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SACRAMENTO, Calif. (AP) — Californians who lost their home insurance because of the threat of wildfires will be able to buy comprehensive policies next year through a state-mandated plan under an order issued Thursday by the state insurance commissioner.As wildfires threaten the state, insurance companies have been dropping many homeowners who live in fire-prone areas.Most of those people turn to the California Fair Access to Insurance Requirements Plan, an insurance pool mandated by state law that is required to issue policies to people who can’t buy them through no fault of their own.But FAIR Plan policies are limited, offering coverage for fires, explosions and limited smoke damage.California Insurance Commissioner Ricardo Lara on Thursday ordered the plan to begin selling comprehensive policies by June 1 to cover lots of other problems, including theft, water damage, falling objects and liability.Lara also ordered the plan to double homeowners’ coverage limits to million by April 1.“You have people that now are being sent to the FAIR Plan and they have no other alternative. They won’t even get a call back from an insurance company to offer them a quote,” Lara said.The FAIR Plan has been around since 1968. It is not funded by tax dollars. Instead, all property and casualty insurance companies doing business in California must contribute to the plan.Known as the “insurer of last resort,” the plan has been growing in recent years as wildfires have become bigger and more frequent because of climate change. FAIR Plan policies in fire-prone areas have grown an average of nearly 8% each year since 2016, according to the Department of Insurance.Likewise, since 2015 insurance companies have declined to renew nearly 350,000 policies in areas at high risk for wildfires. That data comes from the state, and it does not include information on how many people were able to find coverage elsewhere or at what price.The FAIR Plan is governed by a board of directors appointed by various government officials. Lara says he has the authority to reject its operating plan. On Thursday, he ordered it to submit a new plan within 30 days that includes an option for comprehensive policies and other changes.California FAIR Plan Association President Anneliese Jivan did not respond to an email seeking comment.It’s unknown how much the plan’s new policies will cost. But rates for FAIR Plan policies are supposed to break even. The insurance industry must cover any losses. And if the plan generates a profit, that money is given back to insurance companies.FAIR Plan policies have been limited because, in general, the insurance industry doesn’t want state-mandated plans to compete with private insurance plans. But Amy Bach, executive director of United Policyholders — a nonprofit advocating for consumers in the insurance industry — says her group is “hearing from panicked consumers daily.”“If (insurance companies) don’t like it, the solution really is to start doing their job and selling insurance again,” she said. “This is an untenable situation.” 3083

RICHMOND, Va. — There has been a major drop in the number of people behind bars in the U.S. An analysis by The Marshall Project and The Associated Press found that between March and June, more than 100,000 people were released from state and federal prisons. That's a drop of 8%. By comparison, the Vera Institute of Justice found that for all of 2019, the state and federal prison population fell by 2.2%. As the U.S. struggles with the coronavirus, prison reform advocates are urging releases to halt its spread in correctional facilities. But their release, and how they behave when they’re out, is likely to affect the larger criminal justice reform movement. 671

Roughly 40 million people are estimated to wear a fitness tracker of some kind. Now one of those brands, Fitbit, has teamed up with researchers to try and predict COVID-19 symptoms before they start."About seven years ago when these Fitbits and things were coming out as fitness trackers, we said, Well they're probably pretty good physiological markers, not just fitness markers," said Dr. Michael Snyder with Stanford University's School of Medicine.Dr. Snyder says they were first able to use the technology to help them catch early signs of Lyme disease. The current pandemic has prompted them to take their research a step further."They're mostly built around heart rate which we think is better than skin temperature because not everyone gets a fever with COVID," said Dr. Snyder.Stanford's study is taking place in two phases. In the first, researchers evaluated six months of data in a majority of patients who tested positive for COVID-19. Their research showed COVID-19 patients had an elevated resting heart rate up to nine days before showing any symptoms of the virus."I view these as health monitors in the current pandemic. If we start flagging people as early as possible we’re going to be way [ahead in reducing] the number of cases, probably help people in saying no you shouldn’t go to work today. So, it has broad implications for the economy, pandemic spread and personal health period," said Dr. Snyder.Senior Vice President and General Manager of Fitbit Health Solutions, Amy McDonough, agrees."In particular, resting heart rate, heart rate variability, breathing rate all might change as your body is fighting off illness. So the study is really to look at what are the expressed changes that might happen," said McDonough."I think your immune system engages pretty quickly when you get ill and the cells are probably consuming a lot of energy and your heart needs to pound away to create some of them," said Dr. Snyder.Stanford's second phase of the study starts soon. People who have a fitness tracker can sign up and anonymously share their fitness data. Then, they can get alerted when researchers detect an elevated resting heart rate and possible early signs of contracting a virus."To be able to do that earlier detection can help keep people safe and help understand their body and when they might be fighting off illness," said McDonough.Dr. Snyder is confident in the technology, which he says helped him detect his own case of Lyme disease. "In one case which was on me, it was pretty clear I was ill because of the bio marker but I didn’t feel symptoms and my watch even picked that up. So what that tells you is it can detect disease when you’re presymptomatic as well as in asymptomatic cases which is pretty powerful," said Dr. Snyder.People can sign up for Stanford's study by logging into their Fitbit app or heading to innovations.stanford.edu.As for what Dr. Snyder hopes to take away from this study, he said "I hope to plant a wearable device on every person on the planet. Sixty percent of people have a smartphone so it's totally scalable. These are not expensive devices. They could be a lot cheaper than they are and obviously the ones in the future will be much more health-oriented."Eventually they hope to be able to detect the severity of an illness, as well. 3320

SACRAMENTO, Calif. (AP) — California Gov. Gavin Newsom has ordered the state police training program to stop teaching officers how to use a hold that can block the flow of blood to the brain. It is Newsom's first action following two weeks of protests across the country after the death of George Floyd. Floyd died on Memorial Day after a police officer put his knee on his neck for nearly 10 minutes.Since then, some police departments have moved to end the use of carotid holds that stop or slow the flow of blood to the brain. RELATED: More San Diego law enforcement agencies are dropping the use of carotid restraintSan Diego Police was the first local agency to ban the restraint technique and was soon followed by several other departments:Carlsbad Police DepartmentChula Vista Police DepartmentCoronado Police DepartmentEl Cajon Police DepartmentEscondido Police DepartmentLa Mesa Police DepartmentNational City Police DepartmentOceanside Police DepartmentSan Diego Community College Police DepartmentSan Diego County Sheriff’s DepartmentSan Diego Harbor Police DepartmentSan Diego State University Police DepartmentSan Diego Unified School District Police DepartmentUniversity of San Diego Police DepartmentNewsom said that hold has no place in the 21st century. 1278

Rumors are spreading on Facebook that there will be a nationwide blackout enacted by the Department of Defense from Nov. 4 to Nov. 6.In one Facebook video, a woman says an electromagnetic pulse drill will occur and urges her viewers to prepare for it. "There will be a very huge blackout," she says.The claim of a blackout has also coincided with a conspiracy theory alleging that this blackout drill coincides with planned Antifa protests across the country. However, the claims are false.Snopes says DOD will conduct a "communications interoperability" training exercise from Nov. 4-6, simulating a "very bad day" scenario.The exercise will simulate power and communication outages across the grid, but there will be no actual outages.DOD has done this exercise every quarter since 2013. A representative says the average citizen will "not even know" this exercise is taking place. 911

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