A SOARING NUMBER OF CALIFORNIA HOMEOWNERS ARE RELYING ON THE "FAIR PLAN" FOR THEIR HOMEOWNERS INSURANCE.... AS MAJOR PRIVATE INSURANCE COMPANIES ARE DROPPING POLICIES... AND REFUSING TO WRITE NEW ONES.  A NEW CBS NEWS CALIFORNIA INVESTIGATION... WHICH AIRS TONIGHT ON CBS 13 IN SACRAMENTO.... GOES DEEPER INTO THE FAIR PLAN.... IT'S PROBLEMS.... AND SOME POSSIBLE SOLUTIONS TO THE HOME INSURANCE CRISIS IN CALIFORNIA.