Eliminate insurance companies’ right to recover wildfire costs from the utilities whose equipment caused the fires — a legal mechanism called subrogation. Who Is Behind the Campaign — and Who Is NotThe ads are connected to a campaign called Wildfire Survivors First. Its website says it is funded by PG&E, SDG&E, and SCE shareholders — the three major California utilities that have been named in wildfire liability lawsuits. The Double Hit California Policyholders Would TakeHere is what most coverage of this story is missing. If the bills pass as described, California insurance policyholders would face two separate financial consequences — not one.