I am concerned about the continued rising cost of insurance premiums. I have written to the California State Insurance Commissioner along with our congressmen to ask what can be done.
My own personal insurance premiums with bare-bone coverage cost almost as much as my car is worth. And further because I live in a high accident area of Los Angeles--my premiums for liability and property damage are a $200 a year more than someone who lives, for example, in Glendale. Yet because I don't like driving freeways I live only six blocks from my work and I often walk.
Others with fixed incomes or pensions suffer the same increases. Since they cannot afford to pay as much as $600 plus a year--they simply don't get insurance.
Another case I am familiar with was involved in an auto accident with a person who had no car insurance. His insurance company received a claim that it felt was so outrageous it went to court. And lost!