A high-stakes election is underway for California's insurance commissioner. Two Democrats, Jane Kim and Ben Allen, are vying for the position. Kim, a former San Francisco supervisor, and Allen, a state senator, advanced to the run-off after the June primary election.

A recent poll shows Kim with a lead, but more than half of respondents are undecided. Both candidates agree that California's insurance system needs a major overhaul, particularly after recent devastating disasters.

Further details about the candidates' visions and the election are available, including their plans to address the state's troubled insurance market.