INSURANCE 'MYTHS' EXPOSED: SACRAMENTO'S POLICIES ARE THE REAL FAIRYTALE

Noozhawk, ever the diligent stenographer for the progressive state establishment, trots out CalMatters' latest masterpiece: '4 Myths about Insurance in California.' One practically needs a stiff drink to get through the intellectual gymnastics required to pretend that insurance companies are just capriciously raising rates, rather than, say, responding to a state that actively incentivizes risk and makes sound underwriting impossible. It's not a 'myth' that insurance is expensive here; it's a cold, hard, wallet-draining reality, and it's by design.

The 'myths' turn out to be reality, if you only bothered to connect the dots between Sacramento's endless, feel-good regulations and the balance sheets of companies attempting to provide a service. When the environmental lobby pushes policies that prevent proper forest management, resulting in more catastrophic wildfires, who exactly do they think pays for the charred remains? When the state makes it nearly impossible to factor in real-world risk, effectively forcing insurers to subsidize bad policy, should we be surprised when they pack up and leave? The only myth here is that California's government knows how to run a lemonade stand, let alone a multi-billion dollar economy.

Nowhere in Noozhawk's reprinted musings will you find the unvarnished truth: the insurance crisis isn't due to some vague, unstoppable market force. It's due to activist regulators, a lawsuit-happy legal climate, and politicians who prioritize virtue-signaling over sound economics. It's almost as if when you make a state uninsurable, insurers stop insuring it. Who knew? The real story isn't about 'myths,' but about the self-inflicted wounds of a state government more concerned with progressive dogma than protecting its citizens' homes and pocketbooks. And as long as they keep printing these fairy tales, we'll keep paying the price.