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California's Camp Fire didn't just kill dozens of people and destroy thousands of homes. It also left an insurance company in financial ruins, unable to pay millions of dollars to policyholders.A state judge ruled that Merced Property & Casualty Co. can't meet its obligations after last month's Camp Fire, the deadliest and most destructive wildfire in California history.Merced's assets are about million, but it faced about million in outstanding liabilities just in the city of Paradise, court filings show.Judge Brian McCabe's decision allows the California Department of Insurance to take control of Merced. According to court documents, the state's Conservation & Liquidation Office will start liquidating what's left of the company.Photos: Wildfires devastation in CaliforniaUnlike with bankruptcy, where a business or individual can start over, liquidation means there is no hope for a company's recovery.Fortunately for Merced's policyholders, they are covered by the California Insurance Guarantee Association, which "protects resident claimants in the event of an insurance company insolvency."But the association has maximum benefit limitations, according to Merced."If it ends up that you have a claim in excess of CIGA's limits," the company said, "the excess will be a claim against the assets of Merced." 1337

Charles Lazarus, who founded Toys "R" Us 70 years ago, died Monday, a week after the company announced it will be forced to shut down its U.S. operations.Lazarus, 94, no longer had any ownership position in the chain. He started the company as a 25-year old in 1948, anticipating that the post-war baby boom would create demand for baby supplies and toys. He stayed on as CEO until 1994.The-CNN-Wire 407

CHICAGO, Ill. – In 2016, some 33 million ballots were cast by mail, about one quarter of all votes cast. With pandemic protocols and precautions in place, experts estimate a record-breaking number of mail-in votes this election cycle.Voting by mail has been in place for more than 150 years – since the Civil War.“It's become so common in the United States that since 2010, about a quarter of the electorate has voted by mail in federal elections,” said Lawrence Norden, director of the Election Reform Program at the non-partisan Brennan Center for Justice.Some states have what’s known as a universal vote-by-mail system, which means they mail ballots to all their voters. But in most states, voters must request an absentee ballot.“Most of them have made exceptions for 2020, because of COVID and so what we have left is only a handful of states where you need an excuse to vote by mail,” said Norden.According to the National Conference of State Legislatures, normally 34 states and Washington, D.C. allow no-excuse absentee/mailed ballot voting. Those include: Alaska, Arizona, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Maine, Maryland, Michigan, Minnesota, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming.Five automatically mail ballots to voters: Colorado, Hawaii, Oregon, Utah, and Washington. And specifically, for 2020, at least four more have done the same: California, New Jersey, Nevada, and Vermont.For months, President Donald Trump has claiming that mail-in voting leads to mass fraud.“The mailed ballots are corrupt, in my opinion. And they collect them, and they get people to go in and sign them. And then they — they’re forgeries in many cases. It’s a horrible thing,” he said to reporters in April.Experts say that’s not true. While there have been a few examples of fraud committed in mail voting, in modern history, studies indicate it’s not common at all.“The chances of somebody committing fraud in mail voting is about the same as somebody getting struck by lightning,” said Norden. “It's extremely rare.”Rejection is more common.According to the Brennan Center, during the midterm elections, nationwide more than 430,000 mailed ballots were rejected due to delays, minor defects, and voter errors. In some states, rejected ballots affected minorities at higher rates than white voters.Norden recommends voting as early as possible when using a mail-in or absentee ballot.“Do it early, so you can avoid the kind of last-minute complications that sometimes we've seen,” he said. “The number one reason that mail ballots don't count is because people get them in late.”Even with the vote-by-mail expansion, there are still variations in deadlines and rules. Experts say it’s also important to make sure you follow your state’s specific requirements. 2999

CARLSBAD, Calif. (KGTV) - A motorcyclist from San Marcos died Sunday after crashing into a truck in Carlsbad.According to Carlsbad police, the 19-year-old motorcyclist was riding along the 4600 block of Carlsbad Boulevard when he collided with a Toyota Tundra around 4:35 p.m.Emergency responders arrived and transported the motorcyclist to the hospital but he was pronounced dead on the way.The driver of the Toyota, a 38-year-old man from Grand Terrace, stopped on the scene.Investigators have not said what caused the collision. They were still looking for witnesses to come forward. Anyone with information is urged to call Corporal Travis Anderson at 760-931-2208. 682

California political activist and billionaire megadonor Tom Steyer joined a group of protestors outside Republican Congressman Darrell Issa's Vista office Tuesday morning. Just days ago Steyer made headlines and drew criticism from President Trump himself  after he used  used million of his own money to start running television ads calling for Trump's impeachment.  399

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