金·金：大话连篇，对事实缺乏尊重，公然撒谎。金·金是一个NIMBY（邻避主义者），她帮助创造了旧金山的末日循环，现在她正在失败的道路上越走越远。
Jane Kim: Big Talk, little respect for facts, outright falsehoods Jane Kim is a NIMBY who helped create the SF doom loop, and now she's failing up: sh...
Garry TanAI2026-09-09
观点：加州保险计划中简·金自信的无知
加州保险专员候选人简·金（Jane Kim）在竞选活动中大谈特谈，却对事实缺乏尊重，有时甚至公然撒谎。简·金，一位前监督员，正在竞选加州保险主管。| 来源：Amanda Andrade-Rhoades/The Standard
帕特里克·沃尔夫（Patrick Wolff）发表于2026年9月9日6:00
加州的保险系统正处于危机之中。保险公司纷纷撤离该州：截至2025年，12家顶级保险公司中的7家，代表着85%的住宅保险市场，已暂停或限制在加州的新业务（点击查看详情）。自2020年以来，住宅保险保费几乎翻了一番（点击查看详情）。去年，加州一半的房屋卖家报告称（点击查看详情），至少有一个出价因保险不可用而失败。解决这一问题的责任落在加州当选保险专员身上。仅凭这一背景，你就应该坐直身子，认真关注，但还有两个因素使得保险专员成为今年11月最重要的州级竞选。首先，这是唯一一场真正有竞争的州级竞选，有两名强大的民主党竞争者：州参议员本·艾伦（Ben Allen）和前旧金山监督员简·金。其次，艾伦正在开展一场诚实地解决关键问题的竞选活动，而金则没有。
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我在2026年州初选中是加州保险专员候选人。为了制定我的政策平台（点击查看详情），我花费数月时间研究加州复杂的监管体系，与专家交谈，并会见了受保险影响和参与保险事务的人们。
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原文
OpinionThe confident ignorance of Jane Kim’s plan for California insuranceThe candidate for insurance commissioner has campaigned on a platform of smoke and mirrors: big talk, little respect for the facts, and at times outright falsehoods. Jane Kim, a former supervisor, is running for California insurance chief. | Source: Amanda Andrade-Rhoades/The StandardBy Patrick WolffPublished Sep. 9, 2026at6:00amShareShareCopy linkto this articleEmail (opens in new tab)Twitter (opens in new tab)Bluesky (opens in new tab)Facebook (opens in new tab)LinkedIn (opens in new tab)Telegram (opens in new tab)WhatsApp (opens in new tab)Reddit (opens in new tab)Close share menu9There are $9 comments on this storyPublished Sep. 9, 2026at6:00amCalifornia’s insurance system is in crisis. Carriers have been leaving the state: As of 2025, seven of the top 12 insurance companies, representing 85% of the homeowners insurance market, had paused or restricted new business in California (opens in new tab). Homeowners insurance premiums have almost doubled (opens in new tab) since 2020. Half of California home sellers last year report (opens in new tab) that at least one offer fell through due to unavailability of insurance. Fixing this is the job of California’s elected insurance commissioner. This context alone should make you sit up and pay attention, but two other factors make insurance commissioner the most important statewide race this November. First, it is the only meaningfully contested statewide race, featuring two strong Democrat competitors: State Sen. Ben Allen and former San Francisco Supervisor Jane Kim. And second, Allen is running a campaign that honestly addresses the key issues, while Kim is not.ADVERTISEMENTI was a candidate for California insurance commissioner in the 2026 primary. To develop my policy platform (opens in new tab), I spent months studying California’s complicated regulatory system, talking with experts, and meeting with people affected by and involved in insurance at all levels. I even took the time to study for and pass the state licensing exam (opens in new tab). I also studied my opponents carefully. I closely read their policy proposals. I watched every candidate interview I could find. And I listened attentively when we participated in dozens of candidate forums and events. Most of the candidates seriously addressed the important issues facing California. While of course we had many areas of disagreement, I always respected their intellectual honesty and earnestness. Kim, by contrast, has campaigned on a platform of smoke and mirrors: big talk, little respect for the facts, and at times outright falsehoods. Kim was a San Francisco supervisor from 2011 to 2019 and spent four years on the Board of Education before that. She ran for state senate in 2016 and for mayor in 2018. She has spent several years organizing for the Working Families Party throughout California. Kim’s disingenuous campaign gained her the most votes in a low-attention p