KFI a.m. 640. You're listening to the John Cobel podcast on the IHeart Radio app.

I didn't watch this this morning. I didn't have time, but I'm looking at the video of Elon Musk hosting Trump's cabinet meeting wearing a baseball cap.

It's all these stiff suits staring up at him. It's casual Wednesday. I know.

Life has become a cartoon. It's the John Cobalt show, KFI,

AM 640 Live, everywhere on the IHeart Radio app. We are on from one until four o'clock. And then after four o'clock, we become a podcast, John Cobalt Show on Demand on the IHeart app. And you can listen to what you missed.

The podcast is the same as the radio show.

Now we're going to talk with Carl DeMio.

Because as you know, the insurance in this state is an absolute disaster.

We have an idiot as insurance commissioner. We have all kinds of, we've got a proposition

that was passed, oh God, almost 40 years ago that puts some serious price controls on the

insurance companies when it comes to charging premiums. Everybody still thinks it's way too

expensive. You saw what happened in the palisades. The insurance companies were canceling

in advance of the fires or not choosing not to renew. And with all the natural disasters we've had,

it is difficult for a lot of people to get any kind of affordable life insurance,

affordable home insurance. And if they do, you find out like in the fair plan, it doesn't

really cover that much. A lot of people, the Palisades, are finding that out. I think they're

only getting two or three million dollars. Big, big mess. Let's talk to Carl DeMaio. He's the

Republican Assemblyman. He's talk to Carl DeMaio. He's the Republican Assemblyman.

He's got a bill that would seriously reform the insurance industry and try to stabilize the rates.

Carl, how are you?

Hey, thanks for having me on.

Summarize in a way that the average person could understand, what are the big issues with insurance in California?

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