Tag Archives | BMR Insurance

How Safe are They? Fourth of July Fireworks Safety Information

Circle of Sparks

Didn’t we all love making drawings with sparklers when we were kids?

What American doesn’t love the Fourth of July? It’s a perfect excuse to have a party, fire up the barbecue, catch up with friends and light some fireworks.

Now, we know that there aren’t many areas in Orange County that are allowed to have fireworks, but there are a few: Buena Park, Costa Mesa, Fullerton, Garden Grove, Huntington Beach, Santa Ana, Stanton, Villa Park and Westminster. These cities allow state-approved fireworks only, but that doesn’t mean that “state-approved” means “safe”. Continue Reading →

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Don’t Make This Weekend Your Memorial Day

Accidents can happen, and statistically they happen more on Memorial Day weekend than any other time.

Of all the national holidays perhaps Memorial Day is most aptly named. Not for the reasons of recognizing all those brave souls that gave life and limb for the freedom we so enjoy, but for the fact that the holiday can fatefully be your personal memorial. It seems that this holiday draws more people to traveling on our roads and freeways. As it is often said, “accidents happen”, and that adage is particularly true for this holiday. Continue Reading →

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If You Play, You Will Pay: Driving Under the Influence in California

Been drinking? Please take a taxi.

A recent study conducted statewide attempted to determine the extent to which drivers were under the influence of alcohol and/or drugs. This was a voluntary test conducted to get real numbers about drivers driving under influence of a foreign substance such as alcohol or illegal drugs, including marijuana, prescription drugs and over-the-counter medications.

This was a weekend test at locations in nine California cities. The results? Fourteen percent of the 1,300 drivers tested positive for driving under the influence of illegal and/or prescription drugs. Most prevalent was marijuana with 7.4 percent. Another 7 percent were driving with alcohol in their system. Continue Reading →

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The Sad Realities of Texting While Driving

© Photo courtesy of StuNewsLaguna

Does this photograph illustrate that driving an eco-friendly electric vehicle is safe? Hardly, and in this case it’s not the point! It does show what might happen if you are driving and distracted. In this local collision on Laguna Canyon Road recently, two lives were lost and the one life that was spared will never be the same. While final investigation results have not been released regarding the cause of the crash, it really doesn’t matter to anyone except for the driver of this car. Continue Reading →

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Have You Been Asked to Be An Estate’s Trustee?

If you are a responsible individual, have held important positions, or shown leadership qualities in your private or professional life, you may be asked to serve as a Trustee of an estate. It is especially likely if you have an accounting our legal background. Maybe you just happen to be the responsible sibling in a family. The estate could be a simple trust for an elderly family member, or a complex estate with complex financial holdings and considerable value. It may not even be within your family. Continue Reading →

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Insurance Scam Targets the Elderly…and the Uninformed

Don't get taken in by unscrupulous real estate transactions.

There are countless reasons why the transactions surrounding buying and selling real estate is a lightning rod for various scams and illegal actions. Often insurance is used as a conduit for siphoning money from uninformed homeowners. Quite often elderly individuals get trapped in illegal transactions that end up costing them their entire life’s savings. Continue Reading →

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Buying a Hybrid: Know Your Costs!

The 2013 Lexus RX is available at Tustin Auto Center's Lexus dealer.

There are many economic aspects when looking at the potential savings of an “eco-friendly” hybrid or electric automobile. Most focus upon the fuel savings that can be achieved by driving a car that does not (to some degree or the other) depend entirely upon hydrocarbon fuels. There is little argument when the prices of fuel exceed $4.00/gallon, that using less fuel leaves considerably more money in the pockets of the hybrids. It’s there, and it’s real. Continue Reading →

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Think Your Car is Safe and Secure? Not So Fast…

It's not just you who thinks your new Aston Martin is a beautiful car....

So, you finally bought that gleaming new dream car with chrome wheels and a special electronic security system that will foil any attempts to steal your prized possession! Do not be so certain of your invincibility when it comes to avoiding auto theft. If anything, the emerging electronic-based auto is easier to invade—with a payoff that is much greater than in the past. Continue Reading →

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If You Assume You’re Covered, You’ll Get a Nasty Surprise

Poor Mr. Smith. The money he saved for retirement has literally gone down the toilet due to an assumption about coverage.

Mr. Smith was living out his days in the Laguna Woods community, pretty much free of worries. His health was failing, but still he remained upbeat about his surroundings. There were no family members to look after him, but he was used to taking care of himself and, after all, was living in a community of his peers created just for retirees like him.

Then it happened. He left a pan of water heating on the stove and retired for the evening. Later he awoke to a raging fire. He escaped with the clothes on his back, but that was all. Continue Reading →

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Eight Arrested for Staging Car Crashes and Damage

Real or fake? Criminals stage car accidents to create false insurance claims that raise everyone's premiums.

Nobody likes to hear that car insurance rates are rising, do they? But some people, it seems, don’t understand that their criminal activity is actually a big part of the problem. Although criminals aren’t really worried about us regular working Joes, are they? Continue Reading →

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