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…

 

 

 

Employee Spotlight

Karen Fournier

This month’s employee spotlight is on the wonderful Karen Fournier in our Taos office.  She  has been with Brown & Brown for nearly 5 years, about as long as she has been in Taos.  Karen and her husband Gary have been married for 32 years and have two sons and three grandkids.  Karen also says that she loves to travel with her husband—they especially like cruising.  For fun closer to home, Karen says that she and Gary love to downhill ski and golf (and Taos is perfect for both of those!).  She is such a help to everyone in the Taos office and we all are so happy to have her as part of our team.

 

Employee Spotlight

Andrea Vargas

Andrea Vargas

This month’s employee spotlight is on our lovely Andrea Vargas.  Andrea is on our benefits team here in the Albuquerque office.  She has been working in
insurance for 14 years and has been with us for 6 months.

Andrea says that she is 100% focused on her family.  She loves to spend time with her two kids and spends most of her weekends watching her daughter play volleyball and her son play baseball.  She just recently bought a house in Los Lunas, figuring out the “country” way of life on two acres of land.  Andrea says that her guilty pleasure is watching any of the Real Housewives series, but her real love is the Dallas Cowboys.

Andrea is such a positive and fun person and we love having her on our team!

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.*

 

Today we look at the movie Batman vs. Superman.  In a fairly early scene, we see one of Bruce Wayne’s buildings come down.  We have a few thoughts on the matter:

-Is Bruce Wayne self insured?  He is a billionaire, surely he could set aside a few million for coverage for his buildings.  But he’s also quite brilliant—perhaps he knows that he has a high exposure in a city like Gotham (or Metropolis, which might be where this particular scene happened), and thus would purchase some high quality insurance to back him up.

– Is an alien attack covered?  If he has an open peril policy and alien attacks aren’t specifically excluded, then yes, the attack is covered for all the property damage.

-Would the liability damage from the building falling be on Mr. Wayne or on the aliens.  We would say the aliens, because they are the primary cause of loss.  But then, taking the aliens to court to get a big payout probably wouldn’t do anyone any good.

 

*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.

 

Employee Spotlight Tambra Nash

tambra-nash-Brown & Brown InsuranceThis month’s employee spotlight is on our wonderful Tambra Nash.  She has been in insurance for 22 years, working her way up from a receptionist all the way to our Operations and Regional Leader.

Tambra has been married for 33 years and has 3 sons, with one still at home in high school.  Her favorite place to be is outdoors.  She loves going to the lake, camping, biking, skiing and going to football games.  Most recently, she has taken up indoor rock climbing.  Though she is still just learning, she is having a blast doing it.

While she prefers to be productive away from the home, her favorite things at home are her husband’s cooking, reading a lot of books, and watching the Big Bang Theory and The Walking Dead.

Tambra is the glue that holds our office together, and we are so glad that she was selected to share a little bit about herself this month!