Archive | November, 2010

Be Careful on the Roads at Thanksgiving

On the way to Grandma’s house for Thanksgiving!

We all know that traffic is especially bad around the holidays, but Thanksgiving is one of the worst. Each year, hundreds of people die in car accidents; last year, over 400 of them were over the Thanksgiving weekend. And, you guessed it, many of those were alcohol related.

Please try not to turn a wonderful family holiday into a tragedy. Plan on staying over at the home you are visiting on the day, or designate a non-drinker to drive early on in the day. We recommend children that are over 16 but not yet 21 for this! It’s sneaky, but you should be fairly sure they haven’t had too many glasses of wine, although they probably did overdo it on the pumpkin pie.

Also, if you’re not too far from home, arrange in advance for a taxi to take you back. Even if the bill is close to $100, isn’t it worth it to know that your family, and others on the road, are safe? Also, a DUI or an accident with injuries—or, heaven forbid, a fatality—is much more costly than the fare, as is the emotional cost involved.

Another thing to think about is road safety in general. Are you from California in a rental car visiting relatives in Illinois? Did you take the family up to the local mountains for a Thanksgiving ski trip? There’s probably snow on the ground, and many of us in California are unused to driving in those conditions. (Let’s face it, many of us can’t even drive in a rainstorm!) Alcohol doesn’t have to be involved to have an accident in bad-weather conditions on unfamiliar roads. Drivers also rely too heavily on their GPS or satellite navigation systems nowadays, yet they are not infallible. Getting lost in a storm could not only make you miss the big turkey dinner, it could be dangerous!

And don’t forget to have your car serviced before a long car journey with your family. Have a trusted mechanic look over your car and replace leaking hoses, worn tires and windshield wipers; fill up all fluids and change the oil. Having a breakdown could be another big barrier between you and your Thanksgiving meal!

As always, BMR Insurance looks out for you and your family, and we wish you a safe and happy Thanksgiving. Call us to review your auto insurance plan before the long car journey starts: (714) 838-1911.

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Tis the Season…for Burglars

Door-to-door salespeople are not what they used to be!

Thanksgiving is just around the corner, and we’re starting to see lights and decorations appear on homes around town. Guess who else has noticed this? The answer is too easy, and very sad: thieves.

Door-to-door salespeople are rare these days, but they are still out there. And unfortunately, some people are using this to their advantage: the so-called “Knock Knock Bandits”. Be aware that every legitimate salesperson that comes to your door should have a license from the city. And any legitimate salesperson will not hesitate to show you, so ask the magazine salesperson or the person selling candy for their school sports team. If they make a fuss or an excuse, that probably means they’re bogus. Continue Reading →

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The Effects of Big Disaster on Insurance Policies

The oil slick as seen from space by NASA’s Terra satellite on May 24, 2010.

Earthquakes, floods, falling tree branches, hurricanes…Yes, we are all familiar with the perils of Mother Nature, and it is critical that home and business owners frequently review their insurance policies to appropriately tailor them to whatever circumstance they see best fitting to their homes and businesses.  But as secure as insurance policies may seem, though, life unfortunately is always uncertain, and unforeseeable crises, in conjunction with inadequate insurance coverage, can significantly steer the course of one’s life.

For example, the disastrous BP oil spill four months ago has affected thousands of people.  The tourist industry, commercial fishing industry and of course the local people have all faced the terrible repercussions of the disaster.  Prior to the spill, the staggering national economy had forced many people to curtail their insurance policy coverage in order to better accommodate their budgets.  Most people cut corners on seemingly frivolous additions to their policies that they didn’t think were necessary, such as environmental coverage.  In everyday circumstances, most people would overlook adding environmental coverage to their policies, but unfortunately crises do happen.  In the event of an oil spill, having environmental coverage would have given many people liability protection from the impact of the spill.  For example, under an environmental coverage policy, fishing businesses could have filed claims for business interruption and other liabilities that inhibited their normal operation.

Of course, no one can foresee such a catastrophe, and in the current condition of the economy we don’t blame many people for trying to conserve every dollar and bypassing certain insurance coverages they might deem unnecessary.  But as we have witnessed, curveballs and oils spills do happen, leaving many uninsured or inadequately insured people at a loss during these catastrophes.

We at BMR Insurance truly believe that it is always better to be safe than sorry.  Cutting corners on insurance coverage could save you money in the short run, but who knows when a disaster could threaten your home or business?

Looking to review your current policy or just have questions about insurance coverage? You can call BMR Insurance today at (714) 838-1911 for a free insurance consultation.

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