“We Are OUT!” - California Insurance MELTDOWN: The FAIR Act Causes Insurance Giants To Abandon State

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  • Опубліковано 15 вер 2024
  • California auto insurance rates are skyrocketing, with a projected 54% increase by the end of the year. The Home Team discusses the underlying causes, including increased claims, storm damages, and costly repairs, while addressing the broader implications for Californians and the insurance industry.
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КОМЕНТАРІ • 3,9 тис.

  • @kidsniffer2654
    @kidsniffer2654 12 днів тому +660

    How can anyone, with an ounce of common sense, say that anything in this country has gotten better over the last 4 years.

    • @TheTopPercentt
      @TheTopPercentt 12 днів тому

      It seems the population has become increasingly stupid

    • @chasmcgregor5266
      @chasmcgregor5266 12 днів тому +30

      Well atleast you know the ones who say that are the ones you don't vote for

    • @walkingwithstarz935
      @walkingwithstarz935 12 днів тому

      Only DEMONS-cract politicians and supporters say that. The no sense, hypocrites, racist and elites are also saying that.

    • @twentiethcenturygirl1
      @twentiethcenturygirl1 11 днів тому +16

      TDS

    • @Rapturetjmoore
      @Rapturetjmoore 11 днів тому +12

      Exactly I see comments from people saying that their portfolio is booming, I just laugh at their LIE'S

  • @nickwells20
    @nickwells20 12 днів тому +1320

    It is insane that people will blame the companies and not the politicians

    • @noelvoss6744
      @noelvoss6744 12 днів тому

      Most people don't understand economics.

    • @phila1003
      @phila1003 12 днів тому

      Why is it insane? Biden spent his entire presidency demonizing corporations. People believe this stuff.

    • @Coolguy8623
      @Coolguy8623 12 днів тому +36

      Its totally the politicians faults💯💯💯

    • @logangodofcandy
      @logangodofcandy 12 днів тому

      They don't understand basic economics. That's how being a democrat works

    • @marcellabrowning315
      @marcellabrowning315 12 днів тому +19

      They have formed partnerships in recent years. It one of the biggest sources of our troubles. Glen Beck included this in a recent video that is a fantastic overview of the structure of power.

  • @donnal7414
    @donnal7414 12 днів тому +79

    As a Californian I can attest to the fact that my homeowners insurance, after over 20 years of continued insurance with them and zero claims, was cancelled a few years ago. The only option was the California Fair Plan and it's expensive. We just received our renewal policy- it went up 30 percent in one year.

    • @dks13827
      @dks13827 10 днів тому +4

      how much is it ?

    • @almcdonald8676
      @almcdonald8676 6 днів тому +1

      Get out now

    • @kendgabe822
      @kendgabe822 5 днів тому

      @@almcdonald8676was just gonna write that.

    • @williamFair-t4h
      @williamFair-t4h 5 годин тому

      Pathetic.
      You’re a complete hypocrite to attest anything.
      As a Californian, let alone a United States citizen, y’all are responsible for this bullshit.

    • @williamFair-t4h
      @williamFair-t4h 5 годин тому

      And CAN STOP IT and CHANGE IT!!!

  • @cleverja
    @cleverja 12 днів тому +1148

    I left Cali in 2021, I make less but I have more money. Must be all the Cali tax. Best financial decision I ever made

    • @mustangracer5124
      @mustangracer5124 12 днів тому +49

      Same in 2020.. saved about $4,000 a yr!

    • @CrabFiles
      @CrabFiles 12 днів тому

      That is exactly what they wanted... They are pushing out their political opposition...

    • @aeerjordan4994
      @aeerjordan4994 12 днів тому +10

      How much do you guys make annually now? And then?

    • @user-pw2bq1gz4b
      @user-pw2bq1gz4b 12 днів тому +34

      Where did yall go ? I have to escape with my baby soon

    • @CrabFiles
      @CrabFiles 12 днів тому +24

      They are driving out their political opposition...

  • @drunkwolf2477
    @drunkwolf2477 12 днів тому +1030

    Newsome is literally the Captain of the Titanic and is aiming the ship right at the ice berg, and laughing.

    • @runawayrick2461
      @runawayrick2461 12 днів тому +29

      No he's not. He is the shallow tip of the iceberg in seemingly calm waters. He's very deceptive as to his true damage capability.

    • @tapantera
      @tapantera 12 днів тому +11

      he likes the white powder allegedly. that's probably the least bad thing he does.

    • @truthseeker4280
      @truthseeker4280 12 днів тому +1

      You really think a Republican will fix this situation right away ?. Anyone who believes that can check the bridge for sale out there in Brooklyn.

    • @SamuelClemente7718
      @SamuelClemente7718 12 днів тому +11

      @@drunkwolf2477 im from California. Live ur life. Dont come here.

    • @runawayrick2461
      @runawayrick2461 12 днів тому +8

      @truthseeker4280 who said vote republican? Vote for the person not the party. Party lines have pushed us to far from each other. If you are afraid that if you don't pick a side that you will not be represented, then you've already lost. The parties must fear the voters.

  • @larrybittke7760
    @larrybittke7760 12 днів тому +26

    I left California when I was 41 and have lived in Idaho almost 30 years. I have budgeted my finances to account for lower wages and have enjoyed my residence here. I miss the good things I experienced there but the taxes, fees and cost of living in California have become so prohibitive I’m staying put.

    • @TexasGurlAlwaysAndForever
      @TexasGurlAlwaysAndForever 10 днів тому

      You nailed it. Move to a better state and learn what living within your means is like. Idaho is a great state!!

    • @sovereignrage1787
      @sovereignrage1787 6 днів тому

      ​@@TexasGurlAlwaysAndForeverthat's allstates stand... r u in good hands? 🥴

    • @TexasGurlAlwaysAndForever
      @TexasGurlAlwaysAndForever 5 днів тому

      @@sovereignrage1787 🤣staying on our toes while dodging hurricanes and liberals.

  • @jimbo4100
    @jimbo4100 12 днів тому +342

    Leaving CA this month. Driven out by crime, taxes, regulations, policies taking away parental right & control and giving them to school boards/admins, doctors, therapists, and courts. If you have children you'd be a fool to stay.

    • @jolene856
      @jolene856 12 днів тому

      Just don’t leave and vote democrat in the next state. The reason California is the way it is, is because of the democrats!

    • @TwistedSense
      @TwistedSense 12 днів тому +28

      Almost sounds like some design to get rid of all the middle class families, #GetTheNormiesOut doesn't it?

    • @coach20348
      @coach20348 12 днів тому +21

      Im leaving today. Taking a break from packing my car to watch.

    • @saikame5833
      @saikame5833 11 днів тому

      Please don't come to my state and then Vote democrat and vote for the same policies that turned California into a dumpster fire ... this is already happening, we don't need more crazy Californians here. ROFL jkjk.

    • @goldfishblue9227
      @goldfishblue9227 11 днів тому

      Only reason I see people live in California its because of nature that’s all Cali has to offer

  • @livwilde8267
    @livwilde8267 12 днів тому +356

    been paying insurance my entire life.. never had a car accident, biggest scam in history.

    • @CrabFiles
      @CrabFiles 12 днів тому +20

      Just get a bond... That is all the insurance company is doing, bonding you...
      However, most people can't afford a 30 or 60k bond to drive, hence the insurance company...
      Some states just require a surety bond or a cash deposit...
      California: Allows for a $35,000 surety bond or cash deposit with the DMV.

    • @richotter
      @richotter 12 днів тому +10

      @@CrabFilesthat’s interesting I haven’t heard of that before. That would be a great option if we did have that kind of money to put down.

    • @CrabFiles
      @CrabFiles 12 днів тому +9

      @@richotter All of the insurance stuff is just a way to let people who can't afford a surety bond...
      If people had money, they wouldn't need health insurance, car insurance, and mortgage insurance :P

    • @Carlos559Caps
      @Carlos559Caps 12 днів тому +2

      @@richotter some of the ultra-wealthy can prove funds and essentially self-insure in most states, although insurance can get rid of lots of headaches when situations do occur..

    • @ar053x
      @ar053x 12 днів тому +22

      u r lucky, bcuz if you get in a crash, even if it is someone else's fault and they admitted to police, your insurance will still go up, it is criminal.

  • @SurpriseMechanics
    @SurpriseMechanics 10 днів тому +68

    If insurance is getting this expensive, it should no longer be mandatory

    • @mikep2262
      @mikep2262 9 днів тому +5

      What? And what happens when you get hit by an uninsured driver?

    • @strawberrycough8911
      @strawberrycough8911 8 днів тому

      @@mikep2262you sue. I’m uninsured 6 months now. They raised my rates to 600$ a month (LIABILITY, not even full coverage!) on a 10,000 Acura. That used to be rent on a 1 bedroom a few years ago. I’m 21 and I’m not gonna pay that, sorry. If I’m dumb enough to cause an accident I’d fully expect to get sued. And vice versa. WTH are we doing allowing ourselves to be scammed like this. I’m not gonna bow down and pay up. It’s been cheaper paying tickets for no insurance than actually having insurance. That’s how I know this is out of control.

    • @Bat0541
      @Bat0541 7 днів тому +2

      That sounds well and good until you end up in a crash.

    • @MattBaker-zd8nq
      @MattBaker-zd8nq 6 днів тому

      I drive a badass chevy Silverado I am tired of these slimballs with no insurance or a drivers license

    • @MattBaker-zd8nq
      @MattBaker-zd8nq 6 днів тому

      If they hit my pride and joy and don’t have insurance it’s the aluminum ball bat

  • @mohamedhachani9910
    @mohamedhachani9910 12 днів тому +576

    Leave California Leave the governor with his clowns

    • @_Elizabeth_theMaid
      @_Elizabeth_theMaid 12 днів тому +33

      Unfortunately I think that’s what they want. People / corporations will swoop right in and buy up the most beautiful state in the union 😢

    • @gasser5001
      @gasser5001 12 днів тому

      @@_Elizabeth_theMaid Let them... no sane person wants it. No sane person wants a UNION... our country needs to move on past the barbaric concepts of a UNION.

    • @duncanidaho2097
      @duncanidaho2097 12 днів тому

      Easier said than done. I just moved from a house to a small condo and spent thousands $$, every cent I had on the process in Corruptifornia.
      Modt of the people I know are low information democrats who shed tears that Prez Trump might get elected. And they are unaware of the insurance armageddon coming because of eliminating police and democrat inflation.

    • @FEDEXLuchs
      @FEDEXLuchs 12 днів тому

      no stay in your mess and fix it.. commiefornains keep leaving but then commie up the states they go to

    • @Horsekick9times
      @Horsekick9times 12 днів тому +7

      @@_Elizabeth_theMaid Things is, there's nothing the average people can do about it. If they want you out, there always a way without physical force.

  • @gaillittleton2504
    @gaillittleton2504 12 днів тому +134

    I am from Canada, and when I saw the steel worker, calmy denounce Trudeau, I cheered!!! The worker is spot on with everything he said!!!

    • @livingintheforest3963
      @livingintheforest3963 12 днів тому +3

      Trudeau sucks how does he live with himself panning out donuts

    • @chrislong8559
      @chrislong8559 12 днів тому +2

      Well he is Castros son. Like pop, just like him!

  • @indiandoc2
    @indiandoc2 11 днів тому +16

    Someone today posted that the cost to start a project in New York, 40% was regulation. Cost of grading, installation of water, sewer, & power. Before any houses are started, 40% will grease a lot of palms.

    • @dangeary2134
      @dangeary2134 9 днів тому

      Anyone that saw “Back to School” should know this!

  • @okono007
    @okono007 12 днів тому +486

    PDB guys are wrong… California wants those businesses to leave so Californians have no choice but to depend on the state for all their needs.

    • @GasMaskManPNW
      @GasMaskManPNW 12 днів тому +50

      Bingo

    • @mustangracer5124
      @mustangracer5124 12 днів тому +87

      One of the 8 steps to communism.

    • @deepg7084
      @deepg7084 12 днів тому

      It's called "The Doom Loop". Make the conditions so awful that all dissenters leave, making the population more concentrated with people who support the leadership. For every Californian who leaves, they're replaced with 10 illegals pumped into the state.

    • @phila1003
      @phila1003 12 днів тому +18

      @@mustangracer5124 This is correct

    • @OhDannyboy7
      @OhDannyboy7 12 днів тому

      California and New York are test pilot states for future Communism in all the States.

  • @scottluvisi9941
    @scottluvisi9941 12 днів тому +240

    I JUST moved out of California last month. Sold my house for twice of what I owed, paid cash for the house i'm in now and have 10 years of money to pay the bills I have and still have money coming in and I RETIRED.

    • @aeerjordan4994
      @aeerjordan4994 12 днів тому +15

      @@scottluvisi9941 you are so fortunate. Wish I was 😞😞

    • @Toadyru
      @Toadyru 12 днів тому +17

      Are they chasing you down for taxes to be paid.....even though you moved away

    • @deep6301
      @deep6301 12 днів тому +5

      Smart🎉

    • @marioremondino9837
      @marioremondino9837 12 днів тому +3

      That’s called winning…

    • @Spoke76
      @Spoke76 12 днів тому +5

      We fled in 2015.

  • @cjdep109
    @cjdep109 10 днів тому +9

    I work for insurance. Bodyshop/dealer labor rates have risen, part prices have increased, paint materials have increased, the newer cars are starting to get more 1 time use parts, there also also tons of sensors/cameras/modules in these new cars that a simple collison can easily double replacing those parts and then you need to pay to calibrate all of those damaged electronics.

  • @meinking22
    @meinking22 12 днів тому +143

    Grew up SoCal. Moved from L.A. to Osaka, Japan in 2016. One of the best decisions I've ever made.

    • @glenlackey2
      @glenlackey2 12 днів тому +3

      My family thinks about leaving... never been to Japan. Is it easy to move and set up everything, find a job and not be from there and not speak the langauage?

    • @richarddexter7641
      @richarddexter7641 12 днів тому +7

      @@glenlackey2 The short answer to your question is, "No." You have to have a work visa (which means hired beforehand, since you have to be sponsored), you can't own any property, and outside of tourist areas, being able to communicate with the Japanese people is difficult. Honestly, if you want to move out of the country, I'd pick a place closer to home--especially if you can speak Spanish already. If not, try Belize instead.

    • @rickyt0411
      @rickyt0411 11 днів тому +4

      You can definitely own property and for little to no money you can buy an akiya. You can create an llc to get a bank started by a local rep. There are multiple visas you can get for long stays but you’d have to eventually come back to the states for a few months for it to reset for you to get again.

    • @1HeatWalk
      @1HeatWalk 11 днів тому

      You will never be Japanese and still always an outsider. Asian countries are very racist because of their culture.
      Toxic work culture and natural disasters is another issue.

    • @KnowledgeIsComfort
      @KnowledgeIsComfort 11 днів тому +1

      @@richarddexter7641maybe Hungary. Maybe not closer, but they seem to have their stuff together

  • @real-ishstraighttruthnocha1687
    @real-ishstraighttruthnocha1687 12 днів тому +609

    I met an older couple from Cali this weekend and we talked Cali economics.
    The woman immediately said she hated Trump even though we were talking about Cali. I told her about the economics and the woman just said she wanted universal healthcare and universal education, which are foolhardy endeavors. It made me realize that some people are idiots, and some people just want things handed to them because they suck at life. My opinion is that a lot of Californians are just liberals who want the government to do everything for them. These are the types to be smart enough to see what's wrong but keep voting the same way. I say we jettison CA and leave them out of the union.

    • @_nimrod92
      @_nimrod92 12 днів тому

      Unfortunately we have to deal with a swathe of lazy sachs of shit and whats worse they have voting power.

    • @fatcat5817
      @fatcat5817 12 днів тому +26

      "...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
      This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
      Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)

    • @smacksmack5976
      @smacksmack5976 12 днів тому +3

      @@fatcat5817I’m glad I didn’t,ove threrwhenoffereda job there 30 years ago

    • @svetlanaklinova4876
      @svetlanaklinova4876 12 днів тому

      They are worse than idiots. They are idiots with closed ears for explanationn and opened for propaganda

    • @SamuelClemente7718
      @SamuelClemente7718 12 днів тому

      Remember the ALAMO?? 😂
      ​@@fatcat5817

  • @lauralintonmacfarlane5264
    @lauralintonmacfarlane5264 10 днів тому +21

    Our children are moving out, doctors, nurses, police, fire, engineers, accountants, teachers, and we parents are following

    • @pj9549
      @pj9549 7 днів тому

      Don't move. FIGHT FOR UR STATE!!!!! DON'T RUN FROM GREEDY GAVIN THAT SATAN LOVER

  • @Gamer_4life873
    @Gamer_4life873 12 днів тому +152

    Lived in Sonoma County for 43 years. Moved out last year with my wife to a red state and the way of life went up so much 🎉 rip Cali

    • @glfxfa5452
      @glfxfa5452 12 днів тому +38

      Pls don't make that state blue with your votes.

    • @ex2vulcano
      @ex2vulcano 12 днів тому +7

      And it’s the best area of California by far

    • @joevarga5982
      @joevarga5982 12 днів тому

      Are you a Democrat?

    • @user-se2tu9ry5o
      @user-se2tu9ry5o 12 днів тому +12

      Remember that when u vote

    • @DarenMiller-qj7bu
      @DarenMiller-qj7bu 12 днів тому +18

      Like everyone else said, you left a shit hole, don't turn wherever you moved into a shit hole. If this is even real that is.

  • @IHOPROB
    @IHOPROB 12 днів тому +220

    People in California don’t know what they don’t know! I’ve had business there - and people there THINK what’s happening there is happening everywhere! They’re literally economically ignorant!

    • @user-vm8kr5hq1u
      @user-vm8kr5hq1u 12 днів тому +13

      Easy to be that way when majority of people who still live there have been for over 30-40+ years. I’d be economically ignorant too if out of nowhere my aunt dies and I’m a millionaire for having a condo passed down lol.

    • @fatcat5817
      @fatcat5817 12 днів тому +5

      "...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
      This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
      Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)

    • @phila1003
      @phila1003 12 днів тому +7

      And when given the chance.. they vote for more taxes and bigger government to "fix" the problem.

    • @TSUNAMICali
      @TSUNAMICali 12 днів тому

      It's the drugs, sun and Marxists professors brainwashing. Californication. It's not just a song

    • @JL-hj8hj
      @JL-hj8hj 12 днів тому

      DC is the same way. People there claim to be smart and "progressive". They are a bunch of idiots.

  • @kingbush9328
    @kingbush9328 6 днів тому +28

    Everyone needs more than their salary to be financial stable. The best thing to do with your money is to invest it rightly, because money left for saving always end up used with no returns.

    • @NatalieDormer-or4jj
      @NatalieDormer-or4jj 6 днів тому +2

      You are absolutely right ✅️

    • @NatalieDormer-or4jj
      @NatalieDormer-or4jj 6 днів тому +3

      If you don't find a means of multiplying your money, you will wake up one day and realize that the money you thought you had, had been exhausted. Investment is a ladder to climb the financial wall.

    • @ningyen1444
      @ningyen1444 6 днів тому +2

      Am looking for something to venture into on a short term basis, I really need to create an alternate source of income, what do you think I should be buying?

    • @kingbush9328
      @kingbush9328 6 днів тому +5

      Cryptocurrency/stock investment, but you will need a professional guide on that.

    • @kingbush9328
      @kingbush9328 6 днів тому +4

      Facebook 👇

  • @maryellis7622
    @maryellis7622 12 днів тому +138

    We are having to pay for the uninsured and illegals.

    • @esthershelton6672
      @esthershelton6672 12 днів тому +6

      Exactly 💯

    • @realtorlesliemiller3293
      @realtorlesliemiller3293 12 днів тому

      Also - TX has a lawsuit suing because car companies were sending consumer driving data to insurance companies WITHOUT consumer authorization for the last decade.

    • @lorrainemosby1645
      @lorrainemosby1645 12 днів тому

      The illegals are in all of the states in America....did you not know that????? Google it and find out where they are in each state!!! that is how I found out On You Tube. God Bless America...All 50 of them!!!!!

    • @euphoricmonk
      @euphoricmonk 12 днів тому +11

      and the criminals

    • @reggiegabriel2545
      @reggiegabriel2545 12 днів тому

      Yup! & those pieces of shit don’t get in trouble for not having it

  • @coreytrevor1311
    @coreytrevor1311 12 днів тому +106

    I was raised in the Midwest and I’ve now lived in California for 45 years. I’m grateful that I grew up and was educated in the Midwest because most Californians I talk to are simply clueless when it comes their own best interests. It’s mind boggling.

    • @jmspegel
      @jmspegel 11 днів тому +4

      @@coreytrevor1311 been to Minneapolis lately?

    • @coreytrevor1311
      @coreytrevor1311 11 днів тому

      @@jmspegel Same theory applies to any city or state controlled by democrats.

    • @kathyjohnson6206
      @kathyjohnson6206 10 днів тому

      How about Chicago and Kansas City? Those Midwest places have higher crime rates than CA and NY.

    • @coreytrevor1311
      @coreytrevor1311 10 днів тому +2

      @@kathyjohnson6206 Of course. They all have democrat “leadership”. 😂

    • @sarahnei9030
      @sarahnei9030 7 днів тому +1

      ​@@jmspegel we don't count MSP since at least 2016

  • @42bellabella
    @42bellabella 11 днів тому +36

    So what happens when a state doesn't have insurance companies but it is mandatory to have insurance??

    • @johnhansen3887
      @johnhansen3887 9 днів тому +6

      California will open a assistance program we're you could get an insurance loan haha.😂

    • @sorbabaric1
      @sorbabaric1 9 днів тому

      Is the California government doing this on purpose so the poor and working people don’t have cars because they can’t afford them ?

    • @stephenkern5784
      @stephenkern5784 8 днів тому

      Sell your car and Uber.

    • @42bellabella
      @42bellabella 8 днів тому +3

      @@stephenkern5784 so uber doesn't need insurance?

    • @MsCGarnica
      @MsCGarnica 8 днів тому +1

      They'll come repossess our cars! Even if they've already been paid for! Sanctuary bullshiiite! It's a sanctuary for effing criminals and these illegal criminals only. The rest can perish however they don't effing care about anyone here.

  • @PFunk-kt9gc
    @PFunk-kt9gc 12 днів тому +36

    The problem with most politicians and bureaucrats is they have never run a business, not even a lemon stand.

    • @KowboiK
      @KowboiK 12 днів тому +5

      ...as well as the majority of voters...and they base their votes on Sound Bites, rather than some understanding of the subject.

    • @darbyohara
      @darbyohara 10 днів тому

      No the problem is idiots who keep voting for incompetent people

  • @kevinarrevillaga926
    @kevinarrevillaga926 12 днів тому +203

    Blame people who voting blue

    • @AFree1Month
      @AFree1Month 12 днів тому +1

      Ns, The Juice, and women.

    • @coonplatoon
      @coonplatoon 12 днів тому +8

      You think voting actually works? Interesting

    • @2seep
      @2seep 12 днів тому

      @@coonplatooneverywhere else? Yes. California? No. It’s too corrupt.

    • @bonzocleach2496
      @bonzocleach2496 12 днів тому +4

      Why? It's not like Republicans are doing anything to help either. Ron DeSanitis and the Republicans are in charge of Florida. Florida has the same insurance problems as California.

    • @walkingwithstarz935
      @walkingwithstarz935 12 днів тому

      Bingo you got it!!

  • @dunes4242
    @dunes4242 11 днів тому +12

    700,000 restaurants have closed in Canada, and the only one's that are opening are the big fast food joints and are charged twice the price. Then they hand out coupons for more then the old prices of their goods. They are no longer busy at those prices. I am talking about Canada

    • @sec9788
      @sec9788 10 днів тому

      You know what the cartoon character said in the South Park movie: “…(BLEEP) CANADA!!!” 😂

    • @davidwolff4696
      @davidwolff4696 7 днів тому

      Restaurants are a tough business to begin with. With all that's happening in the economy, they will be a thing of the past everywhere.

  • @mepfft2992
    @mepfft2992 12 днів тому +14

    As an insurance agent, it is insane how many carriers have stopped writing in Cali. The assigned risk pools are supposed to be the insurance of last resort, but Cali has made it so even the average person ends up in the pool. It is a nightmare as an agent doing business with Cali businesses and residents

  • @mithicash1444
    @mithicash1444 12 днів тому +75

    Moving from Commiefornia to Iowa my insurance dropped by 45%... My car used to get broken into at least once a year.

    • @highland-scott902
      @highland-scott902 12 днів тому +17

      I hope you vote RED!

    • @glfxfa5452
      @glfxfa5452 12 днів тому +6

      ​​@@highland-scott902that's the thing, they move out and try to turn a red state into blue.

    • @thewedge8823
      @thewedge8823 12 днів тому +2

      yeah and your income probably dropped by 45% too right

    • @Jilly-Kerry-2Mullens
      @Jilly-Kerry-2Mullens 8 днів тому

      @@thewedge8823 as did the cost of living, win win. My two vehicles and house insurance combined is $485.00 every 6 months. My electric bill is 68 bucks a month, gas bill 39.00 a month. Property tax on 5 acres with 7 buildings(one is a 7 year old 4 car garage) and a 3 bedroom home is 1,200.00 yearly.

    • @oceannnn1
      @oceannnn1 5 годин тому

      @@thewedge8823I moved from California to Georgia and I make less money now than when I was in Cali. Each year I save way more than what I did living in Cali and live much more comfortably thanks to cost of living decrease by moving

  • @jafarlove2616
    @jafarlove2616 9 днів тому +5

    totally screwed up: I am 78 yrs. old; have driven since I was 16 yrs. old; not one accident; not one major claim; not a ticket in 30 yrs. and my car insurance went up 110%....terrible....luckily I have a non expensive car

    • @user-oe6jo3pz6b
      @user-oe6jo3pz6b 2 дні тому

      If they give you a drivers test at 78 and you pass, insurance should be the same. Welcome to age discrimination. It is real, and I'm sorry this is happening to you. Your 78 years young.

  • @amarin-64
    @amarin-64 12 днів тому +13

    I was a first time homebuyer in California and had to sell in late 2021 because we couldn’t afford it anymore. Let me give you another example of how fair Cal”Fair” is...
    When we bought our home insurance was $1900/year, full coverage (including wildfire). For several years it increased by about 15% each year, which was bad enough. However in 2019 when the state massively overly regulated insurance, our insurance company would no longer cover wildfire. So we were FORCED to use Cal Fair. JUST for wildfire insurance from Cal Fair, OUR cost was over $6,000/year paid out of our pocket. This was in addition to our primary coverage at about $3000/year.
    In five years our home insurance went from $1900/year, to $10,000/year all because of Cal “Fair”. Combine that with massively increasing costs of goods and services in the state, all the covid F-ups, lockdowns, and an economy purged in chaos... I went from attaining my dream to facing a complete nightmare which I am still working to recover from.

    • @TexasGurlAlwaysAndForever
      @TexasGurlAlwaysAndForever 10 днів тому +1

      That is an awful picture. But the good news is you got out, and hopefully, where you moved is already a better life for your family. That is not the American dream; that's a tragedy. Good luck!

  • @pamelabranson4246
    @pamelabranson4246 12 днів тому +120

    What better way to get rid of cars than to make cars impossible to own /insurance?

    • @shawnalloway9691
      @shawnalloway9691 12 днів тому +11

      Same with guns!!

    • @mbbigm4784
      @mbbigm4784 12 днів тому

      That is their plan to make everything too expensive so Americans can depend on the Government! Guess who owns the Insurance companies? Guess who owns all the farm lands and food chain? These are evil people!

    • @curtissharris8914
      @curtissharris8914 12 днів тому +3

      Lol there has to be a viable alternative or people will revolt....eventually

    • @shawnalloway9691
      @shawnalloway9691 12 днів тому +4

      @@curtissharris8914 it won't be the sheep in California

    • @abbery9202
      @abbery9202 12 днів тому

      took me 45 minutes to get in n out yesterday. Get rid of all the fucking cars as far as I'm concerned

  • @tracylynnfarley6748
    @tracylynnfarley6748 10 днів тому +4

    I live in CA. We pay over $2600 a year for 2 vehicles. My Caddy has full coverage. I was in an accident and I paid $1000.00 deductible while the insurance company paid $15,000.00! I can understand why they want to leave!

  • @byronrios4005
    @byronrios4005 12 днів тому +95

    I can’t believe how stupid our government is here in California…. plain stupid

    • @janesunly
      @janesunly 12 днів тому

      He’s a domestic terrorist part of the Biden regime. They are taking us down from within.

    • @papachris8540
      @papachris8540 12 днів тому +18

      Nah. Evil. Stop giving them the benefit of the doubt

    • @glennhelm9525
      @glennhelm9525 12 днів тому

      It's not about stupid, It's about the regulatory state running the hated "corporations" out, so govt. can assume total power. It's a classic methodology of Communist ideology to destroy the middle class. Don't forget how often the Leftists rant against the "rich corporations " The people of Calif. mostly agree with this. now they are reaping the consequences.

    • @fatcat5817
      @fatcat5817 12 днів тому +1

      "...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
      This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
      Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? 🤨)

    • @joshuamcpherson007
      @joshuamcpherson007 12 днів тому

      They aren't stupid...it's part of their plan. They want to make it too expensive for you to own and operate a car. The reasons they give are just cover stories....bogus explanations. They want Californians in stack-and-pack rental units, and totally on public transport.

  • @stevdaughtr6098
    @stevdaughtr6098 12 днів тому +130

    If you don’t have insurance, you can’t drive .. hasn’t this all worked out for the 15 min city people. /so you make it unsafe and then you come and say I’m going to make it safe for you. Nothing ever happens by accident has nothing to do with climate. It’s just their “vehicle.”

    • @R0NIN_1987
      @R0NIN_1987 12 днів тому +6

      Word salad

    • @KidHorn7001
      @KidHorn7001 12 днів тому +6

      You can't drive legally. Lots of uninsured drivers on the road.

    • @vinlago
      @vinlago 12 днів тому

      No ability to show financial responsibility? SR22?

    • @shvrdavid
      @shvrdavid 12 днів тому

      Seems that we found one of Kamala's writer.......

    • @giraffe5116
      @giraffe5116 12 днів тому

      I guarantee you, 99.99% of illegals who acquire a CDL is driving WITHOUT insurance!!

  • @StephanieMartinez-v2k
    @StephanieMartinez-v2k 11 днів тому +6

    It is nice to see that someone in Canada has a spine. He calls it out. Good for him. Hopefully, there are a lot more people who are as smart and clearly see what's what.

  • @jps3b
    @jps3b 12 днів тому +74

    I was born and raised in California. My entire family is here. My wife and I make a good living. 300k a year and I’m still getting squeezed. I don’t know what to do. I’m getting taxed to death, nickel and dimmed to death and I just don’t know what to do. My home owners insurance went up 35% this year and for what. I live in a tiny condo in Santa Monica. My parents are getting killed by insurance. I’m telling you, as soon as I retire in a year, I’m not just leaving the state, I’m leaving the country. I’m going to Mexico so I can have some control in my life. Healthcare is ridiculous here everything is worse here. The American dream is officially over. I’m sorry.

    • @euphoricmonk
      @euphoricmonk 12 днів тому +5

      My wife and I used to live in SaMo. We sold our Townhouse in 2022 due to all the crazy people and increasing expenses in CA, LA and West coast. We are living very comfortably now but do miss the weather. We might move to Japan or Europe in the future, things are getting too crazy in the USA.

    • @epicpancakemix
      @epicpancakemix 12 днів тому +4

      Move? lol

    • @John-du2mq
      @John-du2mq 11 днів тому +4

      There's nothing to miss about the weather. It's practically the same year round. There are no seasons and it's boring honestly. Heaven forbid if it's a little uncomfortable for part of the year.

    • @euphoricmonk
      @euphoricmonk 11 днів тому +5

      @@John-du2mq I guess you've never been in 110+ for two months straight like we experienced last year. This year has been cooler thank god.

    • @goldfishblue9227
      @goldfishblue9227 11 днів тому +1

      Same

  • @definitelynotlebronjames443
    @definitelynotlebronjames443 12 днів тому +221

    The jump isn’t due to “increasing claims, storm damages, costly repairs” and everything else these guys talked about. The jump in auto insurance is because they are raising the minimum liability limits substantially which means carriers and reinsurers are going to have to pay out way more for “injuries” and other damages. You’re going to see a massive increase in billboard injury attorneys across CA.

    • @Sleepy731
      @Sleepy731 12 днів тому +12

      And insurance companies are being forced to have enough money to cover the policies cause people have gotten screwed by insurance companies

    • @DeliverMeFromEvil-
      @DeliverMeFromEvil- 12 днів тому +22

      This has already happened in trucking. They have doubled minimum liability amount. Repairs have gone up not 30 percent but more like 60 to 70 percent. Ask me why everything on the shelf costs more

    • @donaldkinder6716
      @donaldkinder6716 12 днів тому

      Lol Patrick don't talk about all the insurance companies leaving FLORIDA because he's a REPUBLICAN

    • @johncocktose1086
      @johncocktose1086 12 днів тому

      And so many illegals driving with no insurance nor licenses.

    • @clthornsbury4192
      @clthornsbury4192 12 днів тому +1

      ​@@DeliverMeFromEvil-why?

  • @jameskuhn4541
    @jameskuhn4541 10 днів тому +7

    I paid 40 a month under Trump, I pay 76.90 and was 79.

  • @dmitrishvetsov2980
    @dmitrishvetsov2980 12 днів тому +101

    I've had TheHartford insurance in AZ almost a year ago. They wanted me to pay 50% more upon renewal. I switched to another company. They are begging me now to return back sending their paper offers on a daily basis, never interrupted. If you count the number of envelopes, it will cover a significant part of what they wanted to overcharge me. So stupid!

    • @rockyroad7345
      @rockyroad7345 12 днів тому

      I got a quote from Hartford, having never used them. They were more than double what the company I went with quoted me for homeowner's insurance. Beware seniors, this is the company that AARP uses to SCREW their members over.

    • @mjlh7079
      @mjlh7079 12 днів тому +3

      Oregonian here, I will NEVER get insurance from Hartford.
      In 2007 as part of a community outreach program to connect Seniors & kids, I met several seniors who got auto insurance from 'The Hartford' via AARP that were paying 81 to 150 dollars a month for Liability only coverage - One of the ladies in the program was shocked that I was only pay 75 a month for full coverage & decided to meet with the agent I used, he got her the same coverage for 35 bucks a month, after that she put the word out & almost all of the seniors in the group switched to other companies.

  • @TheGlausevic
    @TheGlausevic 12 днів тому +61

    AND the people in CA just Vote Blue No Matter Who, it is ASTOUNDING!

    • @Carlos559Caps
      @Carlos559Caps 12 днів тому

      They're the same anti-racists that called Larry Elder, a black man, "the black face of white supremacy". We gave them a great candidate as an alternate during a recall but it their response was essentially "no not that black man"

    • @pavlestanimirovic
      @pavlestanimirovic 12 днів тому +5

      Same in NYC and Chicago

    • @clthornsbury4192
      @clthornsbury4192 12 днів тому +12

      But do they really? Or is it plausible, so easily fraudulent? At this point, I have to give my fellow members of society the benefit of the doubt, and say the later. Nobody's that stupid to keep voting for this.

    • @alphago9397
      @alphago9397 12 днів тому

      False. Massive election fraud in California for at least 20-30 years now.

    • @lindahake1666
      @lindahake1666 12 днів тому +10

      Most of Cali votes red.

  • @anasuyabasil3510
    @anasuyabasil3510 12 днів тому +2

    I’m affected by a huge increase in monthly payments due to being forced onto the California Fair Plan. I’ve lost neighbors who leave because of this. I love where I live and my community but my future is uncertain and my community is being torn apart due to this insurance issue and there is nothing being done. Thousands are in the same position as me.

  • @joanmichaelson2717
    @joanmichaelson2717 12 днів тому +22

    I am one of those CA home owners who got canceled after decades of coverage with AAA, never a claim.

    • @SaL-ep7zb
      @SaL-ep7zb 12 днів тому +1

      It's probably because your house is close to fire zones.

  • @mutantryeff
    @mutantryeff 12 днів тому +107

    If you turn in a claim, your rates go up, or even worse - they drop you.

    • @ethanmanley3341
      @ethanmanley3341 12 днів тому +9

      My aunt just had her roof caved in because of something before she bought it, they only gave her 10k after 20 years of paying and the quote was 18k, after they dropped her.

    • @mustangracer5124
      @mustangracer5124 12 днів тому

      U pay double because illegals are driving drunk in stolen cars with no ins.

    • @LiarLiarBrainOnFire
      @LiarLiarBrainOnFire 12 днів тому +1

      Sounds like you're in "Good Hands" who never paid a single Hurricane Sandy Policy Claim in NY or NJ!

    • @buckhorncortez
      @buckhorncortez 12 днів тому

      Not true. I've had two claims for stolen vehicles and my insurance has not gone up - and they cannot drop me. I've been insured by them for 40 plus years and they cannot drop me from the insurance policies.

    • @beto3707
      @beto3707 12 днів тому +1

      I had my catalytic converter stolen off my car (I live in a very safe neighbor), and within the next 3-4 week after my claim, I get a letter saying my rates are going up about 20% and that this is just normal increase due to the times. Never had an accident, ticket, and never had an issue until the catalytic converter was stolen.

  • @garyleibitzke4166
    @garyleibitzke4166 10 днів тому +2

    We moved from Ramona, Ca. (just outside San Diego) to Filer, Idaho. Our home owners insurance went from $2600/yr to $670/yr for a house that was twice as large on the same lot size.

  • @Harrythehun
    @Harrythehun 12 днів тому +40

    George Clooney is a actor, enough said. Don't take life advice from celebrities, politicians or media figures.

    • @CD-vb9fi
      @CD-vb9fi 12 днів тому

      A person's "profession" has nothing to do with the quality of their advice. There are stupid doctors and smart homeless people. Wisdom = Wisdom on its own merit. Do not fall for the argument from authority fallacy.

    • @BrilloHead
      @BrilloHead 10 днів тому

      ​@@CD-vb9fiSometimes authority claims can get you killed

  • @linoperretta2528
    @linoperretta2528 12 днів тому +25

    Patrick, and crew, as a Canadian I can tell you that there is wide-spread confusion in our country as to how the current prime minister is still the prime minister. He is a politician, Zero business acumen, zero financial accountability. If I don't hire a smart and awake accountant to take advantage of every tax loophole available, I would end up no better off than people working for me. BTW, healthcare up here isn't free, we pay for it with taxes on this and taxes on that!

    • @TSUNAMICali
      @TSUNAMICali 12 днів тому

      Only people getting ahead here in BC are drug dealers and donors to NDP. Pathetic

    • @Fazak38
      @Fazak38 12 днів тому

      He is also Fidel Castros son

    • @Daniel-ds8nd
      @Daniel-ds8nd 12 днів тому

      Trudeau sucks!

  • @robs7060
    @robs7060 12 днів тому +3

    I work for a roofing contractor and almost every day I hear someone say their insurance carrier told them they will drop their coverage if they don't put a new roof on their building within 30 days...our schedule is 2 to 3 months out

  • @stevedavis1316
    @stevedavis1316 12 днів тому +47

    I’m an insurance agent. More and more insurance companies are going to Excess and Surplus Lines. By using E&S Insurance, companies can bypass the California Insurance Commission. California home/auto insurance is very challenging. If State Farm exits CA it’s game over for insurance in the State, in my opinion!

    • @GhostDog36556
      @GhostDog36556 11 днів тому

      Why

    • @derek17005
      @derek17005 11 днів тому +6

      @@GhostDog36556 B/C State Farm is the largest insurer in the entire country. Where they go, the industry follows. So State Farm leaves, the typical response would be for the competitors (Farmers, Allstate, Progressive, Geico, etc.) to try and capture those customers. Problem is, even the nation's other big insurers don't have the capacity (surplus as we call it) to take on all those customers.

    • @maryamaghaian393
      @maryamaghaian393 11 днів тому +1

      Why is CA insurance challenging?

    • @AnonymousanonymousA
      @AnonymousanonymousA 11 днів тому

      bro in English

    • @stephenblack8804
      @stephenblack8804 11 днів тому

      Oil companies need to pull out of California, the state doesn’t want them and they will face a death of 1,000 regulation and lawsuits. Shut down the wells, close and dismantling the refineries, either transfer or lay off workforce. California wants to quit fossil fuels cold turkey, Harris can help her😊

  • @beardfootofficial
    @beardfootofficial 12 днів тому +20

    My family built a home about 10 minutes outside of town, permits took 18 months...18 months for a single family residence. At the end of it all, we applied for homeowners insurance we were required to get fire insurance as well... We were denied by every provider. After emails to city officials, insurance carriers, etc we were directed to the FAIR act. They quoted us 7000/year for fire insurance...more than our property tax...We are stuck because the bank requires it but we can't afford it. we even submitted paperwork for all the fire upgrades in our home which were required by law...they promised to lower our premium after reviewing it all....Our premium went UP. Also power rates have more than doubled since we started construction. After forcing us to get solar, we now still have a power bill HIGHER than before we moved from our last home with no solar, but have thousands less dollars to pay for it. PGE has a power monopoly soooo no other options. THIS SHIT IS CRIMINAL. But thank God when Kamala gets in office she will straighten out this mess! lol

    • @Carlos559Caps
      @Carlos559Caps 12 днів тому +2

      As an architect, I cannot begin to explain how stupid the permitting process is in our state.

    • @beardfootofficial
      @beardfootofficial 12 днів тому +3

      @@Carlos559Caps haha it was extremely eye-opening. Like, DMV can’t hold a candle to county permitting office

    • @scoboy_sean
      @scoboy_sean 12 днів тому

      You sound like you’re in butte county

    • @Carlos559Caps
      @Carlos559Caps 12 днів тому

      @@beardfootofficial Too many cooks!

    • @WhydoIsuddenlyhaveahandle
      @WhydoIsuddenlyhaveahandle 12 днів тому

      Leave.

  • @jeremiahanderson5925
    @jeremiahanderson5925 9 днів тому +1

    I got a reckless driving conviction in which the officer said he probably shouldve let me go. My car insurance company of 12 years dropped me and because my license was suspended (years ago), no good insurance company will cover me. I was paying $200 a month and now I'm getting quoted at $800 a month. I'm a part time student and minimum wage worker. Can't wait til I finish my degree so I can get a job and move out of state

  • @Blakelikesfood
    @Blakelikesfood 12 днів тому +73

    Imagine being a California citizen and trying to tell other citizens and statehoods how to do things. 😂😂😂😂😂😂😂

    • @yungceize
      @yungceize 12 днів тому +3

      It used to be, as does California so does the country. But they went off a ledge with the ideology and now the entire state is a cesspool.

    • @ShinimagisFTW
      @ShinimagisFTW 12 днів тому

      Californians aren't Americans. They are enemies of the country.

    • @germantorres5652
      @germantorres5652 12 днів тому

      ​@@yungceizeand the explains the state of the country in some part as well

  • @christinegeorge8232
    @christinegeorge8232 12 днів тому +114

    When they want you to stop driving… you’re done…

    • @logan7024
      @logan7024 12 днів тому

      They talking bout housing insurance I thought.

    • @ezpe3865
      @ezpe3865 12 днів тому

      @@logan7024Auto insurance

    • @Barbara-te7xz
      @Barbara-te7xz 12 днів тому

      I'm in Chicago and ride the bike all year, unless I take the dogs to the vet or go on vacation, then I rent a car or van. As a 66 yo lady, I'm done working on cars as I was done getting ripped off by mechanic's years ago. As far as boy friends botching repair jobs, done there too, and it make for happy relationships. I also have an extra $700/month for dresses and other stuff. If the shtf, the car ain't working anyway. So nice to be done. 😊

    • @christinegeorge8232
      @christinegeorge8232 10 днів тому

      @@Barbara-te7xz Just beware of you will own nothing and be happy!
      It seems to be a conveyance to you not a need of owning a car but beware of propaganda that helps you decide you are happy with no value a car has or home. / in emergency need off a loan or emergency money that owning a car you could use as collateral on your loan.
      That is worth peace of mind, if ever needed it’s in your driveway .
      Just something to think about and think about if you were exposed without little helping hand of encouragement of not owning a& or how the extra money would be used towards buying something for your self ? A want or need? Makes a difference
      And would they be an item that brings value to your worth or simply junk or brings temporary pleasure satisfaction that last usually as shiny wears off .
      I think your decision is the best for you r personal situation just make sure it’s one that values you and your future for the best possible life that is rewarded when you know what your worth is and value of your assets and the benefits of accumulating value if it will decrease or increase over time.
      Beware the government or anyone that stresses the importance of useless wants that hold nothing but junk price or a dollar in a garage sale.
      Should be more important to you then your own ability to achieve assets that work and grow for you.
      Then you will never have to rely on the government deciding if your emergency is worth helping you with. We all know the answer they won’t even blink an eyelash and ask if you own anything of value as collateral on you emergency funds most likely needed the day before. You realize you’re in a pickle. :()

  • @bj-yy2of
    @bj-yy2of 9 днів тому +1

    We had a “Mom and Pop” vacation rental. It was full every day. The Hawaii State Government put restrictions on us saying we Must rent for 30 days or more. So here we are as homeowners, we can’t rent by the week but only by the month. All of us that have been doing this for over 20 years, many of us now widows , have lost much of our income because most people can not vacation for a month.
    It’s all about government control.

  • @dvldg271
    @dvldg271 12 днів тому +40

    We are required to have insurance in California but if we can’t afford insurance it effects our ability to earn money at our jobs we commute to and travel and others will just drive illegally and then get buried in fines and fees and then can’t hold down their job or go to jail because they can’t pay their fines. Does this create a new wave of people who will now have misdemeanors and felonies? Because bet on it, people are going to find a way to feed their families.

    • @glfxfa5452
      @glfxfa5452 12 днів тому

      Well, stop voting for the democrats. Change your local government!

    • @GentiluomoStraniero
      @GentiluomoStraniero 12 днів тому +3

      Re:misdemeanors and eventual felonies. Good reason for the government to restrict your constitutional rights. Reducing the number of people who can exercise your second.

  • @gjack916
    @gjack916 12 днів тому +15

    I’m in Cali, practice real estate and have family members that this “fair plan” directly effects…we are told that the insurance problem is a nation wide problem, not just exclusive to CA residents…my question is:
    Will it ever go back? These cost of living increases are out of control!

    • @mjlh7079
      @mjlh7079 12 днів тому

      Economic studies have shown/proven that an average of .53 cents of every dollar of price increase is pure corporate profit padding aka greed aka as Kroger's CEO admitted 'Price Gouging', which is not illegal under federal law. It will end when congress gets off their arse and passes a bill to make price gouging illegal. Also, enforcing laws like those in the the Sherman Anti-Trust Act and the Clayton Antitrust Act would help a lot, but that requires electing congressional politicians who will close the revolving door between agencies like the FTC and the companies their supposed to over see/'regulate'

  • @erincosta565
    @erincosta565 9 днів тому +1

    I work for an insurance company in CA and we are pretty much the only game in town at the moment. Every other call we get is about why rates went up. My heart squeezes just a little extra for those on a fixed income. They're already at state minimums and maybe have liability only on their cars, and still can't afford the insurance. It breaks my heart.

  • @scorchgardenultrahothotsau7919
    @scorchgardenultrahothotsau7919 12 днів тому +19

    I'm a caterer, I've been doing it full time for 2 and 1/2 years since I retired. Food costs have doubled since I started and it's absolutely killing me. The last thing I want to do is shrink my portions and or raise my prices.

    • @noneyabeeswax3200
      @noneyabeeswax3200 12 днів тому +2

      The only exposure to food service I care for is the production side and trying to keep input costs at or near zero. I keep a massive garden and some chickens😊

    • @shawnhill3482
      @shawnhill3482 12 днів тому +1

      The stores are doing it as we text makeing.packages of food smaller for higher MONEY!

  • @commonsenseisntcommon1776
    @commonsenseisntcommon1776 12 днів тому +26

    Half of Mexi-fornia drives are driving without a license or Insurance!!!

    • @ShinimagisFTW
      @ShinimagisFTW 12 днів тому

      Californians shouldn't be considered human.

  • @funeats8201
    @funeats8201 8 днів тому +1

    If corporate greed isn’t the problem, why has CEO compensation skyrocketed while average wages are completely stagnant for decades?

  • @christianvancura3120
    @christianvancura3120 12 днів тому +43

    They want cars to be a privilege not a necessity

    • @fastfreeks
      @fastfreeks 12 днів тому +5

      Nah they just want to squeeze every cent out of car owners because they are an easy target and never fight back.

  • @blanecurry9090
    @blanecurry9090 12 днів тому +57

    Our DOI and Insurance Commissioner here in CA are the absolute worst !!

  • @emmanuelbenjamin9995
    @emmanuelbenjamin9995 3 дні тому

    Currently paying $2,396 per year for two cars and condo insurance with Farmers Insurance. Received a “Notice of Non Renewal” and was told today that if I wanted to renew with a new policy it would cost $6,455 per year. I’ve got a perfect record and never had any claims. This is insane.

  • @gerrardthibault7669
    @gerrardthibault7669 12 днів тому +13

    PBD! Thank you from Canada!❤ I’m a Canadian who watches your podcast religiously! Thank you for being one of the only podcasts other then Rogan to help expose the corruption going on in Canada, we need to work together USA and Canada and your right, Canada reminds me of California. I’m one of the same type as red shirt guy! And god bless him for keeping his cool, and getting his message out! God bless Canada, and god bless the USA! There’s more of us here that feel the way you do about things and all our voices need to be heard! Thank you PBD! Much love and god bless! Continue to expose the corruption, and please continue to lend a friendly ear to your mostly awesome neighbours to the north!🤙❤

  • @chriskey7440
    @chriskey7440 12 днів тому +74

    I work for State Farm, in the Subrogation department, and I'm going to thoroughly explain why auto insurance in California is so expensive.
    1) California has many uninsured drivers
    2) California's body shop hourly rates are the highest in the US, thus making the repairs more expensive.
    3) Auto accidents in California are higher than most states, more accidents, means more repairs, which means higher premiums
    4) California is near the top in auto thefts (Comprehensive claims)
    5) California has a Pure Comparative Liability Negligence Standard. This means, an insurance company is allowed to recover up to 100% of their damages, from the at fault parties insurance company. For example, let's say Karen runs a red light and hits Bobby. But Bobby admits to being distracted and not seeing Karen, as Karen ran the red light. Karen's insurance company could file Subrogation against Bobby's insurance to collect up to 100% of their repairs, and vice versa for Bobby's insurance. Let's say those insurance companies disagree on who's at fault and they go to Arbitration. Let's say the Arbitraror places 90% fault on Karen and 10% fault on Bobby, well Bobby's insurance pays 10% of Karens property damages and Karen's insurance pays 90% of Bobby's property damages!
    Most states are Not Greater Than States, which means if you're 51% or more at fault, then you can't recover anything from the other driver's insurance company. Some states bar recovery at 1%, which is awesome haha. So in California, insurance companies pay out more, because the bar is so low to prove negligence.
    6) the cost of doing business is extremely high in California. Body parts, labor rates, installation, tows, storage costs, etc all costs more in good ole California.
    Hope this helps.

    • @glfxfa5452
      @glfxfa5452 12 днів тому +4

      Thanks.

    • @kevinbuda7087
      @kevinbuda7087 12 днів тому +6

      yep...pretty much explains it.

    • @crbalch1
      @crbalch1 12 днів тому +13

      So basically mostly due to democrat policies

    • @chriskey7440
      @chriskey7440 12 днів тому +2

      @@crbalch1 no, these issues were there with Arnold, but there are far more accidents nowadays though.

    • @crbalch1
      @crbalch1 12 днів тому +4

      @@chriskey7440 you know Arnold wasn't really a Republican right? He's one of those Mitch Mc Connell Romney Republicans

  • @dogwhisper2384
    @dogwhisper2384 9 днів тому +2

    My homeowners insurance didn’t renew me. My new company charged me 800$ more than the previous. They are TRYING to destroy homeowners. I’m in Houston , TX. The WHO says “You will own nothing and be happy”. They ain’t playing

    • @juankeyblademaster
      @juankeyblademaster 7 днів тому +1

      At this point I'm gonna make my house out of brick and mortar so l won't need home insurance against fires and storms.

  • @jamesstrickland517
    @jamesstrickland517 12 днів тому +21

    Saw this in Nebraska a couple years ago, was buying a home for 28,000 the insurance was over $1,200 a month while the house payment was $240 a month.

    • @thomasgoff4700
      @thomasgoff4700 12 днів тому +3

      Omg really?

    • @jamesstrickland517
      @jamesstrickland517 11 днів тому

      @@thomasgoff4700 Yes after nearly 60 years I was finally able to purchase a home. And I was watching rents skyrocket, being on disability and nearing retirement age with an income of just over $1000 a month I found what I thought would be my home for the rest of my life. Because of the insurance (btw that was the cheapest I could find) I did not buy and instead used my good credit to help a disabed Veteran friend buy a home when he finally got his back pay that was used for down payment.

  • @firevid6003
    @firevid6003 12 днів тому +90

    Many say it's because Californians vote blue no matter who, when the truth is, no matter who you vote for your vote will count as blue.

    • @bjwilliams
      @bjwilliams 12 днів тому

      so you believe the election was stolen?? when tHrump was president, was your life perfect? Did he get you a better Healthcare Plan---I'll WAIT???

    • @bigfoot9049
      @bigfoot9049 11 днів тому

      I've been telling my parents that for months now, trump could get 500 million votes (obviously that's impossible but I'm using it as an example) the dems would say "every vote counts" even if it's illegal votes or just fake ballots. This happens until they're just a handful of "votes" ahead. That's how biden got in, pelosi was in Miami receiving truck loads of mail in ballots well after the deadline but that bitch kept it up.

    • @TheMinor7th
      @TheMinor7th 11 днів тому +1

      Flat earth 😂

    • @MrCenturion13
      @MrCenturion13 10 днів тому +2

      ​@@TheMinor7th: NPC.

    • @TheMinor7th
      @TheMinor7th 10 днів тому

      @@MrCenturion13 fake fake elections are so 2020

  • @HerveDuchemin
    @HerveDuchemin 12 днів тому +1

    Nothing more a slap in the face than when a government entity shows up with "donuts" to feed the people.

  • @willwilkinson2135
    @willwilkinson2135 12 днів тому +6

    I work for State Farm. We are policy owned. You are exactly right on everything. Love listening to you!!

  • @shawnalloway9691
    @shawnalloway9691 12 днів тому +45

    There's gonna be a bunch of uninsured drivers in California now you watch.

    • @bobbob9415
      @bobbob9415 12 днів тому +5

      There already are it's a trap you can't win

    • @Lightning613
      @Lightning613 12 днів тому

      The DEM politicians goal is to have the State be the single-point insurer for all insurance.

    • @ezpic2
      @ezpic2 12 днів тому +2

      Uninsured AND unlicensed.

    • @nancyharris7715
      @nancyharris7715 12 днів тому +1

      Already ARE

  • @JRPLawyeress1
    @JRPLawyeress1 12 днів тому +2

    Similar thing is happening in Florida with homeowners insurance. People are being priced out of the market.

  • @livefree1030
    @livefree1030 12 днів тому +24

    California business owner. My first employee moves to Tyler Texas for my expansion. These insurance rates are killing me.

    • @fatcat5817
      @fatcat5817 12 днів тому +2

      "...; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed." 🤔
      This is why Texans never forgot The Alamo or our values, and love our state more than the nation itself. It's needed to stand up and fall for something. Just like in the civilwar-days. Or their hatred for gov. (The constant reminders helped too-Waco-Uvalde)
      Cali, has no state pride. (Only superficial praise for it's beauty. Just like Mexico, how are they doing? )

    • @minigirl6839
      @minigirl6839 9 днів тому

      Welcome to the 903! ⭐️Never surrender ⭐️ Come And Take It ⭐️

  • @khronin
    @khronin 12 днів тому +30

    8 million illegals driving around with no insurance in cali also--btw every 10% raise in insurance rates causes a %% in legal folks who quit paying for it--so in a few months 25% more folks that were legal wont pay for it.

    • @NoalFarstrider
      @NoalFarstrider 12 днів тому

      I'm getting to that, my rates went up my coverage went down and I still have to eat...

    • @muddyhotdog4103
      @muddyhotdog4103 9 днів тому

      Yup, CA only incentivises criminal behavior

  • @ducken2220
    @ducken2220 12 днів тому +1

    Despite the legal requirement and low-cost programs, the Insurance Research Council estimates that 17 percent of California drivers do not have insurance

  • @lisainpalmdesert
    @lisainpalmdesert 12 днів тому +31

    Born and raised in Sacramento, CA….it’s insane! Yes, the insurance companies keep poking us! People can’t get insurance on their houses in these” high risk fire” areas . Now these insurance companies that are still here doing business they are saying all of CA is at risk. People of California have tried to recall Newsome 2x just can’t touch the guy!

    • @Clemfandang0
      @Clemfandang0 12 днів тому +3

      Move.

    • @Larry_Hegs
      @Larry_Hegs 12 днів тому +5

      @@Clemfandang0 Or don't be a defeatist and stay/vote. Things are getting worse before they get better, but CA is showing large increases in people registering as republicans.

    • @Carlos559Caps
      @Carlos559Caps 12 днів тому +2

      Too many vote blue no matter who folks.

    • @Larry_Hegs
      @Larry_Hegs 12 днів тому

      @@Carlos559Caps Kevin Kiley is a repub US rep in 3rd district of CA. Socal (Orange County for example) is full of red voters.
      I agree the Bay Area is full of these types. I'm sure Hollywood is the same.

    • @lisainpalmdesert
      @lisainpalmdesert 12 днів тому +4

      @@Larry_Hegs I’m personally never a defeatist. Been voting Red all the way down the ticket since 1980. If you look at a map of how people vote in California the rural areas are mostly Republican…it’s the big cities such as Sacramento, LA, SF and the west coast along the ocean they always vote Democrat. The big cities employ tons of Government workers and just people in general getting their government goodies so I guess they will always vote blue. Very frustrating.

  • @fredstrehlow511
    @fredstrehlow511 12 днів тому +30

    Too expensive for me. I won't renew mine. Drive carefully and keep off roads when inclement

    • @fastfreeks
      @fastfreeks 12 днів тому +4

      Can't register your vehicle in California if you don't have insurance.

    • @orangekilla3374
      @orangekilla3374 10 днів тому

      @@fastfreeksfuck registration

  • @PRR4800
    @PRR4800 11 днів тому +1

    We, the residents of Tennessee, are suffering the consequences of California being a perfect disaster financially etc. There has been a massive influx of Californians to our beautiful state. Now we have severe congestion. Outrageous home price increases. and their California driving habits. RIP Tennessee.

  • @ericgaskins571
    @ericgaskins571 12 днів тому +61

    Geico leaving California should tell you how bad this is. It's literally a government business. The government doesn't even wanna stay there. Ridiculous

    • @definitelynotlebronjames443
      @definitelynotlebronjames443 12 днів тому +7

      The jump isn’t due to “increasing claims, storm damages, costly repairs” and everything else these guys talked about. The jump in auto insurance is because they are raising the minimum liability limits substantially which means carriers and reinsurers are going to have to pay out way more for “injuries” and other damages. You’re going to see a massive increase in billboard injury attorneys across CA.

    • @Coolvibezareimmortal
      @Coolvibezareimmortal 12 днів тому +5

      Geico is a private corporation and subsidiary of Berkshire Hathaway Inc. which is owned by Warren Buffet.

    • @Yetified_Mayhem
      @Yetified_Mayhem 12 днів тому

      Yes but the majority of Buffet's companies do get locked in with government connection. That's one reason Warren's investments are safe

  • @danven1256
    @danven1256 12 днів тому +20

    Here where I live in California almost all of my favorite mom and pop restaurants have closed. Some locations have reopened for a short time with new owners but eventually have closed again. One building has had four businesses come and go in just the last couple of years. The business environment has become so bad here in California I just can't imagine why anyone would want to start a business.

  • @WorkDavid-l8s
    @WorkDavid-l8s 10 днів тому +1

    Our businesses in Missouri are down 22%, 1.1 million/year. Completely fell off of the table.

  • @kevinouellette5316
    @kevinouellette5316 12 днів тому +23

    Those stats are definitely skewed because of the amount of illegal immigrants getting insurance after getting their license this year, with no driving experience and most likely are charged as much as 18 year olds. I live in Massachusetts and 128.000 immigrants got driver's licenses this year, California is probably 5x that. Massachusetts also controls the car insurance and it cost 4x more than people in New Hampshire who don't restrict certain insurance. I'm against both crutches on insurance in our states but I'm surprised nobody mentioned that. Also soon all the illegals buying houses with zero down and $150k government money. So soon your home insurance will go through the roof.

    • @deep6301
      @deep6301 12 днів тому +2

      California will need a Federal bail out like NYC.

    • @sec9788
      @sec9788 10 днів тому

      Ahh the point of the story-to you average Mass-hole:
      STAY OUT OF NEW HAMPSHIRE!!!! 😡

    • @muddyhotdog4103
      @muddyhotdog4103 9 днів тому +1

      Oh, waay more than 5x's.

  • @mindersplaylist
    @mindersplaylist 12 днів тому +24

    The governor of Cali wants to be 1 of the riches men in the world. Think about it, why is he investing in other business ventures while he already has a commitment to do a job for the people as a governor. Governor is using his power to enrich himself and is corrupt AF. It only takes Common sense to see this.

    • @TheOnlyBlackInMeWasWillieBrown
      @TheOnlyBlackInMeWasWillieBrown 9 днів тому

      He's a Chinese puppet

    • @johnhansen3887
      @johnhansen3887 9 днів тому

      Hate to tell you it's happening in every state the libs are trying that in Idaho but they got a fight on there hands there because the residents show up to city meetings they don't in the bay area California I lived there and nobody shows for city meetings.period.

    • @davecollins6792
      @davecollins6792 9 днів тому

      Probably learned it from Nancy

    • @worldsstongeststrains983
      @worldsstongeststrains983 8 днів тому

      Gavin Newsome’s net worth is 20 million.
      By comparison, Betsy DeVos is worth 1.25 billion.
      Donald Trump is worth 7.5 billion.
      Newsome has a very long way to go to be the richest politician.

  • @Nimajneb78
    @Nimajneb78 День тому

    $25,000 down on an over priced house with an outrageous interest rate.
    Why are so few people talking about large corporations buying residential houses? Corporations buying residential houses cut availability, and raises prices. Combine that with interest rates, cost of fuel, cost of housing, cost of medical care, there isn't a middle class anymore.

  • @KEvinHurney-b2p
    @KEvinHurney-b2p 12 днів тому +9

    My home insurance has gone fro $1500 to $10,700 in the last few years. My car insurance just jumped over a $100 a month. My health insurance just went up $800 a month. I’m a freaking teacher. How do I afford my house anymore…. Plus, no one will buy my house with rates so high. Free market our insurance so we can afford this state again.

    • @chrislong8559
      @chrislong8559 12 днів тому

      With this economy middle class is getting it the worst. Poor people get alot of government assistance for all kinds of stuff. Rich people can handle it and middle class is making just enough to survive but thet don't qualify for majority of government assistance so we are feeling it the hardest.

    • @crad8
      @crad8 10 днів тому +1

      Do you live in a high fire hazard area? I do.. my rates gone up about 240% in 4 yrs.

  • @fotoflorian
    @fotoflorian 12 днів тому +63

    It’s happening in CT too.. a Democrat state.
    My coworker had to file a claim for his roof. The max claim allowed was 20k. Total cost was 49k. They approved and paid for the claim and immediately cancelled his insurance right after. Now, the cheapest quote he got was 14k/year increasing his total mortgage from 1800 to 3100/mo.
    During the same week, my grandparents in laws insurance is being cancelled because the repair they needed for their home “wasn’t don’t up to spec”.
    Absolutely insane and totally not a coincidence… 🙄

    • @janesunly
      @janesunly 12 днів тому

      Biden Harris regime will destroy the entire USA.

    • @CodyBecker-w4z
      @CodyBecker-w4z 12 днів тому

      Vote Blue

    • @tyler0506
      @tyler0506 12 днів тому +3

      Should have called me. My roofer in CT is the man and has done 10 or so roofs for me. Great guy out of western CT

    • @bubbajones4522
      @bubbajones4522 12 днів тому

      I can blame a lot on democrat socialists but this insurance BS isn't one of them. Insurance companies are rap1ng us all. My brother who works for Progressive just got a @20% annual bonus of $29K. Despite what you hear, they are raking in the $$$.

    • @lindahake1666
      @lindahake1666 12 днів тому +2

      @user….. Dude, that’s the whole problem.

  • @aquarianlight1880
    @aquarianlight1880 11 днів тому +1

    New Jersey did this too!!! Horrible. Car insurance monthly is higher than a monthly car payment. Now these insurance do not have to have you on as a customer. If my car transmission is out for more than a month I have to keep it on insurance even though its sitting on my driveway. Ridiculous.

  • @biggbbear6300
    @biggbbear6300 12 днів тому +26

    I moved Wisconsin two years ago from Napa California. When I got car insurance it was almost $1000 cheaper. I was shocked and I asked why and he said because car theft are way lower here.

    • @firevid6003
      @firevid6003 12 днів тому +1

      That's because most cars rust out in a decade or less and 1/3rd of the year everything is frozen. 😂

    • @bjwilliams
      @bjwilliams 12 днів тому

      from beautiful Napa to Wisconsin----like going from Heaven to Hell I live in NorCal...Valley near Sac...

  • @smokepeddler
    @smokepeddler 12 днів тому +17

    Auto insurance was out of hand. In the 90s the fixed it by allowing customers to buy insurance from out of state carriers.
    Here we go again.

    • @ThunderStruck94660
      @ThunderStruck94660 12 днів тому +2

      So I lived in Bahrain when I was in the Navy. Their insurance was simple. You paid like $300 a year for insurance and there was a sticker on your car windshield that was a color for that year. When you get in an accident, your insurance only covers your car.

  • @vanhawk1074
    @vanhawk1074 10 днів тому +1

    Something has to be done . Few of my friends in Arizona , they no longer carry any insurance . Food on the table is priority

  • @challenger909
    @challenger909 12 днів тому +17

    In 1 year, my insurance went up from 275ish to 445ish. Just under double. I'm in CA. 3 cars full coverage

    • @cherylharvey4374
      @cherylharvey4374 12 днів тому +2

      3 cars full coverage for $455 a month is not much. Tha t equates to $151 each car. I pay just $25 under that for a used car 2012. What ins do you have?

    • @kwd1253
      @kwd1253 12 днів тому +3

      If you are paying 450 full insurance for 3 cars, I wouldn't be crying, I pay 260 for one car. I dropped full to liability on my truck for 120. My other car has garage insurance for 60. I'm in louisiana. Car and house insurance is scandal don't care what Patrick says. Pay insurance on my house 15 years never used it. Big tree branches messed up my front of roof during a bad rain. They said it was act of nature and God they wasn't paying for it.

    • @cherylharvey4374
      @cherylharvey4374 12 днів тому +1

      @@kwd1253Exactly! What are they whining about lol?! Thats a great deal.

  • @mcawesomest1
    @mcawesomest1 12 днів тому +16

    Our auto insurance went from $1200 to $2400 and then 6 months later to $2900- we have no tickets and no accidents for 2 people!!

    • @TSUNAMICali
      @TSUNAMICali 12 днів тому +1

      Californication. Move to Idaho

    • @Blakelikesfood
      @Blakelikesfood 12 днів тому +5

      Renounce your citizenship, become an illegal citizen, and don't worry about registration, tags, emissions or insurance...and just drive.

  • @thornunia5057
    @thornunia5057 8 днів тому +1

    I'm in Texas and I just turned 65 and just liability on my truck is going to send me back to walking to get groceries. This is getting impossible in every State. HELP! At least the temperature is cooling a little, but now the Energy Companies will raise their prices as if that is some kind of, "GREEN NEW DEAL". I use less than 1000 kwh per month and these companies charge you a higher rate for using less electricity than most people. Yeah, "THE GREEN NEW DEAL", SOUNDS A LOT LIKE "THE GREAT DEPRESSION'. Everyone down in Texas were sold on Solar Panels and batteries. They are all complaining that the amount they are saving with Solar Panels doesn't even pay half of their electric bill sometimes less than that. They are depressed to say the least. I try to give them hope by telling them that hopefully the energy prices go down soon. I told them they are pioneer's in this field. The Government and Corporations are making their money up front and the poor slaves have to wait. How often in history do prices go back down. Rarely! This mess they have created in three years, will take 40 years to correct or even come close to correcting. That's World Wide. Texas, is running out of water, mainly due to a 5 year drought. What if this Drought continues, with all of these new people moving here. Well's are drying up in California and in Texas. This is not sustainable just with our current Natural Born Citizens, Naturalized Citizens and now all of the additional water drinkers that have been added in the last 3 years. WTF

    • @davidwolff4696
      @davidwolff4696 7 днів тому

      Drought is always blamed for the water problems, but you can't have ever-increasing populations on finite water supplies and expect that to work. A bit of math can show the real problem.

  • @freckledfox7308
    @freckledfox7308 12 днів тому +11

    I live in San Diego and am planning on leaving next year. I am sure that auto insurance is going up due to all the non-insured drivers here. The home insurance fiasco is BS. CA put a cap on what insurance companies can charge, but made it to where insurers left and now you have to use the State Home Insurance program which charges more than what you were paying (so the cost increase to homeowners shouldn't matter) and add to that the program is being sued because they aren't paying out. I don't blame insurance companies for leaving, with all the crime and CA not doing anything to lessen the fire damage because of it's eco policies it's not even about them making a profit, they are probably paying out more then what they are getting. It's bad here and the people that don't agree with that are either well off or benefiting from govt assistance.

    • @glfxfa5452
      @glfxfa5452 12 днів тому +2

      Please don't try to change a red state into blue.

    • @freckledfox7308
      @freckledfox7308 12 днів тому

      @@glfxfa5452 you shouldn't assume that everyone that lives in CA is a liberal because we are not.

    • @euphoricmonk
      @euphoricmonk 12 днів тому +1

      non-insured drivers and all the break ins, windows smashed, store looted we all have to pay for their MESS.

  • @brandonjones6780
    @brandonjones6780 12 днів тому +21

    Your first mistake is looking at this situation or any situation in California as blind unintentional and accidental. It absolutely is intentional. The government wants to get rid of private insurance agencies so that it can come in and save the day by offering subsidized government insurance at a very high premium! How else is the state going to pay for its deficit!

    • @fatcat5817
      @fatcat5817 12 днів тому +2

      Aka they want us to be dependent like dogs. 🐶

  • @Nimajneb78
    @Nimajneb78 День тому

    I was born in Los Angeles California back in 1978. We moved out of California to Texas 2 years ago.
    The only way I was able to move was to get a job in Texas with a company that helped with moving expenses.
    My rent had not gone up for 11 years because of a solid relationship with our Landlord.
    He lost his home in the Paradise Fire in California. He could not afford the cost to rebuild and had to sell the house we were living in.
    We were living in a 1970s mobile home. We payed 1000 a month for a two bedroom house, 54 miles from where I worked. With gas prices in Ca. I was paying $100 a week just to get to and from work. I left Ca. Making almost $40 an hour. I have a family of 5. Apartments we could afford were 2500-3800 dollars in really bad neighborhoods.
    I moved to Texas for less pay. I pay 2k for a bigger, newer house, 6 miles away from work. We live better on less money.
    I could've afford to go back if I wanted to.

  • @baronvonhoughton
    @baronvonhoughton 12 днів тому +15

    It's electric cars too, very costly to repair or replace.

  • @KuKicks
    @KuKicks 12 днів тому +11

    Californians will still try to blame trump.. 😂🤦‍♂️

    • @bjwilliams
      @bjwilliams 12 днів тому

      tRump did nothing but tweet, write love letters to Kim Yung--play golf, eat MacDonalds, let many hundreds of thousands die from Covid!!! Krazy man--too lazy to even read daily briefings--his son in Law did it for him! Go away Maga forever!!

  • @frenchthomasmusic
    @frenchthomasmusic 12 днів тому +1

    The worker ( I guess he’s a union guy, or something ? ) facing Trudeau’s bullsh*t is priceless 😂👍

  • @ryr635
    @ryr635 12 днів тому +5

    Thank you PBD for caring about Canada, especially what that man said to Trudeau. I watch all your content because I care about American issues too, thank you for more exposure of our issues!