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INDIANAPOLIS -- Ninety minutes after Tonya Holtgrave dropped her dog, Titan, off at Barkefellers on the west side, the doggy daycare called to tell her that Titan appeared to be injured.Holtgrave said they told her that they weren't sure what happened, but she needed to take him to a veterinary hospital immediately."I was just shocked when they called me and said he was hurt, and it's kind of been a shock ever since," she said.According to medical records, Titan fractured his tibia in both legs."They let my dog get hurt," Holtgrave said "That's negligence on their part, not mine."She said the vets told her Titan will need an expensive surgery. She wants the company to help pay for it."I just can't afford that right now, ,000 for surgery," Holtgrave said. "I am already out over ,000 just in all of these vet bills and stuff, and his medicine."Barkefellers said they checked their surveillance cameras and did not see any point where the dog might have gotten injured under their care. Holtgrave said she had Titan's vet call the facility. The manager said they can't pay for anything unless they have proof that Titan was injured on their property."The other vet had already told him it was a traumatic injury, that he didn't walk in there with two broken legs," Holtgrave said.The owners of Barkefellers said they will help pay for the medical bills once they have their own vets review the records and X-rays themselves, and get the proof they need to make sure this injury happened there. 1518

It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

In one of the most divisive political seasons in U.S. history, finding common ground has been a challenge. But one activist decided to put rubber to the pavement in the hopes of finding what connects us.Seth Gottesdiener recently embarked on a cross country odyssey on his bicycle.“It's my preferred method of transportation and I find it really meditative,” said the avid cyclist. “It's one of my favorite things to do athletically outdoors.”The 33-year-old social justice activist mounted his two-wheeler back in late September for what he called "The Great American Bike Ride."“I thought why don't I bike across America and talk to people,” said Gottesdiener. “I'll talk to just denizens of the country and see where they're at and see how this year has affected them and their opinions.”The 45-day journey began in Los Angeles. His plan was to pedal his way through 22 cities and 13 states, concluding his expedition in the nation’s capital on Election Day.“I was not prepared for the great Southwest,” he said. “It was very intense. It was very unrelenting. The heat was over 100 degrees a lot of the days, giant mountains, really dry.”All along the way, Gottesdiener met with Americans from all walks of life. He interviewed them as part of a feature documentary.“I want people to hear voices that they would have never come encounter with on their own. I want to connect Americans together.”The ride also took him on a journey of self-discovery.“There’s parts of the country that I hadn't ever seen before, like Arkansas, like Kentucky, and a lot of Tennessee. And it was beautiful,” he said.It was also an opportunity, he says, to gain a better understanding of fellow citizens bitterly divided by politics. He hopes the journey reminds one another of the human spirit that connects us all.“Be there for each other. Help each other. Pull each other up by the bootstraps, rather than be so divided as we've seen this year.”One of the questions that Gottesdiener asked people on his journey was: “If there's one thing you could say to all Americans right now, what would it be?”He knows what he would say.“I would just say ‘Listen.’” 2147

In the South, football is king. Which makes Westlake High School, home of multiple championships and the alma mater of a former NFL MVP, royalty.Now, this powerhouse program in the Atlanta area is facing an invisible opponent: COVID-19.“It’s completely changed the way we operate,” said Lions head coach Bobby May.May is following the Georgia High School Association’s ever-changing game plan. Which will hopefully get his team on the field and playing underneath the lights come fall.“Before they workout, we take their temperatures,” May said of his student athletes. “Right now, we are limited to groups of 20, including coaches.”Those coaches are required to wear masks and those groups of players are split up by positions -- and won’t interact in the weight room or on the field.“At least the quarterbacks and receivers can be together,” said Lions receiver Leo Blackburn. Blackburn has earned a scholarship to play football at nearby Georgia Institute of Technology next year.Before playing on Saturday afternoons, however, he wants to end his high school career with the guys he grew up with on Friday nights.“This football program is like a family,” he said. “It’s more than just football.”Millions of high school students play football across the country. Each state has its own set of guidelines when it comes to playing and practicing during this pandemic.Blackburn’s mother is a nurse fighting COVID-19 on the frontlines. So, he knows all about coronavirus concerns while watching from sidelines.“She has to take risks and then come home to her family just to make money,” he said. “Just wear your mask so we can put our helmets on.”That decision isn’t up to staff or students. At anytime, any state could call an audible and decide to keep fans out of the stands or even end the season.“We just hoping we have a season, period,” Blackburn said. “We really don’t care about fans, we’re just trying to bring this state championship home.”While playing in an empty stadium doesn’t bother Blackburn, a canceled season could cost communities something much more than just a game.“Without football in the South,” May said. “I think we would be in a world of hurt.” 2180

It's that time of year again, not only for gift-getting but also for gift-giving. And this year, some holiday tipping protocol is changing due to the pandemic.An appropriate holiday tip amount will vary based on who is receiving the tip and also how much you can afford to give, and this year that might have changed for many compared to last.Co-president of The Emily Post Institute and etiquette expert, Lizzie Post, suggests considering the following:"Who’s on your list, who is really important to you, what is your budget, and how can you use your words if you can’t do a gift or tip," she said.For many of us, delivery drivers or people who work curbside pick-up at grocery stores likely played a bigger role in 2020 than ever before. If you're looking for a way to say thank you, consider a contact-less gift in the range."I’ve heard of people handing over a few bucks or sometimes even taping it in the trunk, then you pop the trunk and the money’s there," said Industry Analyst at Creditcards.com Ted Rossman, who's gathered data on holiday tipping trends and practices.Especially now, metro Detroit servers like Patrick Foody say an extra gesture really goes a long way. He works at Basement Burger Bar in Detroit, which doesn't have outdoor dining and due to an epidemic health order from MDHHS, cannot offer dine-in service until Dec. 20.Foody says he often doesn't get any tip at all when working take-out, and after tipping out cooks and dishwashers, he sometimes loses money on orders.“We take care of you all year long. Around the holidays especially this year when we’re not working dine-in, just to throw a little bit more care our way if you can," he said.You can also buy gift cards to restaurants in lieu of giving extra cash tips for the holiday; some venues like Basement Burger Car offer discounts or deals. At Basement Burger Bar, every in gift cards you spend gives you bonus bucks to spend at the restaurant, Foody says.“There are some industries, some places where they cannot accept gifts or cash, Post said. Like certain long-term care facilities or mail carriers. USPS workers cannot accept cash or gifts more than a value.In cases like that, Post suggests snacks, refreshments, or baked goods with a handwritten note. It's important to make sure there's enough to be shared with co-workers or other members of an office or branch; always leave a note and a visible list of ingredients, Post advises. And this year due to the pandemic, pre-packaged or individually wrapped items are best.“A minority of people are tipping their trash or recycling collectors, only about 40 percent of people typically do that," Rossman said.Cash tips for garbage or recycling collectors should generally be in the - range according to The Emily Post InstituteFor personal service providers like stylists, barbers, personal trainers, dog walkers, and the like, a holiday tip should be the value of one session or serviceFor regular babysitters, an appropriate holiday bonus would be equivalent to one day or night's payLive-in care providers or house cleaners should be given one week's pay as a sign of holiday appreciationPost said for those who cannot afford to give a monetary thanks this holiday season, handwritten notes that explain the difficult circumstances and offer appreciation for service go a long way.Click here for more holiday tipping protocols to remember this year.This story originally reported by Jenn Schanz on WXYZ.com. 3485