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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) — Pacific Gas & Electric's key lenders on Tuesday offered a billion plan to pull the utility out of bankruptcy and give the tarnished company a new name.The proposal filed in U.S. Bankruptcy Court would set aside up to billion of that billion to pay claims on the 2017 and 2018 wildfires caused by PG&E equipment, the Sacramento Bee reported.The plan offered by PG&E's leading bondholders would compete with an alternative that the newspaper says is being drafted by PG&E. Normally the company in bankruptcy has first crack at proposing an exit plan, but the bondholders said in a court filing that they filed their plan because PG&E has "wasted crucial time needlessly."The bondholders also want to rebrand PG&E as Golden State Power Light & Gas Company.Asked about the bondholders' plan, the utility said in a statement that it was considering all options as it navigates the bankruptcy process.The new proposal came four days after Gov. Gavin Newsom, a Democrat, floated the idea of a billion package to deal with the costs of future wildfires, paid for by ratepayers and shareholders of PG&E and the other two big electric utilities in California.Newsom's plan does not offer any cash for PG&E's existing liabilities but would revise state law to give utilities more certainty about recovering costs from ratepayers — enough stability that Newsom believes will allow PG&E to borrow the money it needs to pay existing claims, according to the Bee.The bondholders include some of the biggest investors on Wall Street, including Elliott Management, Pimco and Apollo Global Management. They have been quietly promoting a PG&E restructuring plan for weeks in conversations with legislators, Newsom's aides and others. Tuesday's court filing marks the first time they have taken the proposal public."Substantial new capital must be infused into the company," the bondholders said in their court filing.The governor's office had no immediate comment on the bondholders' proposal.Like Newsom's plan, the proposal is "ratepayer neutral" — meaning, customer rates would not go up to pay the costs of getting PG&E out of bankruptcy.But ratepayers would pay: The plan calls for a .50 monthly charge, a feature of PG&E bills since the 2001 energy crisis, to be extended for several years to help raise dollars for a wildfire insurance fund proposed by Newsom last week. That fund would help pay claims for future fires.___Information from: The Sacramento Bee, http://www.sacbee.com 2574

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

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

Ron Jeremy, an adult film star, is charged with forcibly raping three women and sexually assaulting a fourth in separate incidents between 2014 and 2019.The Los Angeles County District Attorney announced the charges against 67-year-old Ronald Jeremy Hyatt Tuesday, and said three of the incidents happened at the same bar in West Hollywood.The District Attorney accuses Hyatt of sexually assaulting two women, ages 33 and 46, on separate occasions in 2017 at the bar. Then in 2019, the DA states Hyatt raped a 30-year-old woman at the same, unnamed bar.Hyatt is also accused of forcibly raping a 25-year-old woman in May 2014 at a home in West Hollywood.If Hyatt is convicted of these charges, he could face a maximum of 90 years to life in prison.In 2001, a documentary about his career and featuring Hyatt was released, “Porn Star: The Legend of Ron Jeremy.” He reportedly has more than 2,000 film credits as an adult film actor. 940