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 Disney’s Beauty and the Beast** (the new one), simply because the writer of this blog has a two year old and that is the only movie we have been watching for the past month. Disregarding the fact that this is taking place in revolution-era France, there are a few parts in this movie that the insurance agent in me kept noting:
-During the Gaston song, Gaston uses his gun and shoots the ceiling. Would the business insurance cover that? Maybe—it could be considered vandalism. But if he owns the tavern, as it seems that he might, then no, because he (the owner) is knowingly damaging his own property.
-In terms of homeowner’s insurance, would the castles crumbling walls be covered? Nope. Though it is due to magic, I still think it is wear and tear and that is never covered by any homeowner’s insurance.
-Lastly, would the enchanted objects need life insurance or would they just be considered personal property? Not like they’re constantly being destroyed or anything, but near the end Chip almost gets smashed to smithereens, and I just have to wonder if and how he would have been covered.
*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 Disney
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.
Do you know when you should replace your roof? Occasionally, a roof claim is denied because the damage is caused by wear and tear or lack of maintenance. It is always best to stay on top of the maintenance and repairs of your roof. Check out the blog below for helpful advice and tips on staying up to date with your roof.