‘Most MSMEs reluctant to adopt new technologies’Chronister is the second person selected by the president-elect to bow out quickly after being nominated for a position requiring Senate confirmation.Heisman Trophy finalist and two-way Colorado star Travis Hunter was named The Associated Press Big 12 defensive player of the year while also being a first-team selection at wide receiver on Thursday. Buffaloes quarterback Shedeur Sanders is the league's top offensive player. Kenny Dillingham, the 34-year-old in his second season at Arizona State, was the unanimous choice as Big 12 coach of the year after leading his alma mater to a championship and a spot in the 12-team College Football Playoff. The Sun Devils (11-2) went into their league debut as the preseason pick to finish last among the 16 teams. At cornerback, Hunter had 31 tackles, tied for the Big 12 lead with 11 pass breakups and was tied for second with four interceptions. On offense, he leads the Big 12 with 92 receptions and 14 receiving touchdowns, and is second with 1,152 yards receiving. His 21 catches of at least 20 yards are the most nationally. He is also the AP's player of the year. Sanders is the Big 12 passing leader, completing 337 of 454 passes (74.2%) for 3,926 yards and a school-record 35 touchdowns with eight interceptions for the Buffaloes (10-2) Arizona State freshman quarterback Sam Leavitt, who is 11-1 as a starter, is the league’s top newcomer. The Michigan State transfer has 2,663 yards passing with 24 touchdowns and only five picks in 304 attempts. LAS VEGAS — Former Florida and Mississippi State coach Dan Mullen has agreed to lead UNLV's 24th-ranked football program, two people with knowledge of the hire said Wednesday. The people spoke to The Associated Press on condition of anonymity because no announcement has been made. The 52-year-old Mullen replaces Barry Odom, who left for Purdue on Sunday after going 19-8 and helping the Rebels receive back-to-back bowl invitations for the first time in program history. UNLV will play California in the LA Bowl on Wednesday. UNLV athletic director Erick Harper wasted little time in finding Odom's replacement. Mullen, most recently an ESPN college football analyst, went 103-61 at Florida and Mississippi State. Rich Rodriguez is returning to West Virginia for a second stint as head coach at his alma mater. Athletic director Wren Baker announced the hiring on Thursday, 17 years after Rodriguez made a hasty exit for what became a disastrous three-year experiment at Michigan. “We are thrilled to welcome Coach Rich Rodriguez and his family back home,” Baker said in a statement. “Coach Rodriguez understands what it takes to win at West Virginia, and I believe he will pour his heart, soul and every ounce of his energy into our program. I am convinced Coach Rodriguez wants what is best for West Virginia, WVU and West Virginia football, and I am excited about the future of our program.” Rodriguez, who is the current coach at Jacksonville State, an architect of the spread offense and a polarizing figure in his home state, replaces Neal Brown, who was fired on Dec. 1 after going 37-35 in six seasons, including 6-6 this year. TUCSON, Ariz. — Arizona star receiver Tetairoa McMillan declared for the NFL draft following three stellar seasons. McMillan announced his decision Thursday on Instagram. “Now, it’s time to take the next step. ... I’m officially declaring for the 2025 NFL Draft,” McMillan posted. “This is only the beginning.” McMillian is Arizona's all-time leader in receiving yards, finishing with 3,423 in three seasons, and is projected to be a first-round NFL draft pick. BRIEFLY FCS: The NCAA is taking its Football Championship Subdivision title game back to Tennessee. The FCS championship games at the end of the 2025 and 2026 seasons will be played in Nashville on the Vanderbilt campus. This season’s game will be played Jan. 6 at Toyota Stadium in Frisco, Texas, which will host the game for a record 15th season in a row and was set for at least two more. OC: UCLA announced Tino Sunseri’s hiring as offensive coordinator and quarterbacks coach. Sunseri replaces Eric Bieniemy, who was fired on Dec. 5 after fielding one of the nation’s worst offenses this season. Sunseri spent one season as Indiana’s co-offensive coordinator and quarterbacks coach after following Hoosiers coach Curt Cignetti from James Madison. Get local news delivered to your inbox!
Raoul Hira explains how to become a cyber expert and way towards resilient digital world
Lions waive edge rusher James Houston: ‘It just never quite worked out’Van Nistelrooy has replaced Steve Cooper at the King Power Stadium and saw Jamie Vardy open the scoring after just 98 seconds. Bilal El Khannouss and Patson Daka added goals after the break to ensure the Dutchman started with three points in style. Starting with a win! 🤩 Delivered by @bcgame #LEIWHU pic.twitter.com/X90nFSbMLm — Leicester City (@LCFC) December 3, 2024 His task is to keep the Foxes in the Premier League this season and after ending a five-game winless run they moved up to 15th, four points clear of the relegation zone. West Ham’s hierarchy will have seen what impact a managerial change can have as the jury remains out on Lopetegui, with away fans making their feelings clear by chanting “You’re getting sacked in the morning”. Niclas Fullkrug scored a consolation goal at the death but it counted for nothing and forthcoming games against Wolves, Bournemouth, Brighton and Southampton could determine the Spaniard’s future. When Van Nistelrooy went to bed last night, even he would not have dreamt of his side starting as well as they did as they went ahead with less than two minutes on the clock. One of the Dutchman’s first conversations following his appointment was to take Vardy to task for breaking his record for scoring in the most consecutive Premier League games nine years ago. And the veteran striker rolled back to the years as, living on the shoulder of the West Ham defence, he raced clear from El Khannouss’ through-ball and slotted into the corner. The linesman’s flag immediately went up but a lengthy VAR review ruled Vardy had timed his run perfectly and the goal stood. Vardy could have added a second from a similar move but this time Lukasz Fabianski denied him. The Dutchman quickly learned about the frailties of his side as West Ham created a raft of chances in search of an equaliser. Jarrod Bowen forced Mads Hermansen into a stretching save when he cut in from the right before Ings’ header crashed into the post and Max Kilman slipped at the crucial point from the rebound. Bowen, a constant threat, sent a ball across face of goal which evaded everyone before the England international was denied by a reflex save from the busy Hermansen. The Danish goalkeeper needed to be alert to tip over Mohammed Kudus’ deflected effort early in the second half before he was saved by the referee’s whistle after after his attempted punch went into his own goal, Tomas Soucek the man penalised. Leicester remained a threat on the counter-attack and that is how they doubled their lead just after the hour. Kasey McAteer was set clear down the left and his ball inside was perfect for El Khannouss to find the bottom corner from 15 yards. It was almost three as Fabianski produced an acrobatic save from Wilfred Ndidi’s header before Leicester needed a heroic piece of defending to keep their 2-0 lead intact. Crysencio Summerville bundled the ball goalwards and it was heading over the line until Conor Coady adjusted his feet and poked it clear. The Foxes, who also had a goal from substitute Bobby De Cordova-Reid chalked off by VAR, wrapped things up in the 90th minute when Daka broke clear and emphatically converted into the roof of the net. West Ham did get on the scoresheet when Fullkrug headed a corner home, but the game was already done.
Champions League Glance
Nuggets React to ‘All The Haters’ of The KnicksDow Tumbles 200 Points; Liquidity Services Shares Spike HigherLISBON, Portugal (AP) — Arsenal defender Gabriel kept Viktor Gyokeres quiet — then had the audacity to steal the in-demand Sporting Lisbon striker's trademark goal celebration. After heading in Arsenal's third first-half goal in the Champions League on Tuesday, Gabriel linked the fingers of his hands and placed them over his eyes, before laughing with his teammates. It was most likely a dig at Gyokeres, the Sweden striker who has quickly become one of European soccer's hottest properties . That is how Gyokeres celebrates his goals — and he has scored plenty of those this season. Gyokeres has scored 24 goals for Sporting in all competitions and was coming off netting four for Sweden in a Nations League match against Azerbaijan. Earlier in the first half, Gabriel had enjoyed tackling and dispossessing Gyokeres near the Arsenal area — waving both his arms in a gesture to the crowd. Gabriel's goal made it 3-0 to Arsenal at halftime and the English team went on to win 5-1, with Gyokeres failing to score. He did hit the post with a shot late in the game, however — after Gabriel had gone off with an injury. ___ AP soccer: https://apnews.com/hub/soccer The Associated PressAffiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate auto insurance products to write unbiased product reviews. Lemonade car insurance has an easy-to-use app and a smooth shopping and claims experience. It also offers premiums as low as $30 per month. However, the company uses telematics to track your driving and determine your rates. If you're hesitant about sharing data, it may make sense to look elsewhere. Business Insider compared Lemonade car insurance to the best car insurance companies and found it to lag behind its competitors. It's only available in seven states and few discount opportunities. Lemonade Auto Insurance Review Lemonade is a tech-forward insurance provider that now offers car insurance coverage. In 2022, Lemonade acquired the pay-per-mile car insurance provider Metromile as part of this process. The company's main value proposition is that you can sign up for insurance in minutes and get paid quickly when you file a claim. Plus, Lemonade is a certified B corp, which is a public benefit company that uses your funds to take a flat fee, pay customers' claims fast, and give back (through its Giveback program that donates to nonprofits). Lemonade car insurance uses telematics, also called usage-based insurance, to track drivers' behavior, and it requires you to download an app and have location settings on. Rates can start as low as $30 per month, according to the company website. Still, it's important to note that your driving record, location, and other factors will ultimately set your rate. Currently, Lemonade car insurance is only available in seven states, including Arizona, Illinois, Ohio, Oregon, Tennessee, Texas, and Washington, though more states are expected to be added soon. Lemonade is newer to the insurance landscape, so it doesn't have some of the data available as others. For instance, it doesn't have a financial stability rating from AM Best and hasn't ranked on J.D. Power's car insurance customer satisfaction survey. According to the National Association of Insurance Commissioners (NAIC), Lemonade has a high complaint index of 3.91. This indicates that the number of complaints is more than three times the number expected in the U.S. car insurance market. None None Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low rates Check mark icon A check mark. It indicates a confirmation of your intended interaction. Temporary transportation coverage applies to ridesharing and public transportation, not just rental cars Check mark icon A check mark. It indicates a confirmation of your intended interaction. Ideal option for low-mileage drivers, since they'll get cheaper rates Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discount for having a hybrid or electric car Check mark icon A check mark. It indicates a confirmation of your intended interaction. Certified B corp with a Giveback program con icon Two crossed lines that form an 'X'. You're required to download the app and have location settings on con icon Two crossed lines that form an 'X'. Only available in five states currently con icon Two crossed lines that form an 'X'. Doesn't offer gap insurance or rideshare insurance Discounts for electric vehicles, low mileage, and bundling policies Offers emergency crash assistance, and roadside assistance Participates in One Tree Planted program and Giveback Program Lemonade Auto Insurance Pros and Cons Low, affordable rates Fast claims payouts Easy-to-use mobile app Charitable giving model Not available nationwide (only available in seven states) Does not have as many traditional customer service options as some of its larger insurance competitors Lemonade Auto Insurance Plans Available Lemonade car insurance offers many of the same standard coverage options as other car insurance companies, including the following: Liability coverage. Your state will likely have minimum requirements for liability coverage . This coverage typically includes property damage and bodily injury liability, and each state has set amounts of coverage needed. This option covers you if you're found at fault, and it pays for costs for the other party involved. Liability coverage doesn't include any damages to your car or any injuries you sustain. Collision coverage. If you have an accident involving another driver or even hit an object like a fence or pole, collision coverage pays for damage to repair the vehicle. Comprehensive coverage. Comprehensive coverage protects you from anything beyond car damage that isn't due to a collision, like damage from weather events, an animal, or even theft or vandalism. So you can get the vehicle repaired if it's damaged even if you didn't get into an accident. Medical payments coverage (MedPay). If you want to protect yourself in the event of an injury, medical payments coverage can help. This can help cover certain medical expenses incurred due to an accident. Personal injury protection (PIP). Through this coverage type, you can also get some lost wages covered or support with childcare while recovering from an injury due to an accident. Getting a mix of coverage types such as collision, comprehensive, and liability coverage is often called "full coverage." Consider your financial situation, risk, and what protections you're looking for when shopping for car insurance. Most car insurance companies offer the same suite of products, but they typically vary when it comes to additional coverage options. These can also be called riders. Lemonade offers the following additional coverage options. Uninsured motorist coverage . Through this option, you may be able to protect yourself in the event you're in an accident with an uninsured driver. Though minimum requirements exist, not everyone on the road plays it safe. In that case, this coverage type may help cover costs related to any damage to your car or if you deal with any injuries if the other party is uninsured. Underinsured motorist coverage. A driver may have some liability coverage that's still insufficient for the situation at hand. This type of coverage helps cover repairs or costs of dealing with injuries in an accident with an underinsured driver. Temporary transportation coverage. Lemonade stands out with this option as it's not a straight rental reimbursement if your vehicle is getting repaired. Instead, Lemonade covers various modes of transportation, including ridesharing, public transportation, and rentals. There will be a daily limit, and this offers up to 30 days of coverage. Extended glass coverage. Sometimes rocks, debris, or other objects can hit your windshield and cause cracks or damage. In that case, this coverage type can fix your glass without paying a huge deductible. According to the company website, if you have collision and comprehensive coverage, you can get extended glass coverage and face no deductible or a low deductible. This may not be available in all states where Lemonade offers car insurance. Roadside assistance. If you're dealing with a flat tire, run out of gas, get locked out, or get stuck, roadside assistance can come to the rescue. When you get a Lemonade car insurance policy and opt for comprehensive or collision coverage and use the Lemonade app, this is included as part of your coverage. Each driver under a Lemonade policy is eligible for three service requests in a 6-month period. Beyond that, you'll be financially responsible for roadside assistance. Choosing from these additional coverages can round out your protections and help in various scenarios. Just be aware of potential limits, such as with roadside assistance. At this time, Lemonade doesn't offer gap insurance or rideshare insurance. How Much Does Lemonade Auto Insurance Cost? Car insurance rates don't just vary based on the insurance company, but also on the driver. A range of factors impact what rate you'll be approved for, but there are some benchmarks we can look at when it comes to cost. Lemonade car insurance may start as low as $30 per month, according to the Lemonade website. Though that rate sounds attractive, average rates may be much higher. It's best to click on the "check our prices" button, which uses its AI assistant "Maya" to walk you through a few questions about names, addresses, and emails. To get a lower premium, you can choose a higher deductible. Lemonade offers deductible options starting at $250 up to $2,000. A good driving record and safe driving habits can help, especially since Lemonade uses telematics to determine premiums based on how you drive. If you have an environmentally friendly vehicle like an electric car or hybrid, you may be eligible for a discount. Getting more than one policy through Lemonade, like pet insurance, life insurance, or home/renters insurance, can offer additional savings. Lemonade Auto Insurance Discounts Lemonade car insurance offers discounts for a wide range of factors, including: Driving safely (as measured by the Lemonade mobile app) Driving fewer miles (as measured by the Lemonade mobile app) Driving a hybrid or electric vehicle Bundling your car insurance policy with another insurance policy (including pet insurance , life insurance , and homeowners insurance ) Purchasing your Lemonade car insurance policy before the coverage start date How to Purchase and Manage a Car Insurance Policy from Lemonade As a digital-only insurance provider, Lemonade's entire quoting process is online. For a quote, go to the official Lemonade website and click "Check our prices." From there, you'll provide information about yourself and your vehicle before seeing your estimated price. Once you've purchased a Lemonade car insurance policy, you'll have to download the company's mobile app to your smartphone. Lemonade uses location-based technology to track your driving habits. This tracking system will lower your monthly premium if you're a safe driver or don't drive many miles. You'll also use the Lemonade mobile app to manage your policy and file claims. How to File a Claim with Lemonade Auto Insurance To file a claim with Lemonade car insurance, you need to use its mobile app. According to the company website, filing a claim takes only a few minutes. You'll be asked several questions about the incident so it can get processed. Reviews of the app on iOS don't mention claims experiences related to car insurance, but some other customers with other types of insurance noted delays with claims, whereas others thought the experience was great. Lemonade Auto Insurance Customer Service & Support Experience While Lemonade isn't as well known as some nationwide car insurance providers, it has a decent reputation. The company earns a B- grade from the Better Business Bureau and average review of 2.87 stars, and in reviews, policyholders spoke highly of the claims process. It has a much higher review on Trustpilot, averaging 4.4 stars out of five. Many also say that the customer service is fast and friendly, but there are some complaints about difficulties getting in touch with a live agent as the majority of customer service is handled by AI chatbots. Lemonade's mobile app is highly rated, which is especially important given the app's importance in tracking your driving habits and determining your rates. It earns an average of 4.2 stars on Google Play and 4.9 stars on the Apple App Store, with policyholders praising it as "easy to use." Lemonade Auto Insurance vs. Its Competitors Lemonade is an ideal option for low-mileage or environmentally conscious drivers with a hybrid or electric car who can score a discount. The company is relatively new to the car insurance landscape, but offers mobile-friendly ways of shopping for insurance and filing claims. State Farm Auto Insurance is an industry veteran and offers one thing that Lemonade does not: rideshare insurance. So, rideshare drivers may be better off with State Farm. It's also available in all 50 states. Both Lemonade and State Farm don't offer gap insurance, which can pay off your car loan if it's totaled. However, State Farm does have a similar product called Payoff Protector. Both companies also have roadside assistance, though Lemonade includes it at no cost with certain plans, while you may need to pay a small fee with State Farm. Read our State Farm auto insurance review . Lemonade car insurance uses the power of telematics to help drivers get approved for rates based on how they drive as well as how much they drive. Nationwide Auto Insurance is another insurance provider that offers traditional coverage, but also has its own pay-per-mile program called SmartMiles. Similar to Lemonade, this plan can reward drivers who don't accrue a ton of mileage on their car. Nationwide also has a usage-based app called SmartRide, which can lower your rate. Lemonade and Nationwide offer similar coverage, but Nationwide offers gap insurance, and Lemonade doesn't. Nationwide also offers roadside assistance, but Lemonade may be the better option for that coverage as it's included. However, Nationwide is available in many states relative to Lemonade. Read our Nationwide auto insurance review . Both Lemonade and Progressive Auto Insurance may offer low premiums to those who qualify. Progressive has a Snapshot program, which is its version of usage-based insurance and can help you pay less for good driving habits. Unlike Lemonade, Progressive does offer gap insurance and rideshare insurance. Progressive stands for offering optional coverage, including custom parts and equipment (CPE) coverage, and also has more discounts and ways to find affordable coverage with its Name Your Price Tool. Progressive is also available across the U.S. Read our Progressive auto insurance review . Lemonade Car Insurance FAQ Currently, Lemonade offers car insurance in seven states: Arizona, Illinois, Ohio, Oregon, Tennessee, Texas, and Washington. The company intends to expand availability to other states soon. Yes, Lemonade car insurance offers rental car reimbursement. It also offers reimbursement for other types of transportation, such as Uber or public transportation. Daily limits may apply. Lemonade is a legitimate car insurance company, although it's newer to the scene. Additionally, Lemonade is a publicly traded company and a certified B-corp. Factors that affect your Lemonade auto insurance rates include your driving record, location, and your vehicle's safety features. You can improve your rates by driving safely or fewer miles, which the Lemonade mobile app will track for you. Why You Should Trust Us: How We Reviewed Lemonade Auto Insurance Business Insider evaluates auto insurance companies based on a combination of important factors. For example, customer service ratings, accessibility, price, user-friendliness, and other factors all play a role in the overall performance of an auto insurance company. We also look at third-party ratings, like J.D. Power customer satisfaction surveys and financial stability ratings from AM Best. Our rating is only one aspect of a review. We break down the pros and cons to help consumers make informed decisions. Whatever your needs, we recommend getting three auto insurance quotes to compare companies and find your most competitive option. You can read more about how Business Insider rates auto insurance .
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