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SACRAMENTO, Calif. (AP) — Californians who lost their home insurance because of the threat of wildfires will be able to buy comprehensive policies next year through a state-mandated plan under an order issued Thursday by the state insurance commissioner.As wildfires threaten the state, insurance companies have been dropping many homeowners who live in fire-prone areas.Most of those people turn to the California Fair Access to Insurance Requirements Plan, an insurance pool mandated by state law that is required to issue policies to people who can’t buy them through no fault of their own.But FAIR Plan policies are limited, offering coverage for fires, explosions and limited smoke damage.California Insurance Commissioner Ricardo Lara on Thursday ordered the plan to begin selling comprehensive policies by June 1 to cover lots of other problems, including theft, water damage, falling objects and liability.Lara also ordered the plan to double homeowners’ coverage limits to million by April 1.“You have people that now are being sent to the FAIR Plan and they have no other alternative. They won’t even get a call back from an insurance company to offer them a quote,” Lara said.The FAIR Plan has been around since 1968. It is not funded by tax dollars. Instead, all property and casualty insurance companies doing business in California must contribute to the plan.Known as the “insurer of last resort,” the plan has been growing in recent years as wildfires have become bigger and more frequent because of climate change. FAIR Plan policies in fire-prone areas have grown an average of nearly 8% each year since 2016, according to the Department of Insurance.Likewise, since 2015 insurance companies have declined to renew nearly 350,000 policies in areas at high risk for wildfires. That data comes from the state, and it does not include information on how many people were able to find coverage elsewhere or at what price.The FAIR Plan is governed by a board of directors appointed by various government officials. Lara says he has the authority to reject its operating plan. On Thursday, he ordered it to submit a new plan within 30 days that includes an option for comprehensive policies and other changes.California FAIR Plan Association President Anneliese Jivan did not respond to an email seeking comment.It’s unknown how much the plan’s new policies will cost. But rates for FAIR Plan policies are supposed to break even. The insurance industry must cover any losses. And if the plan generates a profit, that money is given back to insurance companies.FAIR Plan policies have been limited because, in general, the insurance industry doesn’t want state-mandated plans to compete with private insurance plans. But Amy Bach, executive director of United Policyholders — a nonprofit advocating for consumers in the insurance industry — says her group is “hearing from panicked consumers daily.”“If (insurance companies) don’t like it, the solution really is to start doing their job and selling insurance again,” she said. “This is an untenable situation.” 3083

SACRAMENTO, Calif. (AP) -- A bill that would allow “bad officers” to be permanently stripped of their badges failed to pass the California Legislature.The measure was one of the year's top policing reform bills after the death of George Floyd while in police custody earlier this year.Law enforcement organizations opposed the bill because they said the proposed system is biased and lacks basic due process protections.The Legislature gave final approval to bills that would ban police officers from using choke holds and carotid holds and require independent investigations when police kill unarmed civilians.Those bills now go to Gov. Gavin Newsom's desk. 666

Risky behavior behind the wheel is up during the pandemic.One-third of all roadway deaths are speed-related. Impaired driving and accidents with ejection are also up — meaning drivers and passengers aren't wearing their seatbelts."That just defies logic to me," said Pam Fischer of the Governors Highway Safety Association. "You know, when you talk to people — 'Oh yeah. everybody wears seatbelts.' But when we look at the fatalities that are happening on our roadways, we know that half of the people who die in motor vehicle crashes are not properly restrained."The Governors Highway Safety Association (GHSA) met last week. They say they have to change how they get people to slow down while on the road."We can't put officers on every road, and we have to leverage technologies and resources that are going to help us to really get folks to change their behavior," Fischer said. "There's a very strong message being sent — you need to slow down. We're going to find you. We will stop you." Impaired driving is also up, according to the National Highway Traffic Safety Administration.The GHSA and Lyft just awarded five states — California, Illinois, Maine, Oregon and Washington — nearly 0,000 in grant funds to help prevent impaired driving over the holiday season. 1281

RICHMOND, Va. -- Pinterest is one of the top social media platforms for swapping recipes and home ideas. It can also be another way to share information about your health."With its largely female user base, Pinterest represents an opportunity for spreading credible information and communicating about health, especially women's health issues such as breast cancer, breast cancer prevention, and screening," said Carrie A. Miller, Ph.D., M.P.H., a postdoctoral fellow at the Virginia Commonwealth University's School of Medicine Massey Cancer Center and Department of Health Behavior and Policy.Miller led the Pinterest research study looking at how breast cancer information is communicated on the social media platform.VCU researchers analyzed a sample of 500 Pinterest posts which are referred to as pins. They were collected using Pinterest keywords such as breast cancer."We focused specifically on who posted the pin, the type of visual and textual information included in the pins as well as how users engaged with those pins. Whether those posts were repinned or saved or commented on," Miller said.The research found the posts were mostly text rather than posts of several pictures. Roughly 20 percent seem to come from everyday people."Individuals, Pinterest users just like you or me were posting. Often times, personal narratives, stories about breast cancer, their personal experience with the disease," Miller said.Dr. Miller says these posts can be used to empower the reader and encourage healthcare organizations to join the conversation.She also says if you have specific questions, always have a discussion with your doctor.Miller and her team are working on other social media studies. One study will look at genetic testing on Pinterest. A third study will examine triple-negative breast cancer on Instagram.This story was originally reported by Reba Hollingsworth at WTVR. 1902

SACRAMENTO, Calif. (AP) — The 737 inmates on California's largest-in-the-nation death row are getting a reprieve.Gov. Gavin Newsom plans to sign an executive order Wednesday placing a moratorium on executions.He's also withdrawing the lethal injection regulations that death penalty opponents already have tied up in court. And he's shuttering the execution chamber at San Quentin State Prison that has never been used since it was modernized following the last execution in 2006.Newsom says the order won't alter any convictions or allow any condemned inmate a chance at an early release.A prosecutor says Newsom is usurping voters' will.California voters have supported the death penalty, most recently in 2016 when they narrowly voted to speed up the process. How to do that also has been tied up in litigation. 822