Expert says Colorado is on the brink of an insurance crisis similar to California

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  • Опубліковано 9 січ 2025

КОМЕНТАРІ • 154

  • @ray3576
    @ray3576 День тому +44

    They leave places where they might actually have to give people the services they are paying for?

    • @chupacabra304
      @chupacabra304 День тому

      Kinda like how Health insurance “providers” essentially use a random number generator to determine if you’re covered after paying into the scam for years possibly decades! Only to be told you’re not covered

    • @GenghisGaming
      @GenghisGaming День тому +2

      Wouldn’t be good for their bottom line.

    • @hippieJOSH420
      @hippieJOSH420 11 годин тому

      ​@@GenghisGamingso you're saying that they're bottom line is just a scam people out of payments and never actually pay out for anything?? Guess I'll be dropping all my insurances tomorrow then

    • @WXSEDY
      @WXSEDY 9 годин тому

      In case you don't recognize it, it's called _GAMBLING!_ When you start to loose, you learn pretty quickly to cover your losses and get the heck out of the game!

  • @brianmccabe1263
    @brianmccabe1263 День тому +53

    Politicians should probably do something about that, but alas insurance companies are in their pockets and will not do anything.

    • @SpartacusColo
      @SpartacusColo 21 годину тому +2

      Communities should do something about it: volunteer fire departments, intelligent community development plans, etc. People are too lazy, and "Can't someone else do it?" has become the modern motto. Government "fixing" won't fix it.

    • @HypeBeast764
      @HypeBeast764 18 годин тому +1

      Yeah. That’s literally how America works. Always has been dude

    • @WXSEDY
      @WXSEDY 9 годин тому

      That's the typical complaint of the terminally _stupid:_ "Politicians should probably do something..." NOT that lawmakers should have _done_ something before a crisis. _DON'T misunderstand!_ The fact that a _politician_ is somehow the first person to call when something goes wrong is almost predictable of someone who can't be bothered to "do something" and _think!_ (It's kinda ugly and way too common.)
      Let me be clear! _LESS_ government = _MORE_ freedom! More freedom = more competition! And more competition = _better prices!_ So take that "government shudda" crap and stuff it! "Government isn't the solution to anyone's problems - government _is_ the problem!" - R.R.
      And as far as this insurance story goes, were you ever even reminded of what the net worth of the insurance industry as a whole is worth? Do you think it might have colored the story a little _differently_ knowing that the entire industry is currently worth about $2.2-trillion dollars? That's just under TEN PERCENT of the current _national debt_ (now sitting at about $24-Trillion)! Go ahead, look it up.
      This insurance "crisis" seems to be more about someone charging money to cover a potential (gambling) debt and now that it's getting a little too costly they don't want to pay that obligation, all because they can't do simple math or something. I have no doubt there's also a greed factor. But make no mistake, there are already laws in place to discourage this sort of thing - we _don't_ need more! (Pssst! That's the sort of thing they want you to believe so that any powers-that-be can take _more_ power!)

  • @SpartacusColo
    @SpartacusColo 21 годину тому +33

    Don't forget auto insurance! I see a staggering amount of unregistered vehicles on the road: If they're not bothering with their tags, I guarantee they aren't bothering with their insurance. And, reckless driving is now completely normal!

    • @michaelback283
      @michaelback283 17 годин тому +2

      I think you might of misunderstood what is happening. It's not that people don't want the insurance coverage for natural disasters. The insurance companys are dropping coverage to not have to pay out to the people

    • @bcc7777
      @bcc7777 16 годин тому

      People driving without auto insurance likely down own their homes.

    • @nunya8903
      @nunya8903 14 годин тому +2

      A LOT OF ASSumptions here.

    • @loveforthegame3
      @loveforthegame3 8 годин тому

      Yup, I dont ride with insurance either. Or pay to register my vehicle. I own my vehicles outright and am not paying upwards of 300$ a month to drive. Sorry.
      Best be extra careful on the roads!

    • @SpartacusColo
      @SpartacusColo 7 годин тому

      @@michaelback283 And as more insurance agencies have to pay out for other uninsured drivers, who happen to drive like they stole the car, the people who are paying have their premiums go up. At some point, the bottom falls out of that one, too!

  • @kimberlyg.3820
    @kimberlyg.3820 4 години тому +2

    My agent told me two large carriers are no longer writing new business here in CO. I have never filed a claim and have excellent credit and my rates nearly doubled this last year even with doubling my deductible. A bit unsettling.

  • @mmmmmmmmmmmmm3333
    @mmmmmmmmmmmmm3333 16 годин тому +11

    Time to call Luigi

    • @WXSEDY
      @WXSEDY 7 годин тому

      I think you might need a bat (crap crazy) light for that. 🦇🦸

  • @Ric0121
    @Ric0121 День тому +29

    The problem is not natural disasters. The problem is how much housing and vehicles prices have increased in such a short amount of time, therefore a total loss is very costly for insurance companies.

    • @KILLKING110
      @KILLKING110 День тому +2

      yep them boomers are finding out overpriced houses are expensive to keep insured

    • @hayemofackel
      @hayemofackel День тому

      The problem is that Californians are too stupid to realize that they are the reason their state sucks. So they move here and continue the cycle

    • @brianmccabe1263
      @brianmccabe1263 День тому +1

      Not when they are making hundreds of millions in profit every year.

    • @ASMRSadie
      @ASMRSadie День тому +5

      Seriously?! I still can’t believe my rent went from $1800 to nearly $3000. It’s not going to go down next year or ever.

    • @alphaomega5909
      @alphaomega5909 День тому

      ​@@KILLKING110LOL. I'm a "Boomer" per se. I'm a 92 yr old Curmudgeonly #NavyVeteranKorea . My homes on actual Lake Michigan, Grand Haven. I can still afford my insurance. It's the Youngsters that can't. 😅

  • @curly__3
    @curly__3 23 години тому +15

    If polis wasn't trying to price everyone out of their homes along with the rest of the UN/WEF governors, he would take the insurers to court and stop this immediately. The insurance companies are committing a crime. They cannot charge you for a service for years that you never use and then price you off it and take the money. That is not legal.

    • @Politics-qi4jm
      @Politics-qi4jm 17 годин тому +2

      Yes, it is legal. The problem is that government allowed developers to build homes in fire zones. They had no business building in these areas that are too high risk to insure. No one should have been able to populate these areas. It’s like a developer building a massive subdivision in a swamp area and then the homeowners expecting flood insurance. You can’t blame the insurance companies for not doing business in areas known for fire wildfires. They’re actually the only ones with any common sense in this scenario. This boils down to incompetent, greedy local governments who just wanted new property tax revenue, and greedy land developers. This is why you don’t let stupid liberals run your zoning and planning department.

    • @WXSEDY
      @WXSEDY 9 годин тому

      @@Politics-qi4jm Not that the entire insurance industry might be a small lesson in how _communism_ works or anything... To each his ability _to pay_ - to each his need _for some money!_
      Not that _gambling_ with a little house money can't be fun or anything - just ask a Congress critter.

    • @curly__3
      @curly__3 8 годин тому

      @Politics-qi4jm that is quite honestly, the most uneducated, illogical, hillbilly comment I have read in probably a year.

  • @acftcc419th
    @acftcc419th День тому +13

    And that’s not all folks. It’s the vehicle insurance market place next.

    • @kimberlygabaldon3260
      @kimberlygabaldon3260 День тому +4

      The auto insurance is already terrible, because of people driving with no license or insurance.

    • @SpartacusColo
      @SpartacusColo 21 годину тому +1

      @@kimberlygabaldon3260 Correction: "Driving like idiots with no license or insurance."

    • @bcc7777
      @bcc7777 16 годин тому

      I pay $750 for three cars and two of them only have liability. Can't imagine what it will be when I have another kid driving. 🙄

  • @kjnoah
    @kjnoah День тому +22

    Insurance has always been a scam. They are just gambling and want to be sure the house always wins.

    • @alphaomega5909
      @alphaomega5909 День тому +1

      Well,lol. TRUE. But if you're a True American Capitolist/Investor? It's how to roll n make $. Ain't Cold Blooded Unfettered American Capitolism n Greed Grand?😅😅 For Corporations. Regular Americans? Oh well.😅😅

    • @kjnoah
      @kjnoah День тому +3

      @@alphaomega5909 Agreed, the government control I want is on corporate freedom, not individuals. If we made a law that required corps to reinvest everything over 10% profit into their workers, the system would stabilize. Insurance should be optional and illegal to force and suddenly it would be cheaper.

    • @curly__3
      @curly__3 23 години тому

      ​​@@kjnoah...wrong. if you had 10 percent more money going to a largely unproductive workforce like the US, it would create out of control inflation. About 54 percent of US adults live in some form of fixed income. Meaning they cannot keep up with inflation. The workers themselves would not be able to keep up with the inflation they created. We've seen this story over and over again in this country... I've seen it 4 times and I'm not even 50. It is all caused by fascist government bailouts and never letting companies fail. We bail them out and then we borrow to pay it off which increases the money supply which causes inflation. Which is a tax that is taken directly from your bank account that was never approved and it is called corporate welfare.

  • @LFGLife
    @LFGLife День тому +8

    I live in Coal Creek Canyon. Our insurance company dropped us and the new one charges us about half of our mortgage.

    • @jittcrazy1882
      @jittcrazy1882 16 годин тому +1

      What's less half your mortgage over time or your home... If you're paying half 2k let's say times 12 months is 25k, you can gamble 30-40 years of fire and save it yourself or pay insurance. You chose what you chose 👌

    • @jittcrazy1882
      @jittcrazy1882 16 годин тому

      Sell it you can't afford it and move downsize 😂

    • @bcc7777
      @bcc7777 16 годин тому

      That's even the case in Centennial/Aurora area. I pay $800 mortgage and $800 in taxes and insurance, so about the same. Sad we can even truly own our houses anymore.

    • @bcc7777
      @bcc7777 16 годин тому

      ​@@jittcrazy1882downsize to what? I tried to "downsize" two summers ago and would not even have broken even. So, we're supposed to move to another state?

  • @BjornStyrmir
    @BjornStyrmir 21 годину тому +5

    Insurance is a scam! I lost my home in a fire that my neighbor started I had renters insurance for my property in that place I was renting. When I went to go get insurance for a home I bought I was told that I was uninsurable because of my renters insurance claim. I had to get insurance from a company from Germany because they understood what happened and that the fire was not my fault. A FREAKING COMPANY FROM GERMANY.

  • @SENDITorBENDIT
    @SENDITorBENDIT День тому +7

    HOA is going up bc these companies are pulling out and ones that stay are jacking up prices 10X

    • @WXSEDY
      @WXSEDY 8 годин тому

      Not that every single HOA hasn't got a slightly greedy management company / property manager pointing a direction or a few complete idiots making any decisions or anything. Don't think so? Just try and find out what even a bad property manager makes each year. (Trust me, it's _also_ a bit of a scam, all by itself!)

  • @MilanJackson-wn7zn
    @MilanJackson-wn7zn День тому +41

    This is what californication is like

    • @ASMRSadie
      @ASMRSadie День тому +1

      No this is what corporate greed is like. Not even remotely similar to California. Way bigger population. World’s wealthiest. Just hella illegals and crimes. Unfortunately police here can’t handle it or refuse to unlike in California. Worst thing there is is being put on hold on a 911 call.
      Here it’s people being kidnapped and held for months in Aurora and they know but refuse to even attempt to help.

    • @bwt6885
      @bwt6885 День тому +1

      What does this even mean? Elaborate.

    • @ASMRSadie
      @ASMRSadie День тому

      @ I think it’s a quick generalization. Because statistically it’s different. Policies are vastly different. Surely you wouldn’t see any sort of authority allowing some punk teenager wannabe gangsters take over a building for several months. Not even a day there! Lol Though LA 911 is known for putting callers on hold because they have like 5 times the amount of citizens as Colorado.
      And um a sh*t ton of illegals. Yeah most non Hispanic kids just grow up knowing many Mexican culture things. Like cooking and recipes because Mexico is a neighbor and illegal Mexicans are 2x as common as Venezuelan and other migrants here.
      Also you can pay like $5k a month for a studio closet in the ghetto where you only have to dodge drive by bullets every other night.
      Colorado we have had a dramatic uptick in violence since welcoming over half a million illegals. Can pay almost $3000 for a decent ok sized apartment. Following close behind.
      Though there they seem to know how to manage funds too. Like here they froze childcare assistance. California has plenty to go around. Here we are turning hungry and homeless away from resources because half a million foreigners. There they have a lot of homelessness.

    • @milehighboost5521
      @milehighboost5521 День тому +1

      You make no sense. You act like californias are being in wildfires or hail storms. Give me a break!

    • @Jantv81
      @Jantv81 День тому +4

      California has gone so far downhill that Colorado will follow on costs. Corrupt Government doesn’t help!

  • @truth4502
    @truth4502 22 години тому +4

    I've own 4 homes, paid crazy amounts of money for insurance and never had one claim. Where's the accountability for insurance companies? How can I pay for something I never use and then they claim they're broke? Where is everyone's money going?

    • @stown308
      @stown308 14 годин тому

      If you never file a claim you should be legally entitled to get %50 of your money back. This should be law with any insurance. Car health property life any of them. Big scam.

  • @fixpacifica
    @fixpacifica 23 години тому +4

    I live in California and my home insurance has doubled in two years.

  • @bobbullethalf
    @bobbullethalf 20 годин тому +2

    I think the insurance companies are colluding with politicians to make things quite difficult for us homeowners. It is almost not worth owning a home with the increased costs and maintenance issues that you have to take on. With the hail damage, the fire risk and all the other things that can go wrong with a home. It has become too much and everyone is going broke with just too much house.

  • @edwardduda4222
    @edwardduda4222 23 години тому +5

    Insurance isn’t profitable when people need it.

  • @jeffgutierrez8796
    @jeffgutierrez8796 20 годин тому +3

    I'll break away from my insurance company... They do nothing anyway.

  • @ritaperez6775
    @ritaperez6775 День тому +4

    The state Insurance Commission has no power in Colorado.

    • @WXSEDY
      @WXSEDY 7 годин тому

      I'd love it if you could connect the dots for us on that.
      ... Not that we need any more reasons to hate XCel Energy or the PUC or anything. 🙃

  • @Noneya777
    @Noneya777 17 годин тому +1

    There needs to be a government backed reinsurance of sorts. The other option would be federal laws that require that profitable insurance companies have to write a certain number of policies in states like Colorado and California or they can't write in lower risk states, etc. Without government intervention, middle and even upper middle income may no longer be able to live in the state, especially in the more desirable area.
    Fixed profit allowances isn't unheard of especially on essentials like home and auto insurance that hurt the majority of Americans. Let the insurers make their money on the other lines of business, investments, etc.

  • @christinamorales6887
    @christinamorales6887 17 годин тому +2

    Car insurance is almost the car payment

  • @davidgartner2422
    @davidgartner2422 15 годин тому +2

    They're facing losses, while the typical Insurance company CEO continues to pull down around 20 Million per year in "compensation".Wah Wah.

  • @ESUNintel
    @ESUNintel День тому +2

    My “insurance professional” is a complete airhead; probably the last person I want to talk to. Only reason why I keep them around is because there aren’t many insurance companies still offering $1k deductibles, now they all charge a certain percentage, which could mean needing to have thousands of dollars available in case something were to happen - not ideal in a time of crisis.

  • @JustLivingLife81005
    @JustLivingLife81005 16 годин тому +1

    2023 profits of 3 publicly traded insurance companies (2024 results are not out) they are not losing money as a whole. Travelers annual gross profit for 2023 was $15.149B, a 7.98% increase from 2022, Allstate annual gross profit for 2023 was $14.953B, a 14.1% increase from 2022 and Chubb produced another year of record financial results in 2023 which topped $9.3 billion.

  • @canyoncruzr3462
    @canyoncruzr3462 18 годин тому +3

    Best politicians money can buy.

  • @havok5565
    @havok5565 5 годин тому

    We need to put the insurance companies in check.

  • @VictorTucker-o6h
    @VictorTucker-o6h День тому +5

    Insurance has always been for the rich to play with someone else’s money. It is not about protecting a client. Take a close look at Buffet. He is rich because of the insurance companies he has owned. Now that the stock market and the US solar is dead, they are not winning. Charge more so that they can play with your money.

    • @VictorTucker-o6h
      @VictorTucker-o6h День тому +2

      Auto correct won’t let me type dolllar on that. It keeps changing the word.

  • @user55890
    @user55890 19 годин тому +2

    The forests are filled with dry tinder (6-14inches of dry pine needles) and all of the Junipers are killing every other tree species we have. Where's the taxes going to?

  • @alextravine9422
    @alextravine9422 17 годин тому +8

    You get what you voted for. Colorado seems to idolize california. Its not a huge mystery that the same horrible situations are going to happen in colorado that you see in california. Like duh....

    • @WXSEDY
      @WXSEDY 8 годин тому

      When a sizeable number of California residents decide to move to Colorado with those same California values, it's not an idolization that's going on - it's an _invasion!_ I also don't think Colorado residents necessarily voted for it either - more likely, residents of Denver metro (including Boulder) did!

  • @susanbrown2578
    @susanbrown2578 19 годин тому +3

    Time to leave this hi tax, hoa hellhole.

  • @hippieJOSH420
    @hippieJOSH420 11 годин тому

    Pulling insurance for something that they insured you for because not because it happens daily but there is a chance that it could happen is absolutely ludicrous. So if I live on top of a mountain and I get flood insurance and then the sea levels rise so that the water is by my house and you're going to drop flood insurance that I've paid for for the last 20 years because now there might actually be a flood. Tell me that ain't some sort of scam by the insurance companies

  • @HighDiver5555
    @HighDiver5555 2 години тому

    “Pulling out to avoid loses”
    They never cared about our stuff, they only ever cared about making money.

  • @hippieJOSH420
    @hippieJOSH420 11 годин тому

    So by providing insurance resources do you mean that you're putting out resources for pro bono lawyers to be able to sue the insurance companies for scamming people into making payments but then pulling their insurance out from under them when there might be an actual risk?? Or are you just providing services that are going to sit there and alibi that this is totally fine?

  • @nativestacker4185
    @nativestacker4185 16 годин тому

    Insurance companies make Billions , they should not be allowed to pull out when the going gets a little rough . Could you imagine if everyone did this ? Bus companies would shut down if there were too many pot holes , Auto Repair Sops would shut down because cars are coming in with too much oil leaking on their floors , all the airports would shut down because wind got higher than 20 miles per hour, Welders would shut down because there is a little film of rust on a piece of metal . It would be Madness !!! Personally I think they are just setting us up for a massive raise in premiums that are already too high . Maybe we should all band together and demand Insurance Reform !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  • @tarawhite4419
    @tarawhite4419 19 годин тому +2

    This is what happens when you do deals with china

  • @kkirsch3583
    @kkirsch3583 11 годин тому

    Have you seen Castle Pines? It looks just like the Palisades and I fear for them the same way…

  • @Joleen-sg2db
    @Joleen-sg2db 19 годин тому +4

    The people who don't live in the mountains have their insurance rates go up to build up a bigger pool of money to pay the damages that people living in the mountains suffer.

    • @kkirsch3583
      @kkirsch3583 11 годин тому

      Ignorant. The Marshall Fire obliterated the better part of an entire neighborhood and I assure you not one millionaire was among them. Stop being such an ignoramus.

  • @martindavis9930
    @martindavis9930 День тому +1

    Or you could just live in the park...in a refrigerator box...?

  • @JeffC-fq1be
    @JeffC-fq1be День тому +1

    Insurance, not "INsurance."

  • @Dave--gp1qx
    @Dave--gp1qx 18 годин тому

    Just took a 5% of value deductible with Farmer Insurance in Colorado and cut my premium by more than 50%.

  • @paulalascola6714
    @paulalascola6714 14 годин тому

    People need to start writing to the insurance comminissioner of the United States because they can take their license away

  • @loveforthegame3
    @loveforthegame3 8 годин тому

    Have been without insurance for 2 years 😂.
    Paying for something you dont recieve is theft.
    Insurance company board members best keep their head on a swivel. You can only poke the bear so many times before you get mauled 😂

  • @christinamorales6887
    @christinamorales6887 17 годин тому

    It’s the same in Florida because of the hurricanes 🌀

  • @book_worm22
    @book_worm22 День тому +5

    Somehow Colorado always finds a way to include themselves in every big news story around the country. Sick

    • @DissYraiN
      @DissYraiN 20 годин тому

      How low is your iq? This is a local news station reporting information that impacts local residents. UA-cam put the video on your feed.

    • @DissYraiN
      @DissYraiN 20 годин тому +2

      And now that you watched and commented on the video, you will see more local colorado stories.

  • @huckfin1598
    @huckfin1598 20 годин тому +2

    Oh no, rich people in desirable areas realizing it’s expensive to insure their mega mansion.

    • @Turk_
      @Turk_ 16 годин тому

      Its poor people too. An extra 200 a month hurts.

  • @dragoonseye76
    @dragoonseye76 11 годин тому

    Insurance fraud from the insurance companies, I’m guessing

  • @thatsme4029
    @thatsme4029 10 годин тому

    how do they say cali fires wont affect colorado ??!!? it affects the whole usa

  • @dragoonseye76
    @dragoonseye76 11 годин тому +1

    First problem is the HOA model

  • @BajatheChickenMan
    @BajatheChickenMan 16 годин тому

    Insurance is a house of cards.

  • @FlipMacz
    @FlipMacz 16 годин тому

    Good!!! Let's go back to no-fault car and home insurance. Everyone takes responsibility for themselves. Send the insurance companies to their knees.

  • @renalangstaff730
    @renalangstaff730 23 години тому +1

    Insurance should not be manditory. Insurance companies should be sued they take enough money

  • @gregecc7450
    @gregecc7450 16 годин тому

    Insurance company’s facing loses. Insurance should not be a for profit industry.

  • @AdamuDNA
    @AdamuDNA 19 годин тому +2

    Hmm. You adopted California politics. What did you think would happen. Political Theft. That’s what happens.

    • @Turk_
      @Turk_ 15 годин тому

      Its not politics, its a conspiracy among insurance companies to wring people out.

  • @RobertMilfeld
    @RobertMilfeld День тому +1

    DEW’s prevail

  • @johnking6252
    @johnking6252 19 годин тому

    I've been dropped twice now in the last 3 years as they no longer do business in Colorado? Basic auto insurance has rose appx 100% , add that to the price of groceries and WTF ! Yet companies are recording record profits and the stock market is soaring? WTF! And you can't blame it on one side or the other it's a culture of America's business IS business and evidently America sucks at business. Just saying...RIP Amerika 🙏. How about we make something other than war material ❓

  • @AngelFreak-g1x
    @AngelFreak-g1x 18 годин тому

    Insurance is a scam

  • @LolisFirebooks-g8s
    @LolisFirebooks-g8s 10 годин тому

    Greed

  • @DgurlSunshine
    @DgurlSunshine День тому

    NO

  • @bengoolie5197
    @bengoolie5197 18 годин тому +1

    Colorado got what it voted for; No Repub mayor of Denver since 1960, and the last Repub governor 26 years ago, and he was an out and out RINO.

  • @ItsFinished
    @ItsFinished День тому +9

    What else would you ecpect with Jared polclimber as governer.

    • @bwt6885
      @bwt6885 День тому +1

      @@ItsFinished Are you one of these mouth-breathing halfwits who's rooting for the Gulf of America, forgetting all about promises to end wars and lower inflation? Move to TX, please.

  • @ubiquitousbiscuit
    @ubiquitousbiscuit 16 годин тому

    I wouldnt be surprised to see someone named mario take aim at a home insurance CEO after losing their home after their coverage is pulled and bank repos.