{"id":81217,"date":"2025-12-04T11:16:07","date_gmt":"2025-12-04T11:16:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-ca\/81217\/"},"modified":"2025-12-04T11:16:07","modified_gmt":"2025-12-04T11:16:07","slug":"how-the-insurance-crisis-overtook-california","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-ca\/81217\/","title":{"rendered":"How the insurance crisis overtook California"},"content":{"rendered":"<p>Insurance Commissioner Lara\u2019s 2023 regulatory overhaul promised to ease California\u2019s insurance crisis but instead delivered major concessions to the industry.<\/p>\n<p>Under Lara\u2019s watch, the state\u2019s insurer of last resort exploded from 123,657 policies in 2019 to over 645,000, leaving January wildfire victims underinsured.<\/p>\n<p>Six of nine insurers filing under new rules add zero new policies in high-risk zones despite receiving the requested rate increases.<\/p>\n","protected":false},"excerpt":{"rendered":"Insurance Commissioner Lara\u2019s 2023 regulatory overhaul promised to ease California\u2019s insurance crisis but instead delivered major concessions to&hellip;\n","protected":false},"author":2,"featured_media":81218,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[7,9,8,46393,21403,46390,46388,3285,28095,46389,63,46391,32627,5409,46392,225,23610],"class_list":["post-81217","post","type-post","status-publish","format-standard","has-post-thumbnail","category-california","tag-california","tag-california-headlines","tag-california-news","tag-high-risk-zone","tag-industry","tag-insurance-commissioner-lara","tag-insurance-crisis","tag-insurer","tag-lara","tag-last-resort","tag-los-angeles-times","tag-major-concession","tag-new-rule","tag-policy","tag-regulatory-overhaul","tag-state","tag-watch"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts\/81217","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/comments?post=81217"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts\/81217\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/media\/81218"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/media?parent=81217"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/categories?post=81217"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/tags?post=81217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}