You just received your renewal for your auto policy. You skim down to find the new premium for the following year and you see it has increased by a couple hundred or more. Most auto policies take an annual rate increase otherwise known as an inflation guard. There are also other factors that could cause this increase.
Below is an article that gives insight into what determines your premium and what may increase your premium upon renewal. Keep in mind as your agents, we are here to review your policy if you ever have questions.
If you drive a vehicle, you are required by law to have insurance. But why do we need it? Consider hitting a car and injuring three passengers. If both your vehicle and the other vehicle are valued…
Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*
Our movie today is Fast Five. As the eighth installment of this series just came out, we shouldn’t be spoiling the plotline for you. The scene we are looking at is where the team (specifically Dom and Brian steal a large safe (bank vault) by attaching it to the back of their Dodge Chargers and cause massive damage during a very intense police chase. So here is where our insurance minds took us:
-The special upgrades on the Chargers are pretty awesome. Hopefully they notified their insurance carrier of those upgrades—they can be covered by comprehensive or collision if they are noted on the policy.
-Surprisingly, the only human injuries seem to be to the drug dealing cops, so that’s less liability to worry about.
-Speaking of liability, I sure hope they have super high limits with a huge umbrella policy. The damage done to buildings (like the bank) and all the other little structures would be millions in damage. I would venture they needed a $10 million umbrella for that kind of stuff.
-But, by far the biggest issue is that they are in Brazil. So unless they have an insurance policy for Brazil, it won’t be covered by any policy in the US. But they make millions off this particular situation, so they can just pay for it all themselves if need be.
*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.
Written by Kristin King
In light of all of the recent weather disasters and catastrophes, we in the Brown & Brown personal lines department want to be sure you aren’t in for a surprise (the bad kind, not the good kind) if something were to happen to you. It is important that you understand the coverages provided to you by homeowner’s insurance and your auto insurance. Contact your agent today to review your policy.
Review Your Policy
The first thing to do is read your policy. Car insurance terminology can be a bit daunting, but the main thing to know is your limits of liability, your uninsured motorist coverage, and your deductibles. For home insurance, make sure that your dwelling coverage is at replacement cost. There is obviously a lot more to each policy, and if you have questions, our personal lines agents are here to help.
Contact Your Agent
We want you to be confident that you are covered properly. Our three offices are in Albuquerque, Taos, and Santa Fe, but we insure clients throughout all of New Mexico. We hope you give one of our offices a call to help with all of your insurance needs.
A little extra caution can go a long way while driving at night
Summer has ended, and while fall and winter have their own pleasures, longer nights mean increased danger on the roads.
You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).
Because we’re big advocates for safety at Brown & Brown Insurance, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.
What’s dangerous about night driving?
- Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
- Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
- Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.
So what do you do?
Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to Santa Fe.
- Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
- Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
- Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.
Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!
At Brown & Brown Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 505-821-5888 or send us a note at email@example.com. We want to help you meet your goals, and make sure what’s important to you is protected!
Content provided by Safeco Insurance
5 Ways to Avoid Parking Lot Fender Benders in New Mexico
Parking lots in Albuquerque, NM – we love the convenience but hate the frustrations, especially when people are driving too fast, backing out of spots without looking and otherwise modeling bad parking lot behavior.
That behavior just so happens to be the cause of many a door ding and irritated driver. Even worse, careless behavior can cause a collision or injury. So, let’s all slow down and follow these five tips to make parking lots safer for everyone:
- Don’t Speed
Speeding decreases the amount of time you have to react when a child runs out in front of you, another driver stops suddenly or a car begins backing out unexpectedly. Is a collision – or even a fatality – really worth the price of getting to your destination just a bit sooner?
- Use Your Eyes – and Mirrors and Cameras
Keep a lookout for perils at all times, even if the lot seems empty. When you’re pulling into a spot, watch for doors being opened. When backing out, look all around, in your mirrors and in your rear-view camera and proceed slowly.
- Give Yourself – and Others – Some Space
Parking in between the lines and in a spot sized for your vehicle may help to minimize dings and scratches. Better yet, park in a less-crowded area and enjoy the stroll into the store – just don’t park where you feel unsafe. And, always park away from stray carts.
- Expect the Unexpected
Assume things will happen. That someone will dart out in front of you, that a cart will come rolling toward you, that someone backing out of his/her spot won’t see you backing out of yours. When you’re on guard, you’re better prepared for those who aren’t.
- Be Respectful
A little kindness goes a long way in a parking lot or parking garage. So stop for pedestrians, don’t cause traffic jams waiting for a spot and, above all, don’t lose your cool.
Remember, when you’re watching for dangers, you have a better chance of avoiding them. If an incident does occur, we here at Brown & Brown of New Mexico are ready to help.
All-in-one parking methods. Easy to understand tutorial. Learn to drive and prepare for a driving test! http://www.parkingtutorial.com/ The clip has NO AUDIO. This way of parallel parking is the EASIEST, because the driver is given exact REFERENCE POINTS. According to these points he/she can turn the steering wheel at the right moment and parallel park the car.