Tag Archives | Newport Beach

Tustin Named as Forbes’ Top 25 Towns to Live Well

For over 30 years, BMR's experienced team has helped Tustin businesses succeed.

We knew it already, didn’t we? For sure, BMR Insurance Agency wouldn’t be celebrating over 30 years in business in Tustin if it wasn’t such a wonderful place to live.

But it’s always nice to get confirmation! And that’s exactly what Forbes Magazine did late last year, telling the world what a lovely life we live here in Tustin. Continue Reading →

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Holiday Safety Tips for Pets

At BMR Insurance Agency, we know how much our customers love their families. And we know that many people consider their pets to be part of the family, and some consider them their children. So we felt it was important to discuss some ways to make sure the four-legged family members stayed safe and healthy this holiday season. Continue Reading →

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Is Your Jet Ski or Yacht Insured Correctly?

Jet skis are extremely fun, but insurance is required! Photo by Tony Dowson.

With constant images of the beach, surfing and hot sunny days posted on television programs and the Internet, California is well known for its natural water sources and the plethora of available recreational sports. Water skis, jet skis, yachts, canoes, kayaks—all provide hours of fun and excitement. But did you know that just like a car, you are expected to have insurance coverage for your boats and personal watercraft? Continue Reading →

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True or false: You can still legally text even if you are stopped at red light?

Texting while at a stoplight is NOT legal!

If you answered “true”, you’re not the only one who believes so. Unfortunately, for you and for California resident Carl Nelson, the answer is “false”.

In 2009, a police officer issued Nelson a ticket after witnessing him using his cell phone at a red light. Nelson argued that despite being in a car, he was not in transit, therefore he was technically not driving while using his phone.  Nelson believed that he was not breaking any laws.

Like Nelson, many other people wonder whether the cell phone ban applies to drivers who are not in motion—that is, drivers who are stopped at a light or are stuck in gridlock freeway traffic. It might seem logical that drivers who are stopped would be able to use their phone, but the California state senate disagrees.  Unfortunately, according to a ruling just last Monday, if you are operating a running vehicle, then you are considered to be driving.

The ban on cell phone usage while driving initially took effect in 2008, and three years later the California state senate decided to further the ban by hiking up the ticket charges and fees. However, accidents caused by texting while on the road are still pervasive.

We know that the temptation to use your cellphone is great while you are stuck in gridlock on the 405, but think of the repercussions if you get pulled over! Is a $328 ticket (yes, that’s a cell phone citation after final fees!)  worth sending a text or checking your email while on the road?

And not only that, driving and texting can also hurt your insurance record. Repeat offenders will be fined up to $528, and any subsequent violations will count towards one point on the driver’s record, which could consequently increase insurance premium prices.

BMR Insurance promotes safe driving and encourages all of our readers to put their phones down while behind on the wheel, or to safely pull over on the side of the road if they feel they must take the call.  Remember, by using your cell phone while driving you are not only putting your life at risk but are also endangering the lives of others.

Need to check your auto insurance coverage? For a free 30-Minute Insurance Makeover, or any other information on coverage for home, auto or business, please call BMR Insurance Agency right away. We’ve got you covered! (714) 838-1911.

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Beware: Space Heaters Cause Orange County Fires

Firefighters rush to save residents of an apartment complex in Buena Park that burned on Monday. Photo courtesy of O.C. Register.

Just this week there have been at least two residential fires in Orange County—after 6AM Wednesday morning, firefighters put out a blaze in a motor home near a salvage yard in Santa Ana, and sadly, a body was found inside. On Monday, an apartment fire in Buena Park was most likely was caused by a space heater; luckily, everyone survived that fire, although one woman is still being treated for extensive burns on her body. Everyone wants to save on their monthly heating bills, and people are looking to alternative sources of heat for their homes, offices and workspaces. According to the United States Fire Administration (USFA), home fires spike in winter months. Continue Reading →

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Serious Danger: House Fire After an Earthquake

A gas fire explosion after the 1994 Northridge earthquake in Los Angeles.

Did you participate in the Great California ShakeOut last week? We at BMR Insurance hope you did, as you will have learned a great deal on how to protect yourself, your family and your home during a quake. Remember, the scientists say not IF it happens, it’s WHEN the Big One happens…

Did you realize that after an earthquake, the fallen bookshelves and shifting walls could be the least of your problems? What if the quake shook your water heater away from the wall, causing a gas leak? Flammable paint or other liquids can spill and ignite…and now what’s left of your home is being consumed by fire. Continue Reading →

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What Happens When Homeowner’s Insurance Lapses?

They're laughing all the way to the bank...at America's homeowners.

What happens? It’s not pretty, not pretty at all. As if homeowners aren’t having a hard enough time at the moment making payments and keeping their homes from short-sales (or worse, foreclosure), lenders are making it even harder.

Yes, you heard us—the LENDERS are making it harder on homeowners with one of their clever little “hidden practices” that are nice money earners for them. Continue Reading →

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August is Deadliest Month for Drivers

It’s official: August is the least-safe month to be on the road, says both the Automobile Club and, more impressively, the National Highway Traffic Safety Administration. And guess what? Texting isn’t making the situation any better.

The National Highway Traffic Safety Administration’s statistics show that the highest number of fatal car crashes occur in the summer driving season, but the most fall in August. As much as it’s known that Europeans take August off for vacations, it’s actually the most popular month for American families to take their annual trips—44% says a Gallup poll. Continue Reading →

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Got Allstate? You got a problem…

The tornado in Joplin, Missouri caused billions of dollars in damage, and has created big losses for Allstate.

One of the largest insurance providers in the nation, Allstate, just publicly released their corporate financial information this morning in a report that clearly indicated some major financial issues for the company. Allstate has taken a major blow this year due to catastrophe losses from the biblical-style tornadoes, storms and fires that have recently spawned across the nation.  In fact, in the second quarter, Allstate has suffered a record-breaking  $2.3 billion loss due just in part to catastrophe losses.  Continue Reading →

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Golf Cart Insurance

Golf cart injuries are more prevalent than you might believe, so it’s important to have insurance for your golf cart. Image courtesy of the New York Times.

Nowadays, golf carts are not just for the golf range anymore! You can find golf carts as modes of transportation used in elderly and senior citizen communities, small towns like Laguna Beach, and even as tourist recreational activities on Catalina Island.  With the rising price of fuel, it’s no wonder more and more people are turning to electronically powered golf carts as a transportation alternative.  As an environmentally conscious company, BMR Insurance thinks that the shift to different modes of transportation such as golf carts is great, but as always, we remind our clients that although golf carts are classified as a Low Speed Vehicle, they still need insurance.

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