Archive | December, 2010

Are We Driving Ourselves to Death?

Don’t become a statistic! Drive safely and defensively!

Even though the number of people killed in crashes on U.S. roads dropped in 2009 to 33,808, we still rule the world’s developed countries in the number of traffic fatalities. A recent study by the National Research Council found that traffic fatalities have dropped by 50% since 1995 in other developed countries, but only 19% in the U.S. Is it us? It seems so, as those other countries that have been successful in reducing fatalities have done so by comprehensive safety programs that combine changes to their traffic safety as well as improvements to vehicles and road design.

Here’s some shocking statistics:

  • Car crashes are the leading cause of death in the U.S. for people aged 1 through 34
  • Half of all Americans say that they’ve been in a serious crash or have had a friend or relative injured or killed in a serious crash
  • Approximately 100 people die EACH DAY on U.S. roads!
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Are You Insured if Your Office Building Burns Down?

Photo of Tustin office fire courtesy of Bruce Chambers, OC Register

If you rent office space, are you under the impression that your landlord’s property insurance will cover all of your inventory if the place burns down? What if one of Dorothy’s twisters comes through and destroys the building?

We know we seem a little obsessed by fire this month, but since we had two clients that rented space in the Tustin office building fire late last month, it is on our minds. And it should be on yours, especially if you are a retail shop, a doctor or dentist, a dry cleaner or restaurant. Continue Reading →

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Holiday Activities and Winter Cold Can Cause Fires

Don’t let a house fire ruin the holidays for you and your family.

Even though California only gets snow in certain areas, that doesn’t mean that homeowners aren’t stoking the fires and turning on their heaters. With the increased use of heating sources comes a higher risk of fires, according to the Insurance Information Institute. And that does make sense, especially with homes that have gas heaters, like the ones in Laguna Beach, California.

A few weeks ago, two fires started in Laguna Beach because of furniture or clothing that had caught on fire due to a heater. One homeowner had left part of a rug and a sofa over the floor vent of a heater, and the other tenant had left a stack of clothes next to a wall heater. Although this seems like negligent activity that could have been easily avoided, it’s not always easy to remember these things when we Californians only turn on the heaters two or three months out of the year! Continue Reading →

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How to Keep Costs Down on Teenage Auto Insurance

It can be hard to turn the keys over to your teenager

When teenagers get their own car, it can be both a blessing and a curse. A blessing because you don’t have to drive them to the mall, school or sports practice anymore, but a curse because of all the costs involved…not to mention the constant worry of them getting in an accident!

Sadly, 16-year olds are in the age group that has the highest accident rates over any other group, and that’s because the leading cause of death for U.S. teenagers is car accidents. It’s tragic to realize that car accidents account for more than one in three deaths of 16-year olds. And, not surprisingly, this makes them the most expensive to insure.

Luckily there are ways to not only reduce costs on insurance for these teens, but that also keep them safer on the road. Continue Reading →

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