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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

MONTPELIER, Vt. – Among the maple trees in west Vermont, on the outskirts of Montpelier, sits Morse Farm and Sugar Works. Elliott Morse and his brother Burr Morse run the farm. Their families have been farmers in the region for seven generations. “We were dairy farmers for most of those generations,” said Burr. “My father didn’t like dairy farming, that just wasn’t what you wanted to do.” Under Harry Morse senior, Burr’s father, the farm focused on tapping maple. When it was Burr’s turn to run things, he thought the land was suited to do something else too. The farm had enough land and the right topography for cross country skiing. “This was a junction here and really the main entrance to the ski system,” Burr explained as he walked the farm’s ski trails. “Skiing livened the place up in the winter.” Cross-country skiing on Morse Farm became a popular local attraction in Montpelier for more than two decades. “Families had fun and year after year they’d come up to ski,” Burr added. However, Morse Farm had to close its ski trails last year as the weather has become more unpredictable, and the snowfall amounts have been inconsistent. Over the past decade, Vermont has had almost 200 inches of snow one year, and barely 50 inches the next. “It’s not easy, it’s not easy at all. Skiing was with us for 20 years and now it’s like it died,” said Burr. The change has been tough for Burr Morse to accept, but necessary. Now he can focus all his attention to maple sugaring in hopes of minimizing the unpredictable weather’s effect on that business. “There are a lot of sugar maker walking around like, there’s not a problem. Nothing’s wrong, nothing’s wrong. I don’t have the patience for that,” he said. “I am a realist. I have my eyes open on the farm and darn it all I am concerned.” He’s concerned over how long technology, like vacuum pumps hooked onto maple trees, will work to draw sap from the trees when the weather is unseasonable. But he’s also concerned over how many more generations of the Morse family will be able to enjoy running the family farm. “I have just one grandchild 6-year-old girl and we love her to pieces and if she wants to carry on this place someday that would be great,” Burr said. “But will the place be here for her if she makes that choice I don't know and that's what I worry about.” 2347

"It's weird being a 16 year old these days," Reid Sotkin said. You could say Sotkin is just your average kid. He's a junior at Jenks High School who likes to hang out with friends. And oh, by the way, he's an investment guru."I just googled what books Warren Buffet recommended and that's kind of how I got my start," Sotkin said.One of his favorite books?"Actually this book right here," he said. "'The Intelligent Investor' taught me quite a bit."Sotkin is so passionate about investing, he's become a source of advice for friends young and old."I started investing myself and then all my friends started asking me what they should invest into and stuff," he said.Now, he's combining his love of investing and his passion for coding to develop an app to teach people how to invest wisely."There's a feature on the app where you put in your salary and how long until you retire, all your bills and everything," Sotkin said. Sotkin's app, "Calculating The Future," is an award winning app."It tells you how much you have to put in each month into each of them and it tells you how much money you'll have when you retire," he said. Sotkin appeared before a panel of judges on a Zoom call, answered all kinds of questions, and won the 2020 Congressional App Challenge."I guess they just chose me to win and then Congressman Hern gave me a phone call one afternoon. Yeah, I was pretty surprised," he said. Sotkin puts his money where his mouth is. He plans on living comfortably. So, he's investing now."I do a couple hundred dollars every month," Sotkin said. "So, I just do that so that way I'll have a couple million dollars by the time I retire just sitting in the background."During our Zoom interview, I just couldn't resist getting some advice about my own investment advisor, 2 Works For You's Chief Meteorologist Mike Collier."He's kind of been giving me some stock tips and they've been kind of terrible," I said as Sotkin laughed. "So, give Mike some advice on how he should invest in the stock market.""Basically, unless you're very smart and spending a lot of time, you're not going to beat the market," Sotkin said.Sotkin said he likes the S&P500. It represents 500 very reliable companies."That's gone up an average of 9.8% since its inception," Sotkin said. "That's the way to go. Just put it in index funds and let it accumulate over 30, 40, 50 years."The future is looking bright for this young entrepreneur and it could be for you, too. Sotkin said it's all about starting early, being consistent, and taking advantage of compound interest."Do you mind if I ask about your net worth right now," I asked."Yeah, but ah... I don't want to say right now," he answered.This story originally reported by Mike Brooks on KJRH.com. 2763

Not everyone is loving it. An iconic Times Square McDonald's, opened in 1984, shut its doors early Wednesday morning, a company spokesperson said. The 42nd Street location closed at 4 a.m. “McDonald’s reviews its restaurant portfolio on a regular basis to make the best decisions for our business moving forward," the spokesperson said. "The closing of the 42nd Times Square restaurant, which was planned before the pandemic, was a difficult decision, and allows us to focus on serving customers a few blocks away at the new flagship McDonald’s on 45th and Broadway and in the neighboring communities.”When it opened, McDonald's CEO Chris Kempczinski said the 45th Street location was about "showing off what McDonald’s can do." This article was written by Aliza Chasan for WPIX. 803

AURORA, Colo. -- For a two-and-a-half-month-old baby, Huntleigh has gone through a lot. She was born with her organs outside her body due to a rare birth defect called Omphalocele. "Omphalocele is a developmental anomaly that is a failure of the normal enfolding of the baby during development,” said Dr. Ken Liechty, a pediatric and fetal surgeon at Children's Hospital Colorado. Basically, omphalocele means organs like the stomach, bowel, and intestines are outside the baby’s abdominal wall, but still inside a sack. Surgeons are challenged with assessing each individual case and getting those organs back into the baby’s body. Thankfully, for Huntleigh, that surgical correction was possible almost immediately after birth. "Her organs and intestine were slowly reduced back into her abdomen – similar to rolling up a tube of toothpaste where you’re slowly pushing things back down into the abdomen and then closing the muscles over it,” Dr. Liechty said. Every case is different, and some are more severe. But overall, the birth defect is quite rare. According to 1084

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