here's i-team reporter barry simms. >> this has been a devastating horrible thing for the family. >> it was in january of 2008 when 28-year-old anto martinez died in a wreck. he and two passengers were on their way to a construction job in delaware. in april, 29-year-old former anne arundel county police officer dane hall pleaded guilty to negligent homicide and failure to stop at the scene of an accident involving death. prosecutors wanted a seven-year sentence. they ask, what is the value of a life? >> i think there are responsibilities that come along with a police officer, and when there is someone killed in the k, it is worth more than 18 months. >> the question is not, what is the value of the life of a soul that's been killed. as much as it is, how do you punish somebody that has killed someone whose life is invaluable? >> he paul ri signed from his job in april, he was off duty, and had just left a party at an officer's home. hall's blood alcohol level was slightly higher than the legal limit. in court, hall aapologized to the victim's family telling them and the judge "i don

here's i-team reporter barry simms. >> this has been a devastating, horrible thing for the family. >> 28-year-old antonio martinez died in a wreck in harford county. he and two passengers were on their way to a construction job in delaware. former police officer dane hall plead guilty to negligent homicide and failure to stop at the scene of an accident resulting in death. prosecutors wanted a seven-year sentence. they asked, what is the value of a life? >> i think the responsibilities that comes along with being a police officer and, you know, leaving the scene of the accident and someone being killed in the accident was worth more than 18 months. >> the question is not, what is the value of the life of a poor soul that's been killed, as much as it is, how do you punish somebody that has killed someone whose life is invaluable? >> hall resigned from his police job in april, was off duty, and had just left a party at an officer's home. more than five hours after the crash, hall's blood alcohol level was slightly higher than the legal limit. in court, hall apologized to the victim's fa

barry simms explains. >> it is a serious problem. maryland has seen a significant increase in the number of complaints against unlicensed contractors. they can cost you thousands of dollars and put your safety at risk. >> i am embarrassed, humiliated, because i was so stupid. i am hers. >> she spent all thousand dollars for a two-bedroom addition to her mother's home. the back part is open and exposed to the only protection is a piece of plastic left by the contractor. >> i gave him $6,030 for nothing. she >> claims this man did a poor -- >> she claims this man did a poor job on her home. when he calmed down, he said he did not do anything wrong. tonight at 11:00, both women's stories, and why getting a license number it just is not enough. for the i-team, i am a very simms. >> how officials think that this shark caught in the street. and cash for clunkers -- is the program right for you? >> hopefully it will inspire people and see if it makes a difference. >> how church is using its conservation to pass on the blessings. >> are we g

barry simms has the story. >> this is as close to hawaii as paula could get. her backyard.ecil county woman paid $ 4,500 online for airline tickets and more than $200 for travel insurance. then her 88-year-old father, who wasn't going on the trip, became seriously ill. >> three days before we were supposed to leave on the trip, i was told that he'd gone into renal failure and had two to three weeks to live. so we would never have gone on the trip. >> she canceled, thinking the tickets were covered by the travel insurance. she filed a claim with access america. but the company rejected it. they claim she didn't have the right kind of coverage. >> access america told me that, because my dad had renal disease before the tickets were purchased, that this was a preexisting condition and they weren't going to cover it. >> this is one of the number one reasons for travel policies being canceled or not honored on behalf of consumers. >> the better business bureau's angie bar net says many consumers are confused. >> i am so confused. i don't understand what i did wrong. >> she belie

barry simms explains. >> a maryland woman is battling an insurance company, believing that the company should have reimbursed her when she was forced to cancel a family trip to hawaii. when she became seriously ill, she thought she would get the cost of the airline ticket back because she paid hundreds extra for travel insurance. >> it was just a relief, one less thing we had to worry about, $40,000 on these hawaii tickets, because we will go another time. >> the claim was rejected. >> it is the number-one reason for declining policy. >> i felt angry, then released to bid. >> tonight at 11, why claims are being denied, and when you need to know about when buying travel insurance. >> coming up, the senate takes a major vote on gun control. find out what congress decided about the future of concealed weapons as we cover the nation. and the doctor from the falls road animal hospital is here to answer your pet questions. e-mail the petquestions@wbaltv.com. fios guy! where ya headed? uh, just installed fios in the whole building. now everyone has the fastest upload speeds, and we're giving

barry simms is live in harford county with details. >> dayne hall will serve 18 months behind bars. prosecutors wanted seven years and so did the family of the man killed in the crash. >> this has been a devastating, horrible thing for the family. >> it was january of this year when 28-year-old antonio martinez died in a wreck on i-95 in harford county. he and two passengers were on their way to a construction job in delaware. in april, 29-year-old former anne arundel county police officer dayne hall pleaded guilty to next homicide and failure to stop and remain at the scene of an accident resulting in death. prosecutors wanted a seven-year sentence. they asked what is the value of a life? >> i just think the responsibilities that come along with being a police officer and leaving the scene of the accident and someone being killed in the accident was worth more than 18 months. >> the question is not what is the value of the life of a poor soul that's been killed as much as it is how do you punish somebody that has killed someone whose life is invaluable? >> hall resigned from his po

barry simms has that story. >> the purpose is to eliminate mortgage and appraisal from but one homeownerays instead of helping, and it hindered the refinancing. >> it is in a great neighborhood, there are great schools, and it provided me the ability to have everything here for my daughter. >> interest rates were down, opening the door for refinancing. homes [inaudible] the appraisal showed the house lost about 30% of the value. he blamed lending requirement. >> there is definitely a flaw in the system. it is not allowing homeowners to do what they need to do in an economic downturn. the code of conduct and about after a yearlong investigation of mortgage fraud by andrew cuomo, which led to an agreement by fannie mae and freddie mac two only buy mortgages from banks that followed the code. in part, the code prohibits mortgage brokers from selecting appraisers and prohibits lenders from using appraisal management companies that they own or control. a nationwide petition calls for revisions. >> real-estate agents are being hurt. smaller appraisers are being hurt. mortgage brokers are being

barry simms investigates. >> this is as close to hawaii as paula speck could get. her back yard. paid online for airline tickets and more than $2 thun hundred for travel insurance. then her 88-year-old father, who wasn't going on the trip, became seriously ill. >> three days before we were supposed to leave on the trip, i was told he had gone into renal failure and had two to three weeks to live. we would never have gone on the trip. >> speck canceled, thinking the airline tickets were covered by the travel insurance, so she filed the claim with access america, but the company rejected it. they claim speck did not have the right kind of coverage. >> access america told me because my dad had renal disease before the tickets were purchased, this is -- was a preexisting condition and they weren't going to pay for it. >> the better business bureau's angie barnett says many consumers are confused about the preexisting [applause]. -- clause. >> i am so confused. >> her policy included insurance if a family member became ill, injured, or was in a life-threatening situation. her situatio