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If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

If you are way into politics, you are not the average American. Not even close.A new poll from the University of Pennsylvania's Annenberg Public Policy Center reveals how shockingly little people know about even the most basic elements of our government and the Constitution that formed it.Take your pick from this bouillabaisse:* More than one in three people (37%) could not name a single right protected by the First Amendment. THE FIRST AMENDMENT.* Only one in four (26%) can name all three branches of the government. (In 2011, 38% could name all three branches.)* One in three (33%) can't name any branch of government. None. Not even one.* A majority (53%) believe the Constitution affords undocumented immigrants no rights. However, everyone in the US is entitled to due process of law and the right to make their case before the courts, at the least.(And the First Amendment protects the rights to free speech, free exercise of religion, freedom of the press and the rights of people to peaceably assemble, in case you were wondering.)"Protecting the rights guaranteed by the Constitution presupposes that we know what they are," said Annenberg Director Kathleen Hall Jamieson. "The fact that many don't is worrisome."The Annenberg poll is far from the first to reveal not only our collective ignorance about the basic tenets of democracy but also the fact that we are even less informed than we were in the past.Take this Pew Research Center poll from 2010. When asked to name the chief justice of the Supreme Court, less than three in 10 (28%) correctly answered John Roberts. That compares unfavorably to the 43% who rightly named William Rehnquist as the chief justice in a Pew poll back in 1986.What did the 72% of people who didn't name Roberts as the chief justice in 2010 say instead, you ask? A majority (53%) said they didn't know. Eight percent guessed Thurgood Marshall, who was never a chief justice of the Court and, perhaps more importantly, had been dead for 17 years when the poll was taken. Another 4% named Harry Reid, who is not now nor ever was a Supreme Court Justice.What we don't know about the government -- executive, legislative and judicial branches -- is appalling. It's funny -- until you realize that lots and lots of people whose lives are directly affected by what the federal government does and doesn't do have absolutely no idea about even the most basic principles of how this all works.It leads to huge amounts of discontent from the public when they realize that no politician can make good on the various and sundry promises they make on the campaign trail. 2654

IMPERIAL BEACH, Calif. –  A former United States border patrol agent says he nearly lost his arm in 2010 after training in Silver Strand Waters in southern California.Joshua Willey says he contracted flesh-eating bacteria.“I just remember my arm was extremely swollen like I wanna say the size of a volleyball maybe, “ Willey said. “My family and I were told that I might have to have my arm amputated and that was hard to hear.”Willey joined the group, “Citizens against Sewage” Friday afternoon to demand action against the ongoing problem.President Trump is scheduled to visit San Diego next week to look at the border wall prototypes, and the group wants him to take a tour of the Tijuana River Valley and view the extensive sewage issues."Citizens against Sewage" also called for the commissioner of the U.S. International Boundary and Water Commission (IBWC) to resign or be reassigned for what they claim is a lack of action on the matter:IBWC sent the following statement to Scripps station KGTV in San Diego:"Our thoughts and prayers are with the Agent and his family. We have successfully pressed Mexico into taking emergency actions and that as a result fugitive illicit discharges are being intercepted.Mexico has told us and we are verifying that they are indeed taking steps to stop sewage from crossing the border. Commissioner Drusina will work until otherwise notified by the Administration." 1452

If you were waiting for the annual Kardashian-Jenner clan Christmas photo, or perhaps an invite to their annual Christmas Eve party, they are not coming.Khloe Kardashian tweeted this week that “taking this pandemic seriously is a must” and family traditions are being canceled.COVID-19 cases are spiking around the country, and in California, much of the state is under stay-at-home orders because of the dwindling number of available ICU beds. These orders include the most populous areas of the state, like Southern California where the majority of the Kardashian family lives.Responding to a question on Twitter about whether they were doing a Christmas party, Khloe responded, “The Covid cases are getting out of control in CA. So we decided that we’re not doing a Christmas Eve party this year. It’s the first time we will not be having a Christmas Eve party since 1978 I believe. Health and safety first though! Taking this pandemic seriously is a must.” 968

IMPERIAL BEACH, Calif. (KGTV) -- A local woman has a warning about a man she says is a real charmer with a hidden agenda.Elizabeth, 23, says the man is a good-looking guy in his late 20s who was a Facebook friend for two years.  They had mutual friends in common but had never met.He messaged her recently, asking her out to a sushi lunch. She agreed, but during the drive, she says he fidgeted with his blinkers and asked her to exit the SUV to make sure they were working. She agreed, and that's when he took off, with her purse, wallet, and sunglasses.When she posted his photo on Facebook, she says she got a flood of responses: dozens of other women with similar stories of theft."One woman said, 'He told me he had a gift for me in the trunk, and as soon as I got out, he drove off with my purse and several hundred dollars,'" Elizabeth recalls. She says none of the women called police because the man told them he had friends in a cartel. She's hoping some of them will now come forward to stop the thief.    "He's not going to stop," Elizabeth said. "He's going to keep doing this and preying on innocent women."If you have any information, please call San Diego Police at (619) 531-2000. 1235

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