To explain what’s going on with insurance in California and why some can’t afford it or even get it this is why. If you owned a restaurant and were forced by law to sell your food to below cost and to hold that price no matter how much the prices of food, supplies or labor went up how long could you last before closing? If they didn’t let you close and forced you to serve food below cost until it looked like bankruptcy was the only way out, what would you do? This is what insurance companies faced but said no way and got out. The rest just got wiped out. They took consumer choice away.