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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) — California voters on Tuesday rejected a ballot measure that would have capped dialysis clinics' profits in an effort to improve patient care.Proposition 8 would have limited profits for dialysis clinics that provide vital treatment for people whose kidneys don't work properly.The measure was the most expensive initiative on the 2018 ballot in California, generating more than 0 million in campaign contributions. A health care workers union, Service Employees International Union-United Healthcare Workers West, funded the million supporting campaign. Dialysis companies contributed more than 1 million to kill the initiative.The union argued Proposition 8 would stop the dialysis companies from cutting corners to make money and force them to invest more of their revenue into patient care. Supporters say the profit-hungry companies don't adequately clean clinics and overwork staff.Dialysis providers say the measure was actually a tactic to pressure the dialysis companies to let workers unionize and would have forced clinics to close. They say most California clinics provide high quality care.Dialysis companies' effort to kill the measure was the most expensive campaign on one side of a ballot initiative in the U.S. since at least 2002. Most of that money came from the two largest dialysis companies operating in California: Denver-based DaVita Inc. and Germany-based Fresenius Medical Care.The measure would have barred dialysis clinics from charging patients more than 115 percent of what providers spend on patient care and quality improvement. If clinics exceeded that limit, they would have to provide rebates or pay penalties.Although the measure didn't spell out exactly which expenses counted toward the limit, dialysis companies argued critical management expenses would be classified as profits and bankrupt clinics.RELATED CONTENT 1898

ROCHESTER, N.Y. (AP) — The mayor of Rochester says reforms are coming to the police department as community elders seek to bring calmer minds to a fifth night of demonstrations over the March death of Daniel Prude, who lost consciousness after police held a hood over his head. Mayor Lovely Warren announced that the crisis intervention team would move from the police department to the city’s department of youth and recreation services at a news conference Sunday. Police Chief La’Ron Singletary said he supports the need for reform and is working with experts and clinicians in getting services for people with mental health issues that bring them into repeated police contact. More than 1,000 protesters gathered for a march led by community elders in Rochester Sunday night. 787

SACRAMENTO (KGTV) -- California ranks 37th in the nation for DUI fatalities and some cities have a DUI fatality rate two times higher than the state average, according to a new study.According to the study by ValuePenguin.com, mid-sized cities in The Golden State pose the largest risk.The study shows that several mid-sized cities, Barstow, Desert Hot Springs and San Pablo had an average of more than 10 DUI-related fatalities per 100,000 residents in recent years, or more than 10 times the state average.The study also found that five California cities, Vista, Hemet, Delano, Murrieta and Pittsburg saw DUI fatalities increase between 140 to 700 percent between 2012 and 2017.See the chart below for the complete list of cities with the highest DUI fatalities:  783

S.T.E.M. is an acronym for Science, Technology, Engineering and Mathematics.  The demand for skilled workers in science, technology, engineering, and math fields (STEM) is closely linked to global competitiveness. Using creativity and innovation to address these challenges is critical to meeting this demand of skilled workers.San Diego is considered one of the world’s most innovative metropolitan areas, and ranks #2 for producing the greatest number of patents in the nation.  STEM learning matters. Get inspired – use your imagination, creativity and be part of the future of San Diego.  STEM Students who explore technology and engineering solutions may be more likely to appropriately apply the concepts of mathematics to understand and address real life issues and solve problems or challenges. The principles of STEM may help to drive life success personally and professionally.High School ProgramsMotivating the most creative minds and preparing the next generation of “stem” leaders goes beyond the courses typically offered in California high schools. That’s why California state summer school for mathematics and science was created to explore advanced stem topics and provide opportunities for talented students STATEWIDE.COSMOS is an intensive four-week summer residential program for students who have demonstrated an aptitude for academic and professional careers in science, technology, engineering and mathematics (STEM) subjects. Talented and motivated students completing grades 8-12 have the opportunity to work with renowned faculty, researchers and scientists in state-of-the-art facilities, while exploring advanced STEM topics far beyond the courses usually offered in California high schools. Through challenging curricula that are both hands-on and lab intensive, COSMOS fosters its students’ interests, skills, and awareness of educational and career options in STEM fields.COSMOS is offered at the four sites: UC Davis, UC Santa Cruz, UC Irvine, and UC San Diego, simultaneously.  The Statewide Office is located at UC Davis.  Middle School Programs 2117