 We are on our way to enacting the state's largest insurance reform in 30 years. That's California Insurance Commissioner Ricardo Lara testifying in front of state lawmakers last month. Insurance experts say regulations here have kept premiums artificially low and inflexible, which is part of what's driving insurers away. So by the end of the year, the state plans to make big changes that the industry wants. In return, insurers must write more policies for people like Jim Boyd. So it's really a carrot and stick.