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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

Russian President Vladimir Putin said he "couldn't care less" if Russian citizens tried to meddle in the 2016 US election because, he claimed, the perpetrators weren't linked to the Kremlin.During a no-holds-barred interview with NBC News' Megyn Kelly, Putin repeatedly denied ordering a multifaceted influence campaign to sabotage the presidential election."Why have you decided the Russian authorities, myself included, gave anybody permission to do this?" Putin asked.  485

SACRAMENTO, Calif. (AP) — California lawmakers are considering proposals that would make the state the first in the nation to offer government-funded health care to adult immigrants living in the country illegally.Democratic Gov. Gavin Newsom has proposed covering immigrants 19 to 25.A proposal in the state Senate would expand that coverage to include people 65 and older, while the Assembly is considering a bill that would extend benefits to all low-income immigrants 19 and older.California already covers immigrants 18 and younger regardless of their status.A final decision on wider coverage may come down to cost.Newsom estimates his plan covering young adults would cost million a year. Legislative staffers estimate the Senate's plan could cost 4 million and the Assembly proposal .2 billion annually.Newsom estimates California will have a .5 billion budget surplus. But he has urged lawmakers to constrain spending, warning the next recession could cost the state billion in revenue. 1019

SACRAMENTO, Calif. (AP) — Law enforcement agencies in California must release police misconduct records even if the behavior occurred before a new transparency law took effect, a state court of appeals has ruled.The 1st District Court of Appeal's decision released Friday settles for now a debate over whether records created before Jan. 1, when the law took effect, were subject to disclosure. Many police unions have sued to block the records release, while public information advocates argued the records should be disclosed.The ruling applies to police agencies statewide, including the attorney general's office, unless another appellate court steps in and rules differently, said David Snyder of the First Amendment Coalition."These records are absolutely essential for the public to be able to see what the police departments are doing with respect to police misdoubt," said Snyder, whose group intervened in the case. "These agencies have enormous power over Californians and so transparency of those agencies is absolutely essential in order to be able to hold them accountable."At least one agency reversed its prior decision to deny access to old records after the ruling came in. Sacramento County Sheriff Scott Jones said he would release records dating back five years after reading the court of appeal's decision, the Sacramento Bee reported.Mike Rains, an attorney for the Walnut Creek Police Officers Association and other police agencies seeking to block the disclosure, said he doesn't see the decision as setting precedent on the merits of the case but that agencies are likely to take guidance from it unless another court rules differently.His clients do not have an issue with releasing records of misconduct produced after Jan. 1, Rains said, but see the release of old records as a privacy violation."Police officers used to have a privacy right," he said. "We don't believe it changes the rights of privacy to those records that were created prior to Jan. 1."California lawmakers voted last year to require police agencies to release records on police shootings and officer misconduct to the public. Police unions had sought to block old records, with some law enforcement agencies even destroying them. Attorney General Xavier Becerra also declined to release records from his office, saying the intent of the law need to be clarified by the courts.The appeals court ruled on March 12 but only made the opinion public Friday.The rulings by a panel of three justices said the old records can be released because the action triggering their release — a request for public information by reporters or others — occurs after Jan. 1. The justices also noted the release of the records does not change the legal consequences for officers already found to have engaged in misconduct."The new law changes only the public's right to access peace officer records," the justices wrote. 2908

SACRAMENTO, Calif. (AP) — California Democratic Party Chairman Eric Bauman announced Thursday that he plans to resign, following a cascade of sexual harassment allegations that emerged against him in recent days.Bauman's decision came hours after Governor-elect Gavin Newsom, a Democrat, called for the embattled chairman to step aside. Bauman said he would immediately give his resignation to party officials.Newsom cited a Los Angeles Times article describing allegations of crude comments and inappropriate physical touching by Bauman, including asking two young women if they were sexually involved."I have made the realization that in order for those to whom I may have caused pain and who need to heal, for my own health, and in the best interest of the party that I love and to which I have dedicated myself for more than 25 years, it is in everyone's best interest for me to resign my position as chair of the California Democratic Party," Bauman said in a statement.RELATED: Top California Democrat on leave amid sex misconduct inquiryHe did not directly address the allegations against him.Bauman's resignation announcement came after he said Wednesday he is seeking treatment for alcohol abuse and other health issues while he takes leave from the party chairmanship he narrowly won in early 2017. He is the party's first openly gay chairman.The party shake up comes as California Democrats celebrate sweeping victories in the November election that furthered the party's grip on power in Congress and the state Legislature.He has faced mounting pressure to quit since the party's vice chairman, Daraka Larimore-Hall, made allegations of sexual harassment and assaults by Bauman against unnamed victims.RELATED: Top California Democrat faced allegations before electionBefore Larimore-Hall's accusations, someone made a sexual harassment complaint to the party against Bauman days ahead of the midterm election, said David Campos, chairman of the San Francisco Democratic Party.He told The Associated Press that two young women reported drinking and comments about sex by Bauman during a state Democratic Party bus tour. The Los Angeles Times quoted two 21-year-old women describing Bauman asking them if they were sexually involved at a stop on the tour.Newsom, the incoming Democratic governor, "is troubled by the serious allegations," his spokesman Nathan Click said in a statement.RELATED: California Democrats investigate sex claims against chairman"Sexual harassment shouldn't be tolerated — no person or party, no matter how powerful, is above accountability," the statement said.Newsom's statement said the investigation should continue so victims can be heard, "but given the numerous detailed, severe and corroborated allegations reported by the Times, he believes the best course of action for the party is for the chair to resign."California Democratic Party Secretary Jenny Bach also called Thursday for Bauman to resign, citing the "harrowing and upsetting" allegations. 3004

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