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SAN DIEGO (KGTV) -- Following several years of record-breaking fires around California, the state’s department of insurance is letting residents know they have options if their insurance gets dropped. Under Proposition 103, a law approved by voters in 1988, insurers are required to file rate changes with the California Department of Insurance. Although the department doesn’t set rates, state law requires that insurers’ rates are based on a demonstrated risk of loss. New laws that both took effect in 2019 also offer some protection. One of the laws specifies that homeowners living in a declared wildfire disaster area or adjacent zip codes receive one year of protection from non-renewal. The state also extended protections against non-renewal for people who suffer a total loss during a fire to two automatic renewals or 24 months. If you find yourself in the middle of a non-renewal, the department lists specific rights California residents have: The notice of non-renewal must be sent at least 45 days prior to policy expiration. That notice of non-renewal must contain: (1) the reason or reasons for the non-renewal; (2) the telephone number of the insurer's representatives who handle consumer inquiries or complaints; and (3) a statement indicating that if the consumer has contacted the insurer to discuss the non-renewal and remains unsatisfied, the policyholder may have the matter reviewed by the Department. The insurance company must determine whether to renew or non-renew based upon its underwriting guidelines, which must be objective, have a substantial relationship to the risk of loss, and be applied consistently among insureds in the particular group being non-renewed.For anyone who can’t find insurance, the department has another option. The FAIR plan is available to all homeowners as a last option for coverage. The maximum limit written by the plan on residential property is ,500,000. According to the department, insurance companies use different tools and maps to determine high-risk areas around the state. Click here for a list of resources from the California Department of Insurance. 2135

SAN DIEGO (KGTV) - Driving on roads in San Diego during the holiday season can be a headache, as residents and tourists alike deal with increased traffic caused by extra congestion. This year, during Thanksgiving week, the roads have been a little bit safer, according to statistics released by the California Highway Patrol. San Diego County DUI arrests and auto fatalities were both down from last year, for the time period between Wednesday at 6:00 p.m. and Friday at 6:00 a.m. Going into the weekend there have been a total of 21 DUI arrests recorded in San Diego, a decrease from 27 arrests from 2017. RELATED: Check 10News?traffic updatesThe results are also reflected across the state, where the 294 DUI arrests are down from 386 a year ago. There have been no fatal car accidents in San Diego, compared to one at this time last year. Across the state there were 17 car accidents resulting in death, compared to 19 in 2017. The CHP reports that of the 13 fatalities that occurred in their jurisdiction, five were not wearing seat belts.  1142

SAN DIEGO (KGTV) - Governor Gavin Newsom's announcement Friday on the fall school year left many parents unsure what to expect.Schools have a list of guidelines they must comply with to open in person classes. The most difficult guideline, potentially, is to stay off the state's watch list for 14 consecutive days.This leaves parents in limbo.Tancy Campbell has been juggling a 9-year-old, 5-year-old with special needs, and an Esty shop while her husband is deployed with the Navy. "I'm overwhelmed right now," she said.RELATED: Newsom: Counties on state watch list won't start fall school year in personWhen it comes to the school year she has mixed feelings. She is less nervous about her 9-year-old who understands social distancing and mask etiquette, but her 5-year-old son hasn't reached that level yet."I'm worried about him going but I'm worried about him staying as well so it's like a double-edged sword," Campbell said.She said he has autism and is regressing without social interaction, but if he were to go to school right now she's worried he could catch coronavirus. These stresses piling up over the past four months.Licensed Psychologist Dr. Michelle Carcel said she's heard from a lot of exhausted parents and has this advice, "all of us need to take a step back and realize this is an imperfect situation and mistakes will be made and that's okay."She said it's important to create a routine to set barriers with the kids. "Also putting signs in different places where there's play area time and where there's school time. So that way you're making a division with work and play," Carcel added.Post a schedule somewhere that everyone can read, so the kids know when parents are busy and when they can have their attention.She suggests dividing and conquering if possible. Enlist help from your partner, or family members to divvy up the childcare responsibilities.She also said if you aren't happy about the decisions being made, let your representatives know. "You're not helpless, you're not alone, make sure you advocate for you and your family," Carcel said.Most importantly, don't forget to take care of yourself."I would just like to tell all the mommas and the daddies to stay strong if they're at home with their kids, it's a lot," Campbell said.A lot to handle, but a labor of love. 2320

SAN DIEGO (KGTV) -- Dozens of San Diegans are calling on the City Council to take action after they say a decision to let people live in their cars is creating homeless camps in their neighborhoods. Sarah Bonesteel has lived in the Pacific Beach area for 20 years. “It’s ruining the neighborhoods,” Bonesteel. Lately, she says camps of people living in their vehicles are destroying the lifestyle for people who live in the area. “It can be 5 or 6 of them all together on a block. I pay a lot to live here by the beach, and it’s ruining the environment.”It’s been about a month since San Diego’s City Council voted to repeal a decades-old ordinance that prohibited people from living in vehicles on city streets. Now, it’s legal again and some residents aren’t happy about it. “There’s pedophiles close to the schools, we can’t take kids to the library anymore. A lot of people drink and do drugs in their vehicles,” Bonesteel continued. RELATED: City of San Diego allows homeless to live in vehiclesAnd it’s not just the beach towns. Off the 94 near Webster, RVs and giant vans line the street, one even equipped with a satellite dish. Frustrated San Diegans like Bonesteel have even created a coalition to try to fight the change. Residents have been sharing photos and stories, like one woman who says her kids witnessed people beating each other outside a van. Another man says teachers at a local preschool are extremely concerned. In Ocean Beach, one woman captured a photo of a dilapidated school bus. “We’re trying to compile information, pictures of it all, so that we have it documented.”Some people living in their RVs told 10News off camera that they don’t have any other options. But how far has the repeal gone? 10News found people on Airbnb trying to rent out vans with “an ocean view.”“We had joked about them maybe doing that, and then there’s been ads and it’s like holy crap, they’re actually going to rent it out,” Bonesteel said. “This is going too far.”Bonesteel has a message for San Diego’s City Council. “Please think about what you’ve done.”10News tried to reach out to councilmembers about the issue, but haven’t heard back. The coalition trying to fight the repeal says they want a sit-down with the council to go over the problems they’ve documented. 2288

SAN DIEGO (KGTV) — Hundreds of students are suspended from Greek Life at San Diego State. The school confirmed the Sigma Phi Epsilon and Alpha Phi chapters are under investigation. The school says an incident happened at the frat house on Halloween. They added that the sorority knew about it but did not report it. They released this statement to 10News today: 379