Except the state normally (I have no idea of the current situation with California) won't let the insurance companies accurately price the high risk areas becau

Except the state normally (I have no idea of the current situation with California) won't let the insurance companies accurately price the high risk areas because the voters will scream at the insurance bill. Eventually it reaches a point where the state puts so much burden on the insurance company that they decide it's uneconomic to operate there and leave. Any insurance company refusing to write should be interpreted as a whack with a clue-by-4.