Many of California's problems stem from people who want services, but don't want to pay for them.

The law proposed in Colorado is in effect in 36 states, so this idea is not unique to California. The legal fees issue is only one part of the law. It is mainly a subrogation issue.

Insurers don't like the law because it means if you get hit by an uninsured or underinsured motorist, they have to pay your medical expenses under your own policy and they cannot collect from you unless the other side has more coverage than the damages awarded to you. What will happen, most likely is that the insurers will raise their rates to cover the costs.