forty years. 0:06:21.480 --> 0:06:24.839 When they're a problem, arose is you have to settle 0:06:24.880 --> 0:06:29.960 the problem quickly and efficiently. An insurance policy is a contract. 0:06:30.920 --> 0:06:34.000 The insurance companies have to abide by that contract, and 0:06:34.040 --> 0:06:37.400 if that's not being done, that needs to be handled quickly, 0:06:37.839 --> 0:06:44.839 not sixteen months after the initial event. So yes, it's 0:06:44.880 --> 0:06:49.080 still a mess, and the leader the Department of Insurance 0:06:49.120 --> 0:06:53.640 a commissioner, needs to lead and guide everyone involved to 0:06:54.000 --> 0:07:00.679 a very speedy and accurate claims adjustment of of any claim. 0:07:02.760 --> 0:07:06.039 We know that After the fires occurred and the mayor 0:07:06.080 --> 0:07:09.040 and other elected officials met with President Donald Trump, when 0:07:09.040 --> 0:07:12.120 he came to Los Angeles to assess the damage. They 0:07:12.160 --> 0:07:15.360 promised the federal government that they would move heaven and 0:07:15.440 --> 0:07:19.280 earth to get these people back in their homes, to rebuild, 0:07:19.960 --> 0:07:23.240 to clean up all of the damage, to make those 0:07:23.240 --> 0:07:27.040 neighborhoods safe again, so that it doesn't look like a 0:07:27.080 --> 0:07:30.040 bomb went off. Well, it still looks like a bomb 0:07:30.120 --> 0:07:34.480 went off over there. The rebuilding process is way behind schedule, 0:07:35.440 --> 0:07:38.080 and it doesn't look like people are going back into 0:07:38.080 --> 0:07:42.640 their homes anytime soon. How much of those delays do 0:07:42.720 --> 0:07:45.920 you think can be attributed to the California Department of 0:07:45.960 --> 0:07:49.239 Insurance not doing their job? And I asked that question 0:07:49.840 --> 0:07:52.600 because when you talk to homeowners and you talk to 0:07:52.640 --> 0:07:56.240 fire victims, at the top of their list, besides the 0:07:56.440 --> 0:08:01.120 city taking forever with the permit process and those administrative hurdles, 0:08:01.800 --> 0:08:05.520 their problems with their insurance company are number one or 0:08:05.600 --> 0:08:08.880 number two on the almost every list that I've seen. 0:08:10.760 --> 0:08:15.520 So the big problem when you have a catastrophe or 0:08:15.640 --> 0:08:18.280 a let's say it was a single home here, it 0:08:18.320 --> 0:08:22.960 was whole neighborhoods, In my opinion, that check should be 0:08:23.160 --> 0:08:28.880 very quick. We're talking dwelling, personal property, loss of use, 0:08:29.000 --> 0:08:31.720 that would be food and lodging. When you're displaced out 0:08:31.760 --> 0:08:36.480 of your home. It's actually an often it's an easier 0:08:36.520 --> 0:08:40.400 claim to pay out because it's a complete loss where 0:08:40.440 --> 0:08:43.479 the problems are some of the things that are questionable, 0:08:43.520 --> 0:08:47.520 some of the events that have happened. It was a 0:08:47.600 --> 0:08:51.040 very dirty claim, and so we're dealing with smoke damage, 0:08:51.080 --> 0:08:56.760 We're dealing with contamination. We're dealing with soils with contaminations 0:08:56.800 --> 0:09:01.600 inside the dry wall and inside the property. So the 0:09:01.679 --> 0:09:06.880 Department of Insurance again needs to be there to advocate 0:09:06.920 --> 0:09:09.920 for the client and to advocate for the consumer. How 0:09:09.960 --> 0:09:13.720 would that be done? Well, there's possibly could be some 0:09:13.800 --> 0:09:18.080 of the loss, part of the loss that was not 0:09:18.160 --> 0:09:22.480 covered under the provision of the policy. We have to 0:09:22.520 --> 0:09:26.679 find a solution there are Would there be some kind 0:09:26.840 --> 0:09:32.679 of state coverage where we could draw upon the state taxes. 0:09:34.360 --> 0:09:39.040 I always bring this up because California Insurance is taxed 0:09:39.080 --> 0:09:41.880 to the tune of four billion dollars and that money 0:09:41.920 --> 0:09:45.400 goes to the general fund. We have such an unusual 0:09:45.559 --> 0:09:49.040 event here down in the Palisades, could we redirect some 0:09:49.120 --> 0:09:53.160 of that money to cover to speed up the recovery 0:09:53.200 --> 0:09:57.400 and the development, redevelopment of this precious neighborhood. I would say, yes, 0:09:58.040 --> 0:10:01.400 it's going to take leadership, arding from the governor and 0:10:01.520 --> 0:10:06.040 the legislature and also local governments, but the Department of 0:10:06.040 --> 0:10:09.599 Insurance should be the one to spearhead this and organize 0:10:09.600 --> 0:10:15.280 and find solutions. In California, we have grit, we're strong people, 0:10:15.960 --> 0:10:19.800 but right now we have very very weak leaders. And 0:10:19.880 --> 0:10:22.080 you can see people that are coming in from the 0:10:22.120 --> 0:10:28.319 private sector everywhere, from Mama Bears for superintendent to people 0:10:28.320 --> 0:10:31.040 that are running for mayor, and people that are running 0:10:31.080 --> 0:10:34.240 for like me, that are running for the insurance commissioner 0:10:34.920 --> 0:10:40.839 that can't stand to see what's happening. The taxpayer, the policyholder. 0:10:42.600 --> 0:10:46.480 Californians do not feel represented. So I can tell you 0:10:46.520 --> 0:10:49.560 that there are many, many solutions and the Department of 0:10:49.600 --> 0:10:53.400 Insurance could be the center of finding those solutions for 0:10:53.480 --> 0:10:55.199 this issue. 0:10:55.640 --> 0:10:59.880 You are a Republican. Ricardo Laura, the termed out incumbent, 0:11:00.240 --> 0:11:05.880 is a Democrat. So far, to my eye, everyone privately 0:11:06.360 --> 0:11:09.160 is willing to acknowledge that the guy is a disaster 0:11:09.480 --> 0:11:13.640 on just about every level, from ethics to performance and 0:11:13.720 --> 0:11:18.360 all points in between. Yet the only elected official on 0:11:18.400 --> 0:11:22.400 the Democratic side of the isle who I have seen publicly. 0:11:22.520 --> 0:11:25.600 Willing to call him out for his failure. Is John 0:11:25.640 --> 0:11:30.440 Gary Mendi, the Congressman from northern California, former insurance commissioner 0:11:30.679 --> 0:11:37.199 here in California. How bad is it that the Democratic 0:11:37.280 --> 0:11:41.480 Party that elected officials within the Democratic Party have failed 0:11:41.600 --> 0:11:45.000 to call him out publicly when they know he is 0:11:45.080 --> 0:11:48.920 failing the people of California and the policy holders in California. 0:11:50.480 --> 0:11:53.680 Well, I got to say that the Democrat Party definitely 0:11:53.720 --> 0:11:58.240 sticks together. We are so beyond that in California. We 0:11:58.400 --> 0:12:01.600 have to get past this. We need competent people that 0:12:01.760 --> 0:12:06.520 are going to create a functional prosperous I say prosperous state. 0:12:06.640 --> 0:12:10.080 We have so much opportunity in California and it's being 0:12:10.120 --> 0:12:15.200 denied us as homeowners, as people that reside here. So 0:12:15.360 --> 0:12:18.520 I want to say that one of my objectives when 0:12:18.520 --> 0:12:22.600 I'm elected as commissioner, this role needs to not be 0:12:22.840 --> 0:12:25.840 an elected office. It needs to be an appointment. And 0:12:25.880 --> 0:12:29.880 this is why I say this. Ricardo Laura started his 0:12:30.280 --> 0:12:35.160 misbehaving pretty quickly out of the gate. He had traveled 0:12:35.160 --> 0:12:39.640 on about forty four trips. He's being investigated for ethics violations. 0:12:40.320 --> 0:12:44.480 If we had a competent chief executive officer called the governor, 0:12:45.200 --> 0:12:48.800 and the governor saw that the insurance commissioner was not present, 0:12:49.040 --> 0:12:54.400 wasn't competent that role. That person could be replaced, could 0:12:54.400 --> 0:12:57.920 be fired and be replaced with someone that's competent. I 0:12:57.960 --> 0:13:01.960 also feel that the commissioner needs to of great experience 0:13:02.280 --> 0:13:05.120 in insurance. We do not have time in California to 0:13:05.160 --> 0:13:09.760 teach someone about auto insurance, about work up, about business 0:13:09.760 --> 0:13:13.959 insurance liability. Those are things I've had forty years of school, 0:13:14.600 --> 0:13:17.600 the experience in fighting for my clients. We do not 0:13:17.760 --> 0:13:21.640 have time to teach someone on the job. We need 0:13:21.640 --> 0:13:24.719 someone to walk in the office and say to the 0:13:24.880 --> 0:13:30.559 commission to the Assembly, to the Senate. They have insurance committees. 0:13:31.200 --> 0:13:33.480 I could walk in day one and tell them, this 0:13:33.520 --> 0:13:37.559 is your punch list. California is not insurable right now. 0:13:37.800 --> 0:13:41.000 Our forests aren't well maintained, they aren't being finned. We 0:13:41.080 --> 0:13:44.680 have stacked brush. We have homelessness on the streets, which 0:13:44.800 --> 0:13:49.600 increases crime. We have Prop thirty six, seventy percent of 0:13:49.640 --> 0:13:52.720 the people in California voted for that John and yet 0:13:52.760 --> 0:13:56.280 the people in Sacramento are not funding it properly. We 0:13:56.280 --> 0:13:59.800 need to support our police, so when you open up 0:13:59.800 --> 0:14:04.960 your policy, all of those things that I listed, fire, theft, vandalism, 0:14:05.559 --> 0:14:09.400 all of those things are covered under your homeowner's policy 0:14:09.440 --> 0:14:13.160 and all of those risks have gone up. It's risky. 0:14:13.720 --> 0:14:16.840 So the insurance companies are saying, well, you aren't allowing 0:14:16.960 --> 0:14:20.840 us to rate properly for decades, We're out of here. 0:14:21.560 --> 0:14:23.880 So this is just simply put, we do not have 0:14:24.000 --> 0:14:27.920 practical thinking people. So I will open up a new 0:14:27.960 --> 0:14:31.240 business division at the Department of Insurance that will from 0:14:31.360 --> 0:14:35.720 day one say, insurance companies, we know that there's AI, 0:14:36.040 --> 0:14:40.680 there's capital people. Insurance companies want to come into state 0:14:40.680 --> 0:14:44.760 of California. We have to quickly depopulate the people that 0:14:44.800 --> 0:14:48.400 are on the fair plan or are seeing their existence. 0:14:48.800 --> 0:14:53.440 Existing carrier are raising their rates. People are suffering, and 0:14:53.520 --> 0:14:56.920 how do we relieve that suffering? We lower our risk. 0:14:57.000 --> 0:14:59.640 We have to feel safe as people and businesses in 0:14:59.640 --> 0:15:03.280 californ that includes insurance companies. They have to look and 0:15:03.320 --> 0:15:06.360 see well they care about the risk. And then we're 0:15:06.400 --> 0:15:08.760 going to bring in competitions so we can have fierce 0:15:08.840 --> 0:15:15.320 competition for the policy holders in California. And this cannot 0:15:15.360 --> 0:15:17.480 be done by someone that does not know what they're doing. 0:15:17.520 --> 0:15:19.400 It has to be someone that's experienced. 0:15:21.400 --> 0:15:25.640 Right before the fires were started in Alt Dina and 0:15:25.800 --> 0:15:29.080 Pacific Palisades, the woman in charge of the Fair Plan 0:15:29.200 --> 0:15:32.240 testified in front of the state legislature and said that 0:15:32.280 --> 0:15:36.080 they were one massive fire away from insolvency. We've seen 0:15:36.480 --> 0:15:40.160 not just one fire, but two main big fires since 0:15:40.200 --> 0:15:43.440 she made those remarks. Yet the number of people on 0:15:43.520 --> 0:15:47.880 the California Fair Plan has not gotten smaller, it's gotten bigger. 0:15:48.480 --> 0:15:50.840 How big of a problem is that? And how do 0:15:50.880 --> 0:15:52.400 you depopulate the fair Plan? 0:15:53.480 --> 0:15:58.360 Okay, John, it's a huge, huge problem because what happens 0:15:58.560 --> 0:16:02.400 is is the fare plan has just ballooned. So there's 0:16:02.480 --> 0:16:05.520 more exposure on the Fair Plan. And now we've had 0:16:05.600 --> 0:16:08.120 some pretty good rains and it's going to get hot 0:16:08.160 --> 0:16:11.600 here pretty quick. We have a high chance of another problem, 0:16:11.720 --> 0:16:14.840 another fire. But what a lot of people don't know 0:16:15.160 --> 0:16:18.640 is when you're an admitted carrier in the state of California, 0:16:19.160 --> 0:16:23.200 let's say State Farm, Farmers, Triple A, all of those 0:16:23.200 --> 0:16:28.480 companies that people might recognize, they are also on the 0:16:28.480 --> 0:16:31.680 hook for the Fair Plan. So let's say there's a 0:16:31.760 --> 0:16:35.480 huge loss the Fair Plan runs out of money, than 0:16:35.520 --> 0:16:39.840 the fair Plan can or this Department of Insurance excuse me, 0:16:40.600 --> 0:16:45.200 can say okay, well we're two billion dollars short this time. 0:16:45.400 --> 0:16:49.000 The fair Plan's two billion dollars short. So State Farm 0:16:49.240 --> 0:16:52.120 you have twenty percent of the market share, you get 0:16:52.120 --> 0:16:57.320 twenty percent of that two billion dollars. Ya Farmers you 0:16:57.400 --> 0:17:01.200 have fourteen percent. You pay fourteen percent of that two billion. 0:17:02.160 --> 0:17:06.679 So the really convoluted and dysfunctional part of it is 0:17:06.720 --> 0:17:11.280 that the policyholders have to pay part and in some 0:17:11.400 --> 0:17:14.800 cases could pay all of that assessment on their policies. 0:17:15.640 --> 0:17:18.199 So even though a company might have looked at your 0:17:18.240 --> 0:17:20.880 house and said, you know what, it doesn't qualify, we're 0:17:20.920 --> 0:17:23.239 not going to write you. So you go over to 0:17:23.280 --> 0:17:27.120 the fair Plan and you sign up. If there's a loss, 0:17:27.520 --> 0:17:30.640 there's a very good chance that the fair plan will 0:17:30.680 --> 0:17:33.399 run out of money, and then your company that denied 0:17:33.440 --> 0:17:36.200 you initially will have to pay a check, and then 0:17:36.240 --> 0:17:41.719 that check gets assessed on your policy. So everything we're 0:17:41.840 --> 0:17:46.440 one large claim away from another disaster. We have a 0:17:46.520 --> 0:17:50.880 storm brewing with State Farm. If they want to say, well, 0:17:51.119 --> 0:17:54.720 like Hewlett Packard Tesla, they say well we don't want 0:17:54.760 --> 0:17:58.680 to do business in California, then all of those policies. 0:17:59.000 --> 0:18:02.080 It's more complicated than that. But if we lose state 0:18:02.160 --> 0:18:06.760 farm out of California, that's huge too. So your last 0:18:06.840 --> 0:18:09.439 question was how do we fix this? I'm going to 0:18:09.480 --> 0:18:12.520 go back to the basics of insurance. Number One. You 0:18:12.640 --> 0:18:15.800 have to have an insurable risk. And so if I 0:18:15.880 --> 0:18:18.119 go to your house and your house is beautiful in 0:18:18.200 --> 0:18:21.080 a normal world, I can insure it. Let's bring it 0:18:21.119 --> 0:18:25.760 to the state of California. Is the state of California insurable? 0:18:25.800 --> 0:18:29.879 And I say no, because we haven't managed our forest, 0:18:29.960 --> 0:18:34.280 we haven't managed or mitigated our wildfire risk, we haven't 0:18:34.320 --> 0:18:37.600 mitigated our crime, all of the things that are so 0:18:37.600 --> 0:18:41.240 we need to lower that. Simultaneously, we need to bring 0:18:41.280 --> 0:18:43.880 in insurance companies. And I can tell you they want 0:18:43.920 --> 0:18:46.680 to come in. There are companies that want to come 0:18:46.680 --> 0:18:49.720 into the State of California. We need to let them 0:18:50.040 --> 0:18:53.240 in to take on some of the risk that's out 0:18:53.280 --> 0:18:57.040 there to That's what insurance does. It distributes the risk, 0:18:57.440 --> 0:19:01.280 and right now it's too concentrated on few companies. Not good. 0:19:02.160 --> 0:19:06.439 So it is a very fixable problem, and I have 0:19:06.560 --> 0:19:12.080 hope that we cannot continue going down the destruction of 0:19:12.119 --> 0:19:14.960 the insurance number one. We have to hold the insurance 0:19:14.960 --> 0:19:18.639 companies accountable, but we need to find relief because people 0:19:18.680 --> 0:19:22.240 cannot afford what's going on in the insurance policy world. 0:19:22.840 --> 0:19:26.480 By bringing in more companies, that will help the affordability 0:19:26.960 --> 0:19:29.360 and we'll have more access to more cover. 0:19:29.280 --> 0:19:32.600 Itt Stacy Course Godden. 0:19:33.040 --> 0:19:36.000 She is a candidate for Insurance Commissioner here in the 0:19:36.040 --> 0:19:39.040 state of California. You can get her online at Stacy 0:19:39.160 --> 0:19:42.359 for Insurance Commissioner dot com. Stacy, thanks so much for 0:19:42.359 --> 0:19:42.960 stopping by. 0:19:43.920 --> 0:19:44.680 Thank you so much. 0:19:44.760 --> 0:19:48.080 John eight hundred two two two five two two two 0:19:48.480 --> 0:19:52.080 is telephone number one eight hundred two two two five 0:19:52.200 --> 0:19:55.359 two two two. If you'd like to email the show, 0:19:55.359 --> 0:19:57.440 you can do so at Johnny don't Like show at 0:19:57.480 --> 0:20:01.040 gmail dot com. That's Johnny don't Like at g mel 0:20:01.280 --> 0:20:02.200 dot com. 0:20:02.640 --> 0:20:03.159 And Randy. 0:20:03.240 --> 0:20:05.639 We're twenty five minutes away from the end of the show, 0:20:05.720 --> 0:20:07.679 but if you want to keep the party going, you 0:20:07.680 --> 0:20:08.840 can go ahead and do that. 0:20:09.000 --> 0:20:10.760 All you got to do is search for the John 0:20:10.800 --> 0:20:13.520 Phillips Show wherever you get your podcasts, that could be 0:20:13.560 --> 0:20:16.840 the Apple podcast app, iHeart Spotify, search for the John 0:20:16.880 --> 0:20:19.720 Phillips Show, hit subscribe. You could download all the episodes. 0:20:19.960 --> 0:20:21.800 You can do a Google on the YouTube, get the 0:20:21.840 --> 0:20:25.760 free KABC app, the free KSFO app, the KMJ now app, 0:20:25.760 --> 0:20:29.000 because we're on that station Saturdays at noon, so many 0:20:29.000 --> 0:20:31.520 different ways to listen live to this stuff whenever. We're 0:20:31.560 --> 0:20:33.719 doing it from noon to three, and you can download 0:20:33.840 --> 0:20:37.119 all the podcasts and listen on your time whenever you want. 0:20:38.840 --> 0:20:42.080 Right now, it's time to open up the California Crime Blotterer. 0:20:42.400 --> 0:20:47.240 It's happened yet again. Nice cee. 0:20:47.560 --> 0:20:50.080 Time for the California Crime. 0:20:49.840 --> 0:20:51.959 Blodder and Randy. 0:20:52.000 --> 0:20:54.879 We're all in luck today because this edition is an 0:20:55.000 --> 0:20:57.320 Ed Lascos edition and it's on. 0:20:57.400 --> 0:20:58.399 Like donkey kong. 0:20:59.040 --> 0:21:02.920 Ed Lascos is here to cover someone trying to carjack 0:21:03.080 --> 0:21:06.520 a semi truck on the two ten freeway. But Johnny, 0:21:06.560 --> 0:21:08.720 before we get to that, there is actually some breaking 0:21:08.800 --> 0:21:12.640 Blotterer news as the LAPD and the DEEA are doing 0:21:12.720 --> 0:21:17.000 a massive drug rate in MacArthur Park right now, good 0:21:17.119 --> 0:21:20.840 clean that place out. The Feds are finally coming from 0:21:20.880 --> 0:21:24.520 MacArthur Park. All right, let's hear what Ed Lascos has 0:21:24.560 --> 0:21:28.200 to say about the attempted carjacking on the two ten. 0:21:28.520 --> 0:21:31.920 In Silmhar's the following and breaking news out of sill Mar, 0:21:32.040 --> 0:21:34.600 where police shooting has led to road closures on the 0:21:34.640 --> 0:21:37.080 two ten freeway. The westbound lanes of the two ten 0:21:37.240 --> 0:21:40.280 at Polk Street remained close tonight. It began before the 0:21:40.320 --> 0:21:43.879 thick of rush hour as a police investigation took place. 0:21:44.080 --> 0:21:46.280 Let's go live to Fox Lovem's Ed Alascos there and 0:21:46.320 --> 0:21:47.840 Silmar with more for us, Ed. 0:21:49.440 --> 0:21:51.920 And Marla. A quick update just moments to go. 0:21:52.320 --> 0:21:56.239 CHP LAPD reopening the two ten freeway, So all the 0:21:56.280 --> 0:21:58.879 westbound lanes here through the Silmar area on the two 0:21:59.000 --> 0:22:03.080 ten open again after a closure of almost seven long hours. 0:22:03.240 --> 0:22:07.080 They closed that part of the freeway for seven hours. 0:22:08.240 --> 0:22:11.119 That had to make that commute real peachy. 0:22:11.720 --> 0:22:14.120 Following a gunman who runs right onto. 0:22:13.920 --> 0:22:15.960 The well, you know you can always take the scenic route. 0:22:15.960 --> 0:22:17.880 You get off on Yard now and you drive past 0:22:17.920 --> 0:22:19.960 the juvenile Hall and then you get on the five. 0:22:21.560 --> 0:22:22.480 Have you noticed that. 0:22:22.400 --> 0:22:25.120 The crime blotter has just kind of been San Fernando 0:22:25.240 --> 0:22:26.119 Valley news lately. 0:22:26.440 --> 0:22:28.400 Yes, yes, I have noticed that. 0:22:29.440 --> 0:22:32.480 Following a gunman who runs right onto the freeway right 0:22:32.520 --> 0:22:35.040 in the middle of the traffic, trying to carjack the 0:22:35.119 --> 0:22:37.320 driver of a big rig let's start it off with 0:22:37.359 --> 0:22:38.520 the captain from LAPD. 0:22:38.760 --> 0:22:40.000 Listen there. 0:22:40.000 --> 0:22:41.560 I don't know their involvement, but I do know at 0:22:41.640 --> 0:22:43.639 least one motorists. He attempted a carjack. 0:22:43.720 --> 0:22:44.359 But this is crazy. 0:22:44.440 --> 0:22:46.320 Usually if you have these attempt at carjacking sits on 0:22:46.359 --> 0:22:48.240 a city street, dot it on the middle of a freeway. 0:22:48.440 --> 0:22:50.639 Certainly, I mean, it's certainly outrageous. We don't see this 0:22:50.720 --> 0:22:51.440 all the time. 0:22:51.480 --> 0:22:53.600 But we did see it right here, right in the 0:22:53.640 --> 0:22:55.880 middle of the two tent treeway. That's the suspect there. 0:22:55.880 --> 0:22:57.480 He's down, his hands up. 0:23:00.520 --> 0:23:03.160 And doing the play by play on arrest. You can't 0:23:03.200 --> 0:23:03.560 beat it. 0:23:04.640 --> 0:23:07.439 After running from police wanted on a drug warrant. 0:23:07.720 --> 0:23:10.000 It's at some point he runs from them. I don't 0:23:10.000 --> 0:23:12.080 know his exact rut of travel, but he goes down 0:23:12.080 --> 0:23:16.320 onto the freeway and that's where he confronts an uninvolved motorists, 0:23:16.600 --> 0:23:20.320 attempts to carjack him, while carjack that motorists while armed. 0:23:20.359 --> 0:23:22.760 By the way, this tells you how slow the freeway 0:23:22.880 --> 0:23:26.159 was moving that somebody could run onto the freeway and 0:23:26.240 --> 0:23:31.000 try to carjack somebody. You only can do that when 0:23:31.040 --> 0:23:34.640 the freeways moving about three miles an hour and you know. 0:23:34.600 --> 0:23:38.840 What people are doing during commute. They're talking on the phone, 0:23:39.000 --> 0:23:42.800 they're eating a breakfast sandwich, they're putting on their makeup. 0:23:43.080 --> 0:23:45.919 They're doing everything they're not supposed to be doing. And 0:23:45.960 --> 0:23:47.920 then all of a sudden, some nut tries to take 0:23:47.960 --> 0:23:50.800 your car from you while armed with a handgun from 0:23:50.880 --> 0:23:51.440 sky Fox. 0:23:51.440 --> 0:23:53.880 There's the handgun. See it down on the freeway. And 0:23:53.920 --> 0:23:56.240 it's not just any carjacking here. He is trying to 0:23:56.320 --> 0:24:03.160 jack the driver of this big rig. Hey, you're gonna 0:24:03.200 --> 0:24:05.119 go for it, go big Okay. 0:24:05.160 --> 0:24:07.800 Now, my guess is that driver wasn't putting makeup. 0:24:07.480 --> 0:24:10.080 On with LAPD hot on his tail. 0:24:10.520 --> 0:24:12.520 The officers gave him commands to drop the weapon. He 0:24:12.560 --> 0:24:15.960 didn't comply, and then an officer involved shooting occurred. At 0:24:16.000 --> 0:24:18.520 that time, the subject was struck by officers gunfire. He 0:24:18.600 --> 0:24:20.840 fount of the ground in close proximity to that weapon, 0:24:21.119 --> 0:24:23.200 and he still continued to not comply with officers. 0:24:23.320 --> 0:24:27.080 That's when the LAPD fires. It's forty millimeters less lethal round. 0:24:27.119 --> 0:24:29.439 There's the shell casing from that. It's right there on 0:24:29.480 --> 0:24:29.920 the freeway. 0:24:30.080 --> 0:24:32.120 That's why they shut down the freeway because they got 0:24:32.160 --> 0:24:33.600 to collect the shell casings. 0:24:35.080 --> 0:24:38.680 Good lord, marked by evidence marker number three. 0:24:38.880 --> 0:24:41.800 Look, you got the guy. I know you have to 0:24:41.800 --> 0:24:44.479