👉 The department of insurance for California is like the Department of Transportation for New York City. It's a place where you can't get insurance, but you can sure get ripped off! Just imagine: you drive your car into a garage and someone says "hey, that's not enough coverage for my car!", then they charge $600 to fix it! That's how you stay covered in the state of California. But hey, you still have options like getting a credit card with a huge insurance premium or skipping the basics entirely! Just remember, your chances of being insured are low here because insurance companies hate you so much.