Despicable Me 2 Movie Claim Monday

Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*

This week’s movie claim Monday is on Despicable Me 2**. Again, I have a 2 year old, the only movies I watch anymore are cartoons.  So here we go!  This one isn’t exactly on claims, rather than just the coverages needed.  The scene I’m going to be going into is when Gru and Lucy break into Salsa & Salsa restaurant to see if the bad guy they are looking for is El Macho (spoiler alert: it is!).

  • El Macho better have some small business insurance.  There is property damage to most of his tables and chairs and a hole gets put in his ceiling.  He would want property coverage as well as loss of use, since he may have to close down while repairs are made.
  • Also, his business coverage would be useful for the safe that is broken into, but the coverage may not apply, as not valuable was taken and the only valuable in there was a jar of salsa.
  • The mall would also want good property insurance, as the minions break quite a bit of glass driving a car through the side wall.  Lots of damage and lots of clean up.
  • Finally, how would Lucy’s car be covered?  I mean, it obviously needs auto insurance, but it is also a submarine and an aircraft.  Three insurance policies seems a bit excessive, so maybe she can find a non-standard carrier that can create a custom policy for her specific vehicle.  You never know.

*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.

**All characters described and mentioned are copyrighted by Universal Pictures

Distracted Driving

Why Your Auto Premium Increased

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.

 

What’s Driving My Personal Auto Insurance Rates?

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-Fast Five

 

 

Movie Claim Monday

 

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

 

 

Understanding Your Policy

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.Understanding your policy

Night Driving Dangers

A little extra caution can go a long way while driving at night

night-driving-dangers

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?

  1. 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.
  2. 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.
  3. 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.

  1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
  3. 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!

Contact Us!

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 info@bbnm.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Content provided by Safeco Insurance

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