保险人面临诉讼 指控串通 限制覆盖 加利福尼亚的野火易发地区。 Insurers face lawsuits alleging collusion to limit coverage in California's wildfire-prone areas.

在洛杉矶提起的两起诉讼指控主要保险公司(包括州农场)串通,限制加利福尼亚高风险野火区的保险范围,迫使房主加入FAIR计划,该计划以高保险费提供基本保险。 Two lawsuits filed in Los Angeles accuse major insurers, including State Farm, of colluding to limit coverage in California's high-risk wildfire areas, forcing homeowners onto the FAIR Plan, which offers basic coverage at high premiums. 保险商持有75%的市场份额,据称在易发生火灾的地区降低了保险的覆盖率,使房主在最近的野火之后得不到保险。 The insurers, holding 75% of the market, are alleged to have dropped coverage in fire-prone regions, leaving homeowners underinsured after recent wildfires. 这发生在加利福尼亚州保险危机中,公司提高利率,限制覆盖面,或因气候变化加剧的野火风险而撤出高风险地区。 This comes amid California's insurance crisis, with companies raising rates, limiting coverage, or withdrawing from high-risk areas due to wildfire risks exacerbated by climate change.