Archive | September, 2013

Staged Car Crashes Target Innocent Southern California Drivers

Old paper

Being in an auto accident isn’t ever a good thing. Not only does it ruin a perfectly good day (or even a not-so-great one), there’s the insurance to deal with, getting your car repaired, and the real big one—possible injury.

Yet there are unsavory characters out there who try to get in car accidents. To them, it’s a way to make a living. To us, it’s more than just a nuisance. Along with the reasons above, it helps raise everyone’s insurance premiums, and that’s just not fair to the good drivers out on the roads. Especially in a place that relies heavily on cars, like Los Angeles, Orange County, Riverside and San Diego. Continue Reading →

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The Increasing Cost of Natural Disasters


After all the hullabaloo about a huge hurricane season this year, it seems to have fizzled out and not actually materialized. Weather forecasters are confounded by this turn of events—which the rest of us are confounded by, since they never seem to be right most of the time anyway.

And overall, the missed hurricane season seems like a bit of a good thing. Of course, it’s a real boon for the people, structures and environments who would have been affected by them, but it’s also good news for the U.S. government, who has already shelled out almost $62 billion on disaster relief in the two years prior to September 30, 2012. And that doesn’t even include Hurricane Sandy! Continue Reading →

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Texting While Driving: It’s Not Just the Driver’s Fault

We know it's frustrating, but please pull over to text or make a call if you don't have a hands-free system.

We know it’s frustrating, but please pull over to text or make a call if you don’t have a hands-free system.

It’s New Jersey, not California, but considering the amount of drivers on California roads (especially teens), it’s possible this ruling will hit this coast soon. What ruling? The one that the New Jersey appeals court ruled on recently, finding that a person who knowingly sends a text to a driver can share liability if that driver causes an accident.

The appeals court did clarify the ruling by saying that the person who texts the motorist is not liable for the driver’s negligent actions, but that person texting the driver has a duty to “refrain if the person knows the recipient is driving and likely to read the message,” according to a Claims Journal article published on September 4, 2013. Continue Reading →

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Small Business Owners Want Insurance Agents Who Listen


J.D. Power & Associates just released the findings of their 2013 study, and it’s something that we at BMR Insurance have known for some time. It’s actually pretty obvious: Customer satisfaction of insurance agents is higher with small business owners when the agent understands their business and provides guidance in regards to risk.

Isn’t that our job? We certainly think so, and BMR Insurance’s agents have been doing just that for over 44 years. We take great pleasure in helping small business owners get started, and our part is to explain what coverage they need to mitigate any risk. How can we do that without understanding their business? A construction company will have different insurance needs than a marketing firm, for instance, and we do not recommend a blanket insurance policy for any business.

We’re happy to see that the J.D. Power report shows that the main reason that small business customers select an insurer is because of policy offerings, not price. This is why BMR Insurance Agency is an independent broker. We can offer small businesses (and residents, homeowners and drivers of all ages) a variety of insurance options from different companies, not just the one that has their name on the door.

We also would like to point out that the study specifically points out that face-to-face contact with customers is a big selling point with small businesses, especially those with 11-50 employees. We always encourage our clients to stop by our offices to discuss policy changes, upgrades or options.

Jeremy Bowler, senior director of the insurance practice at J.D. Power, says: “Those small business customers who have regular face-to-face contact with their insurance agents are more likely to understand their coverage, its value and the reason for a price adjustment should one occur. These customers are more likely to be satisfied and loyal to the insurance brand than those who don’t have regular in-person interactions.” Thank you, Mr. Bowler. We feel the same way!

We’re a small business that understands small businesses—their needs, their ups and downs and their goals. Is your current insurance company a faceless entity? Give BMR Insurance a call. It costs nothing to have us review your policy, so you have nothing to lose, and everything to gain. What’s worse than finding out your business isn’t covered for something? Knowing that your insurance company didn’t recommend the right insurance. Make sure that doesn’t happen to you—call BMR Insurance Agency now. 714-838-1911

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