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PINELLAS COUNTY, Fla. — Millions of drivers received refunds on their car insurance after the pandemic forced a national shutdown. But the I-Team found out at least one major insurance carrier is asking to raise rates for drivers across Florida.Pinellas County resident Robert Stickler and his wife started working from home after the pandemic shut down Florida in March. “My family hasn't been driving, the cars have been sitting," Stickler said.Their insurance carrier Geico and many other large auto insurers in the nation refunded drivers. The Sticklers were refunded 15 to 20 percent of premium costs after the pandemic delivered a drastic dip in accidents and claims. That credit was reflected on the Stickler family bill.Robert Stickler welcomed the refund but said they suffered sticker shock when Geico socked them with a 0 rate hike to their 6-month policy in June. The increase was approved by the state. “It was going to be over 4 a month for 3 older vehicles,” said Stickler.In a letter from Geico:"There are many factors that affect your insurance premium such as age, driving history, location and the increasing cost of vehicle repairs." But this driver says that explanation does not add up. “There had been no changes what-so-ever,” said Stickler.We reached out to Geico and have yet to hear back. The I-Team checked state records and found Geico petitioned the Florida Office of Insurance regulation between March and August for a separate rate hike of nearly 7 percent after the pandemic hit.Doug Heller is with the Consumer Federation of America, a watchdog group that called on Geico this past May to give back some of its profits the CFA claims the company raked in during the pandemic as drivers stayed off the road. “We are paying premiums as if the pandemic never happened,” said Heller.The I-Team reviewed second-quarter profit earnings for some of the nation’s largest insurance companies. We looked at overall profits which include their auto insurance and found Allstate, Progressive and Geico business shot up by hundreds of millions of dollars for the second quarter of this year compared to the second quarter of 2019.Geico's parent company reported to investors its 2020 overall insurance profits were, ”...largely attributable to unusually high earnings from Geico due to lower claims frequencies. These results are likely to be temporary…"Former Florida Deputy Insurance Commissioner Lisa Miller says there’s a state law that regulates how much insurance can profit. “We have very strict set of factors of what these insurance companies can profit," Miller said. No one is alleging that Geico or any other insurance company made an excessive profit. However, Miller says if state regulators find that any auto carrier made an excessive profit, customers could be refunded under a Florida law meant to protect consumers.The I-Team requested an interview with Florida's Insurance Commissioner David Altmaier. His spokesperson declined our request but said in a statement."OIR thoroughly reviews all filed auto insurance rates filings to ensure they comply with all applicable laws and are not excessive, inadequate, or unfairly discriminatory. "In its latest earnings report. Allstate credited its auto policy profits to "....Higher premiums earned and lower loss costs from reduced miles driven.”We asked the company if it planned to refund more money to customers, but have yet to hear back. Progressive told us it filed in June to reduce premiums in 35 states including Florida.Geico’s rate hike request is still pending. We plan to keep following that and let you know how it could affect your bills This story originally reported by Jackie Callaway on abcactionnews.com. 3739

Online interaction with one another has gotten to the point where websites and apps are having to remind us how to act. The neighborhood app Nextdoor has gotten a reputation for sometimes strange posts that can prompt mean and off-color responses.There's a whole Twitter account dedicated to examples. Now, Nextdoor has rolled out a new feature to try and keep some civility online. It's called a "Kindness Reminder." If you try and post a response that's similar to one that's been flagged in the past, you'll get a reminder of the community guidelines and that they can change your response. But you can still post what you want. “One of the problems of the age we're living in is that people don't necessarily share a common understanding of what counts as civil interaction,” said Keith Bybee, a professor of law and political science at Syracuse University.Bybee says some people are strategically not civil or just plain rude in order to attract attention. You see it in politics and trolling behavior. But in the end, civility benefits everyone. “Civility is sort of the lubricant that makes social interaction possible,” Bybee said. “It allows us to live in a diverse, heterogeneous society but nonetheless coordinate our actions for common purposes, so it’s important to find a way to get along with strangers.”Ultimately, you have to care what the other person thinks of you to achieve civility. 1418

CHICAGO, Ill. – For the last few years, a refugee resettlement program in Chicago has been teaching women to be part of a social enterprise and improve their skill set. But as the Trump administration makes drastic cuts to the number of refugees accepted into the U.S., resettlement programs like this are bearing the brunt. With knitting needles in hand and sewing machines at the ready, women from all over the world, like Humaira, gather to learn from one another and create. “My name is Humaira. I’m from Afghanistan,” she said with a smile. Humaira is part of Loom, a group of refugee women artisans who congregate each week to create handmade functional crafts. Many have fled war and violence to resettle in the U.S. Loom Chicago Coordinator Rebecca Hamlin-Green says programs like this provide an opportunity for these women that might not otherwise be available. “Refugees in general face a lot of obstacles but women in particular do simply because they may be coming from a culture that doesn't emphasize employment or higher education or many of the skills and privileges that we enjoy,” she said. The program is administered by the Catholic Charities Refugee Resettlement Program in Chicago. Organizers say 70 percent of each sale price goes back to the women. “And then 30 percent goes back into the program so we can purchase their materials and provide the studio space,” explained Hamlin-Green. For many like Humaira, it’s not only a chance to make some extra money but to socialize and find community amongst other women – though they may not share the same language. “I like to make jewelry. I like to make crochet. And also knitting,” she said. But as of next year, the state department is capping the number of refugees allowed into the U.S. to 18,000, the lowest number since the refugee program was established in 1980. That’s an 80 percent cut from the 110,000 cap during the last year of the Obama administration. October became the first month on record in 30 years that not a single refugee was resettled in the U.S. And because federal dollars are tied directly to the number of arrivals, fewer refugees means fewer federal dollars for programs like Loom. Catholic Charities program director and former refugee Elmida Kulovic says they are feeling the pinch. “Basically, our program’s budgets are cut. So, for example in September this program lost four full-time positions,” said Kulovic. For now, the women at Loom are fortunate and thankful for a chance to escape persecution and poverty, while tens of thousands more have to wait. 2582

NEW ORLEANS, La. – Just before the lunch rush at one New Orleans restaurant, the hottest spot is the kitchen. The place is Café Reconcile: a restaurant that caters to both customers and its employees. “It’s not your typical job. It’s not the typical restaurant,” said Chef Eugene Charles Temple, Jr. “We come in here to change lives.” The café specializes in teaching culinary skills to disadvantaged young people, by training them to take on all aspects of restaurant work. It goes far beyond that, though. The café offers counseling and teaches classes on life skills – like how to open a bank account. “No one’s forcing them to come here,” said Gerald Duhon, Executive Director of Café Reconcile. “They want a change in their life.” Ahmaad Lott felt that first-hand. “To be honest, you know, I wasn’t in a great situation,” Lott said. Several years ago, he was facing mental health issues. Lott got help and eventually rose through the ranks at Café Reconcile to become a trainer to others dealing with similar circumstances. “That was me a few years ago,” Lott said. “I barely know this young person, but to know their story resonates to my story so deeply, and in a way that, you know, we can share our experiences and grow together.” Several thousand young people have graduated from Café Reconcile since it began more than two decades ago. However, the issue of “disconnected youth” is not limited to New Orleans. A 2014 Tulane University study found that, across the country, there are 6.7 million disconnected youth, costing the U.S. economy billion a year in lost tax revenues and needed social services. “The way we look at it is our young people don’t have anything wrong with them,” Duhon said. “What they have that many young people do not have is support—and particularly support around the barriers that are in their life.” It’s a support for which Ahmaad Lott says he’s grateful. “That gave me that avenue, that gave me that channel to really make something of myself,” he said. Lott has now also worked in a five-star restaurant in the French Quarter, following in the footsteps of thousands of others who found refuge at Reconcile. To learn more about the work being done at Café Reconcile, 2244

BRYAN, Texas – You’ve heard the saying “everything’s bigger in Texas.” Well, so is the Lone Star State’s problem with wild hogs. The invasive species has been wreaking havoc on the ecology and causing hundreds of millions of dollars in damage each year. In recent months, they’ve even become deadly. Some wildlife removal experts are using heavy ammunition and an aerial advantage to contend with the wild animals. “Heli-Bacon flies around in helicopters and we kill feral pigs with machine guns,” explained Heli-Bacon CEO Chris Britt. Britt admits it’s an unfair advantage, but he says that’s the point. “In this particular case though, the purpose is not to be fair. The objective is to kill as many as possible.” Britt co-founded 747

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