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

Avoid Parking Lot Accidents

Parking Lot5 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:

  1. 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?
  2. 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.
  3. 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.
  4. 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.
  5. 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.

 

Parallel parking – the easiest way!

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.

Speeding

Slow down, save money … and lives

How many times has the following happened to you? You’re speeding down I25 when you spot a New Mexico Highway patrol car. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time.

SpeedingNow take a minute to think what could have happened if you hadn’t been so lucky.

First, your speeding could have hurt somebody — or yourself. According to the Insurance Institute for Highway Safety, speed is a contributing factor in more than 30% of fatal crashes and nearly 20% of non-injury accidents. That’s a big risk to take.

Second, getting a ticket could put a big hit on your wallet. Of course, that’s not nearly as important as the health and safety impacts of speeding, but in this economic climate, more and more people are watching every dime. And who wants to write a check to the state for speeding?

At Brown & Brown Insurance, we want you to be safe. We also want to make sure you get a great price on the insurance coverage you need. Thankfully, easing up on that lead foot can help accomplish both.

How a ticket impacts your insurance

If you get a speeding ticket, that violation can stay on your driving record for three years or even longer. And because your driving history plays a large part in determining how much you’ll pay for insurance, the fewer tickets you have, the better.

Different carriers have different policies when it comes to checking your driving record and dealing with drivers who have violations. If you receive a ticket, and it’s your first in several years, you may not see much of an increase — depending on the severity of the offense. In fact, many states will allow you to enter a deferment program if it’s your first ticket, keeping the violation off your record if you complete a safety course and avoid further tickets.

But that second ticket (or third, or fourth …) can bring some serious financial penalties. While there are too many variables to say specifically how much each additional violation will increase your premium, it’s safe to say that the jump will be significant. And unfortunately, you can be stuck paying those higher premiums for years.

Significant violations can have a bigger impact as well. If you’re going 20 miles per hour over the limit, you’ll likely pay more than someone with a ticket for 5 mph over. Insurance companies know that speeding increases the risk of accidents, and they’ll view you as an increased risk — for good reason. In fact, if you have a serious violation, or too many tickets, your insurance carrier could drop your coverage altogether.

For younger drivers (typically under the age of 25), it’s especially important to avoid tickets, because companies already view these drivers as riskier than the general population.

And keep in mind, even if your premium doesn’t go up, having a violation on your record could prevent you from receiving the lowest possible rate on your insurance.

Of course, we think the best policy is simply to obey speed limits. Not only will you avoid tickets and possible insurance hassles, but your risk of accidents will decrease. And you’ll get better gas mileage. Sounds like a good deal to us!

Distracted Driver

Avoiding distractions while driving could save your life

You’ve seen them on the roads; you might even know a few of them.

And you could be one yourself.

Distracted drivers in come in all shapes, sizes, ages and experience levels. Even if you’re not one today, you could become one at any moment — in the time it takes you to answer your cell phone or check the kids in the back seat when you’re driving through AlbuquerqueDistracted Driver.

If you or someone else you know thinks you can drive just fine while talking on your phone, think about this: More than 450,000 people were injured in crashes that reportedly involved distracted driving in 2009, according to the National Highway Traffic Safety Administration. More than 5,000 of those people died.

Distractions on the road come in many forms, according to www.distraction.gov, a U.S. Department of Transportation website. There are three main kinds of distractions:

Visual – taking your eyes off the road

Manual –taking your hands off the wheel

Cognitive – taking your mind off what you’re doing

 

To help you avoid all three kinds of distractions the next time you’re behind the wheel of your car  here are a few tips:
Put your phone in silent mode and store it away from the front seat or in a purse or bag. This helps reduce temptation.
Have a passenger answer your phone or return text messages for you. If a call or a text can’t wait, pull over in a safe spot before using your phone.
This one seems obvious, but finish shaving or applying makeup before you get in the car!
If you’re emotional, wait until you’ve calmed down before hitting the road.
Avoid road rage. You’ll be happier and safer.

Whenever you’re on the road, it’s not a time to multi-task. Focus on driving safely.

 

Five ways to get your car stolen

five ways to get your car stolen

 Five sure-fire ways to get your car stolen

Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.

 

At Brown & Brown Insurance of , we don’t want you walking out your door to an empty driveway or leaving {local mall} only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes.

 

  1. Leave your car running … and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill — as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off some mail.
  2. Keep a spare set of keys inside the car. Law enforcement agencies say this is a great way to turn a car prowler into a car thief. They’re already breaking into your car to get a phone, or a laptop, etc. What do you think they’re going to do when they find a set of keys? They’re not going to drop them off on your porch with a nice note, that’s for sure.
  3. Put valuables in plain sight. Seems simple, but we’ve all made this mistake. You’ll just be in the store for a second, after all, so who cares if you leave your smartphone on the front seat? Or items from your other errands in the back seat? Be smart — if you have to leave items in your car, put them in the trunk, or at least hide them as best you can. And do it before you get to your next destination.
  4. Leave your car unsecured. The best thieves can work wonders with a window that’s left open even just a crack. And even the worst thieves can steal a car that’s been left unlocked, with no alarm set.
  5. Assume nobody would want to steal your car. Think your car is too old or too undesirable for a thief to bother? Scrap metal is worth money, so never assume that your car is safe — even if you think it’s just a “junker.”

 

Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle, it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well!

Contact Us!

At Brown & Brown Insurance of New Mexico, 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 505-592-2500 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

Getting Ready to Take a Summer Vacation

Getting ready to take a summer vacation? Summer vacations and road trips are just around the corner. While preparing for vacation create checklists, budget  finances and plan stops at exciting sights or dining at exotic restaurants. Creating a checklist for your vehicle should also be at the top of your to Summer Vacationdo list. Change the oil, check levels on fluids and look over the tires for pressure and slow leaks. Also, be sure to have a roadside essential kit – this can be vital in the case of an emergency. You can never be too prepared on the road.  Take a look at the article below to see some items to keep in your trunk, so you are prepared!

 

 

 

30 Essential Things You Should Keep in Your Car

Some of us keep absolutely nothing in our car trunks, while others have enough packed to live in their cars for weeks. Somewhere in between is this list of thirty things we think every car owner should always have on hand.

 

 

Understanding Rental Car Coverage

Pretty often we will receive calls in our office regarding rental car coverage. Many people don’t  know that rental coverage needs to requested to be added on to their policy as an endorsement, and it is only applicable with a covered comprehensive or collision claim. The article below is very informative on rental car coverage and the best way to go about starting a claim to get you back on the road while your vehicle is in the shop.

 

http://blog.central-insurance.com/2016/03/21/understanding-rental-car-coverage/

Why an Independent Agent

NM Logo - Red Line

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.

With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Brown & Brown Insurance of New Mexico you get choices.

Why? Because independent insurance agencies, like Brown & Brown Insurance, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Albuquerque, Santa Fe & Taos community, and we’re committed to doing business face-to-face and being your advocate in times of need.

Serving Albuquerque, Santa Fe & Taos and the state of New Mexico, here are a few reasons why Brown & Brown Insurance should be your first and last top when looking for insurance.

  • We work for you when you have a claim.
  • We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
  • We are your consultants, working with you as you determine your needs.
  • We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
  • We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
  • We can periodically review your coverage to keep up with your changing insurance needs.
  • We are committed to customer satisfaction – it’s the key to our livelihood.
  • We treat you like a person, not a number.
  • We are licensed professionals with strong customer and community ties.

There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, please contact us today. Give us a call today at 505-821-5888.

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