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WASHINGTON, D.C. – In small to large protests, Americans from coast to coast are exercising their right to free expression. In some cases, though, protests that started out peaceful have turned violent.“Injured three people, cuts and bruises,” said Mat Davis, a protester in Indianapolis, who saw a vehicle strike several protesters. “It was bad.”In Michigan, Bailee Majeske experienced a protest get out of hand.“There was a lot of rioting, just cars parked in the street were getting smashed,” she said, “and then there was a brick thrown at my head and my friend was stabbed.”So, what happens if you are injured during civil unrest? Getting medical attention is a first priority but knowing exactly what your health insurance covers is key.“You'd need to know what is in the policy - what is covered and especially what is not covered,” said Ray Farmer, who heads up the National Association of Insurance Commissioners (NAIC). “If a protest happens to turn violent and include some rioting, I think that would be extremely difficult for an insurance company to prove that those injuries occurred due to an excluded act, even if the policy had such a provision.”Some policies, though, do have exclusions, like if you take part in “illegal acts” or participate in “civil unrest.” How that’s specifically defined would be up to an insurer, but it could range from vandalism and property damage to violating a community’s established curfew, or failing to leave an area if police order you to do so.However, Farmer says there are some things a consumer should be aware of, in the event they are denied coverage for the treatment of injuries sustained during civil unrest. One – ask the insurance company to point out the specific language being used to deny a claim, and two – reach out to your state’s department of insurance for help navigating the process.“That's our job is to regulate the insurance industry, but more importantly to protect consumers,” he said.While Farmer said there are no reports of protesters’ claims being denied so far, before it even gets to that point, it’s important understand the details in your health insurance coverage.“You certainly don't want any surprises,” he said.As for those who have been caught by surprise, there’s some advice from them, as well.“If you notice there are riots breaking out, it may be time to go home and support from a distance,” Majeske said.For more information on your state’s Department of Insurance, click here. 2485

WATCH FULL INVESTIGATIVE REPORT, TONIGHT ON 10NEWS at 6PMSAN DIEGO (KGTV) -- A North County couple said they paid a company thousands of dollars to put in a new kitchen, but that company never finished the job.Months after signing the contract, they learned the guy in charge was the subject of multiple Team 10 investigations and had his license revoked by the Contractors State License Board.“Maybe I was just naive, but it was an eye-opener,” said homeowner Mark.Mark asked 10News not to use his last name.He said while he and his wife were out of town a leak under the sink flooded their kitchen.The couple hired a mitigation company to take care of the damage but needed a restoration company to build it back up.They came across Mark Morningstar, who came highly recommended by a user on the website Nextdoor."One of the recommendations we got was through Maria, and Maria posed as a satisfied client,” Mark said. “She said, 'Hey, I know this person Marc Morningstar, he can do cabinet work, and he can do granite work. He can do basically everything.'"Maria Meeuwisse was the listed author of Mark's recommendation, she is also the license holder for Quality Painting SoCal.According to customers who spoke with Team 10, this is the same company where Morningstar works.State records show the license was issued in August 2018 for a painting and decorating contractor.Team 10 found postings on NextDoor from someone with the same name as Meeuwisse - talking up Morningstar and the company.Thinking the reviews were real, Mark and Diana said they hired Quality Painting SoCal to fix their kitchen."He (Morningstar) said ya I can do all this quote-unquote,” Mark said. “I can act as your quarterback and take care of everything for you.”Mark said Morningstar promised it would take about two weeks for the new kitchen and cost around ,000.So that's what Mark and Diana authorized on their credit card.Mark said Morningstar brought in contractors to do the work, but things quickly went south.They said the granite was installed incorrectly, cabinets weren't lining up, and eventually, crews stopped showing up, leaving Morningstar to do it himself."There would be a week, two weeks where he wouldn't show up, and the weeks he did show up, he would show up for a day, and during that day he would show up for a few hours, and it was clear he didn't know what he was doing,” Mark said.Mark said months after Morningstar started the job, the kitchen wasn't done and Morningstar stopped showing up."We googled Marc (Morningstar), and the investigative news came up immediately -- hit number one,” he said. “We watched the video and were like, "Oh my god, that's that guy.'”A 2017 Team 10 investigation exposed Morningstar's criminal business practices. Several former customers complained he took their money but never finished installing the fake grass. Team 10 also learned Morningstar had done some of the work after his contractor's license was suspended. According to a spokesman for the California Contractors State License Board (CSLB), when a license is suspended, no contracts can be signed, no money can be paid, and no work can be done.Morningstar was also accused of using another contractor's license number.The CSLB eventually revoked Morningstar’s license.Court records show in September 2018, Morningstar pleaded guilty to diversion of construction funds, grand theft of personal property and improper home improvement contract procedure.Team 10 went to the listed address for Quality Painting SoCal to ask Morningstar about Mark and Diana's complaints.A woman who identified herself as Maria Meeuwisse, the company’s license holder, answered the door and said Morningstar wasn’t there.Team 10 investigator Adam Racusin told Meeuwisse customers are saying Morningstar is doing work without a contractor's license.“Which is not true and we’ve been talking with the CSLB about that,” she said.While asking Meeuwisse questions, a man who looked like Morningstar came in through a back entrance.Team 10 investigator Adam Racusin tried to talk to the man, but Meeuwisse closed the door.On Tuesday, the Contractors State License Board added disclosures to Quality Painting SoCal’s license. A disclosure means the CSLB has an open investigation against the company and has disclosed on its website that it believes there is evidence of a probable violation that would lead to either a suspension of revocation of the company’s contracting license and/or criminal prosecution. CSLB’s investigation is open. There are no criminal charges at this time.The two violations CSLB is investigating are a departure from trade standards or specs and willful or fraudulent act.On Wednesday a spokesperson for the CSLB told Team 10 the company notified state officials it plans to shut down and cancel Quality Painting SoCal's license.Mark and Diana said since they paid Morningstar on their credit card, they were able to dispute the charges with the credit card company.While they were able to get their money back, they said they had to pay someone else to re-do most of the work. 5092

WASHINGTON (AP) — President Donald Trump was outraised by Democrat Joe Biden in September and is being outgunned financially by his rival with just weeks to go until Election Day. Trump’s campaign, along with the Republican National Committee and associated groups, raised 8 million in September, well short of the 3 million raised by Biden and the Democratic National Committee in the same period. Trump campaign communications director Tim Murtaugh tweeted that the Trump effort had 1 million on hand at the end of September, compared with 2 million for Biden. 582

WASHINGTON D.C. (KGTV) -- Special counsel Robert Mueller's team issued more than 2,800 subpoenas and executed nearly 500 search warrants in its probe of Russian interference in the 2016 election and any potential involvement by President Donald Trump's campaign.That's according to Attorney General William Barr's letter to Congress on Sunday summarizing the findings. The special counsel employed 19 lawyers and was assisted by a team of 40 FBI agents, intelligence analysts, forensic accountants and other professional staff. The team interviewed approximately 500 witnesses.Evidence gathered in special counsel Robert Mueller's investigation "is not sufficient to establish" that President Donald Trump committed obstruction of justice.Special counsel: Trump campaign did not conspire with RussiaThat's according to Attorney General William Barr in a letter to Congress summarizing the finding of the Mueller probe.Barr says Mueller did not reach any conclusions in evaluating the president's conduct, leaving it to the Justice Department.Barr says he and Deputy Attorney General Rod Rosenstein reached the conclusion without considering constitutional questions regarding bringing criminal charges against a sitting president. 1238

WASHINGTON, D.C. – Joe Biden painted a very different picture of the COVID-19 pandemic than President Donald Trump during his first briefing as the nation's president-elect on Monday. "We are still facing a very dark winter," Biden said after a briefing with his advisers in Delaware. Biden announced a new COVID-19 advisory board. The group will be co-chaired by Dr. David Kessler, a former Food and Drug Administration commissioner; Dr. Vivek Murthy, a former surgeon general of the United States; and Dr. Marcella Nunez-Smith, a public health professor at Yale University. "Please wear a mask," Biden implored those watching. WHAT WOULD CHANGE UNDER BIDEN When President-elect Biden takes office, more than just "presidential tone" will change. "They are going to allow the evidence to be back in the driver seat," said Dr. Jon Andrus, an adjunct professor of global health at The George Washington University. Some of the potential changes include: a national mask mandate, more guidance to governors and mayors, increased reliance on international health groups, and more testing and contact tracing. "Lessons learned from many countries, such as those in southeast Asia, show aggressive testing and contracting tracing works," Andrus said. Biden's statement to the media came on the same day Pfizer released promising news about a potential vaccine, saying it 90% effective in some of their trials. 1413

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