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As investigators piece together what caused the limo crash that killed 20 people in upstate New York, more details are coming out about the 17 passengers, who had gotten together to celebrate a birthday.Authorities have not released all of the victims names, but the close-knit group were newlyweds, artists, athletes and young parents. Four were sisters.The limo failed inspection. And the driver wasn't properly licensed."Everyone's lives were cut way too short, and I don't know what to say about it. It just hurts," Karina Halse told CNN on Monday while visiting the scene of the accident where her older sister, Amanda Halse, was killed.Here's what we know about the victims: 688

An Indiana man faces charges for leaving a loaded gun in the car with his family as he shopped, after his 3-year-old daughter accidentally shot her mother, police said.Shanique Thomas, the woman who was shot, told police she was unaware that Menzo Brazier, 21, was carrying his weapon when they left their residence in Michigan City, Indiana.They brought along their children, a 3-year-old and a 1-year-old, the Merrillville, Indiana, Police Department said. Brazier asked if Thomas wanted to join him as he went to a nearby store and tried on clothes.But Thomas is seven weeks pregnant and told police she was feeling ill. So she decided to stay in the car, which was parked in the lot in Merrillville, with the children while Brazier shopped.Brazier left the loaded Glock19 9mm handgun between the center armrest and the front passenger seat, police said. His 3-year-old daughter got hold of it, and Thomas told police she heard a "loud pop, like a balloon." Then she realized the blood she saw was coming from her own body.The bullet went through the driver's seat where she was sitting and struck her back.She got out of the car to make sure her children were safe. That's when she found the gun, now in the backseat. Brazier was charged with two counts of criminal recklessness and two counts of neglect of a dependent."We just heard screaming," Hadassah Zirkle, a Plato's Closet employee, told CNN affiliate WLS. "We ran outside with a bunch of other people."The children were placed in custody of the Indiana Department of Child Services and remain there."The first thought was to get the kids out of there," Rebecca Todd, another employee, told WLS. "We grabbed them. We brought them inside, and we just tried comforting them as best we could."According to police, Thomas had surgery for the injuries and suffered nerve damage. 1848

Anyone could have predicted that Stephen Colbert's opening Emmy monologue would include talk of politics and mentions of President Donald Trump, but no would could have predicted a surprise cameo from White House alum Sean Spicer.The former White House press secretary made a brief appearance at the end of Colbert's opening monologue for a bit that appeared to mock Spicer's defense of Trump's inauguration attendance.PHOTOS: Celebs at the 2017 EmmysOn stage, Colbert asked if someone could predict how large this year's Emmy audience would be -- Spicer's cue to emerge from backstage."This will be the largest audience to witness the Emmys, period -- both in person and around the world," Spicer said from a podium.Spicer battled with reporters back in January as he defended the size of the crowd that showed up to watch Trump's inauguration. At the time, he said, "This was the largest audience to ever witness an inauguration, period," despite photographic evidence to the contrary.Colbert also joked that HBO's Emmy-nominated Bernie Madoff TV movie "Wizard of Lies" was "the Sean Spicer story." Spicer's appearance drew reactions of shock from the celebrity audience."Melissa McCarthy everybody. Give it up," Colbert said, joking, as the camera panned to McCarthy, who famously impersonated Spicer on last season's "Saturday Night Live."The-CNN-Wire 1363

Army Secretary Ryan D. McCarthy said Tuesday that he was suspending 14 leaders at Fort Hood after an internal investigation revealed "major flaws" in leadership at the Texas base.On Tuesday, McCarthy blamed leadership for allowing a culture that invited sexual assault against female soldiers to fester, saying the culture was "the direct result of leadership failures."McCarthy also said the Army would institute policy changes that he hopes to be in place by March 2021, adding that the internal investigation will "without a doubt will change the culture of the Army."Investigations into the alleged toxic leadership culture at Fort Hood began earlier this year with the disappearance of then-Pfc. Vanessa Guillen. She was last seen on the base on April 22 and was not seen until her remains were found at a nearby river in July.Hours after Guillen's remains were found, a suspect wanted in connection with her death died by suicide as police officers approached his car during a traffic stop. That soldier's estranged wife was later arrested in connection with Guillen's death.Guillen's family has maintained that prior to her death, she had been sexually assaulted by another soldier at the base. They also claim that she had been afraid to report the assault to her superior officers for fear of retribution.Weeks after her death, the Army said that while an investigation remained open, they had not found evidence that Guillen had been sexually assaulted.McCarthy did not make any specific statements regarding Guillen's case and the current status into the investigation into the assault allegations. However, he did say that Guillen's murder "shocked our conscience."Guillen's family held a press conference at the Fort on Tuesday at 4 p.m. ET.Speaking alongside Guillen's family, Houston Police Chief Art Acevedo said it is important for those aware of assaults to come forward."When a person is a victim, there no more powerful thing than love," Acevedo said. "I want to tell the community to come forward." Guillen's case wasn't the only sign of trouble at Fort Hood. Between January and late October, the Intercept reports that there were 28 deaths on the base, including five homicides and eight suicides.In October, The Intercept published a report that detailed fears of seven noncommissioned officers who said the culture at the base had grown so toxic that they feared for the safety of their soldiers.The report detailed rampant misconduct, including drug use, sexual assault and warning signs of suicide that were ignored by commanding officers.CNN reports that Fort Hood is home to 37,000 service members and has a total population of more than 60,000. 2682

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

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