Did insurers collude to force homeowners onto state insurance plan?

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Los Angeles Times
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Did insurers collude to force homeowners onto state insurance plan? What to know from two blockbuster lawsuits

California home insurers are facing twin lawsuits filed by homeowners who accuse them of colluding over the last several years to force them into the California FAIR Plan Assn. in order to profit from the higher premiums while reducing their liabilities in the event of a catastrophe — just what the lawsuits allege happened after the L.A. fires.

The Times spoke to both sides, as well as multiple experts to better understand the high-stakes litigation, which faces obstacles but could shake up California's home insurance industry.
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