If it's life or limb threatening, we recommend the emergency room, and we still work closely with Methodist Hospitals. But if a cook cuts himself or an employees hurts their back or knee, we can treat them. We're a one stop shop, we currently have three clinics and are hoping to expand.

This is, we hope, the final lap in a long race to fix a broken system in California, and base it on how you drive, and not where you live.

There are a lot of people who will not make a claim even if the loss isn't their fault and is well over the deductible. What's disturbing is that you're paying a premium that is calculated to cover the risk that you actually use the policy.

Insurers are penalizing many African Americans and Latinos with good driving records by charging them higher rates just because of their zip code. These disparities are due to discriminatory insurance regulations that allow insurers to base their rates primarily on where drivers live, instead of how well they drive.

People should be curious about what the changes will mean, and look around for the best deal.

We are worried because there is an abundance of fuel and wind and heat.

We are not going to stop this fire until we get a break in the weather.

How well you drive should matter should matter most. Annual mileage, years of driving experience, other factors should be important. But they can't be more important than how ell you drive.