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NASHVILLE — With the popularity of genetic testing kits increasing, more people may begin to experience repercussions where their insurance premiums are concerned.The internet provides people with nearly anything they could possibly want day or night, but you may want to think twice before ordering a take-home genetics test from one of the many sites that offer them.Insurance premiums are determined by what sort of risk a person poses to their insurance company. This means that learning more about your heritage and the health conditions in your family history could lead to your insurance company charging you more.Jason Veirs, president and owner of insuranceexperts.com, warned that "a genetic test through a physician will become part of your medical history." Veirs says the general rule is if it's in your medical records, insurance carriers can ask to see  it. On the other hand, if you are using a consumer genetic testing kit, you will have to decide whether or not your trust that company to keep your results private.In the end, insurance companies cannot force you to take a genetics test and therefore, the choice to use one of these kits is entirely up to you. 1212

MOYOCK, N.C. – Three-year-old Vernon Smith is passionate about fire trucks and got a major surprise from dozens of first responders this weekend. Crawford Township Volunteer Fire Department in North Carolina hosted a drive-by parade for the little boy who is about to have his third open heart surgery.Vernon’s dad, Blake Smith, wanted to put a smile on his son’s face, so he asked if the local fire truck could drive by. Word got around about Vernon’s story, and dozens of firefighters, police and others wanted to be part of the surprise.Other surrounding departments learned about the event and joined in: Moyock Volunteer Fire Department, the Lower Currituck Volunteer Fire Department, the South Camden Volunteer Fire Department, Currituck County Fire-EMS, the Currituck County Sheriff’s Department, the Camden County Sheriff’s Department, Pasquotank EMS, Lantz’s Towing, and North Carolina State Highway Patrol.One of the assistant chiefs for the Crawford Township Volunteer Fire Department, Keith Storf, said the support they got from the neighboring departments was just phenomenal.Vernon’s mom, Brittany Blackwelder, said when she was 21 weeks pregnant, they learned that Vernon had a heart defect called hypoplastic left heart syndrome. It is a rare disease that causes the left side of his heart to not work properly, which causes the right side to work double-time.Blackwelder said this will be his third reconstructive surgery, and said hopefully it will stabilize him. She said he can never play competitive sports and gets tired easily, but she said otherwise he should be able to live a normal life.Storf said the little boy has gone through more than most adults. He said they were delighted to see him jumping up and down in the driveway during the surprise visit from the firefighters and first responders.“They gave him so many gifts and presents, and it was all about him and he was in heaven and excited,” said Blackwelder.“That was the best feeling in the world - to see his face,” said Blake Smith. “He was stoked.”This story originally reported by Margaret Kavanagh on wtkr.com. 2111

NATIONAL CITY, Calif. (KGTV) -- Police are investigating after they say a 26-year-old was shot and killed, possibly after a previous fight at a different location, Tuesday afternoon in National City.Police say the shooting happened near a 7-Eleven on the 800 block of Eta Street around 11 a.m. Tuesday. Police blocked off the parking lot after the shooting.A clerk at the convenience store at the time of the shooting said she didn’t see any violence or hear any shots fired.RELATED: Person shot near National City 7-ElevenIn a report released Wednesday, police say the shooting may be related to a fight at Mex Mart on the 1700 block of South 43rd Street in San Diego.Police said they will continue investigating but couldn’t release any further details on the incident.Anyone with information is asked to call the National City Police Department at 619-336-4411.   884

NATIONAL CITY, Calif. (KGTV) - Elementary school teachers in National City voted Monday to approve a strike. The teachers are frustrated with the way contract negotiations with the National School District for the 2017-2018 school year have gone.They say the biggest issues of contention are workload and teachers pay. "The District's behavior has been reprehensible from the very beginning of negotiations. The NSD's bargaining team has not tried to reach a settlement with the teachers for months,” said National City Elementary Teachers Association (NCETA) Bargaining Chair Irma Sanchez.A spokesperson for the National School District told 10News they are in mediation and cannot comment at this time.The NCETA will announce the decision at the NSD Governing Board meeting Wednesday.Although the teachers approved the strike, they say it could be months before anything happens.   926

Mississippi Republican Sen. Cindy Hyde-Smith joked about going "front row" to a "public hanging" in a video posted to Twitter on Sunday morning, prompting her opponent to call her comment "reprehensible.""If he invited me to a public hanging, I'd be on the front row," the senator is heard saying in the video.Hyde-Smith faces former Democratic Rep. Mike Espy in a runoff election on November 27 for the Mississippi Senate seat. The runoff election was triggered when neither she nor Espy received more than 50% of the vote total on November 6.Hyde-Smith was appointed in April to fill the seat vacated by longtime Republican Sen. Thad Cochran, who stepped down due to health reasons. She became the first female senator to represent the state.In the video, Hyde-Smith appeared to be speaking during a campaign event about the support of a Mississippi rancher.The line drew applause and laughter from the crowd. The short video clip was met with immediate backlash online and had more than 2 million page views as of late Sunday night. 1043