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Monthly Archive for: ‘January, 2013’

Employee Contest-Customer Referrals

Tegner-Miller Insurance prides itself on having provided outstanding customer service since 1902.

We know that referrals from our customers are directly related to the great service that the staff at TMIB provides.

As a thank you to our employees, during the first quarter of 2013, TMIB is having an employee contest and will reward all of our staff who have received referrals from our existing customers.

The best way our customers can reward great service by our employees is to refer someone to them. Have you received great service from someone at TMIB?  Say thanks by referring a friend, neighbor, or family member to us.

Michelle Wentzel, Personal Lines Account Manager, has received the most referrals from her clients and is the early leader in the contest.  The Personal Lines Department is leading with the most referrals by a department.

Please check back for updates as the contest progresses and again thank you for your referrals.  It is truly the best way to tell our staff, “Thanks for your great service.

As a thank you to our customers, Tegner-Miller Insurance Brokers has a Client Referral Rewards program.   To learn more, please visit our website: http://tmib.com/referral-rewards or call us at 310-828-9662 for more details.

TMIB Celebrates Martin Luther King Day

Happy Martin Luther King, Jr. Day!

In these trying and divisive times, we can all learn something from Dr. King’s conduct and actions during the turbulent civil rights era. Dr. King faced brutality with nonviolence, indifference with selfless action, and intolerance with love for his fellow man, regardless of their religion, color or creed.

We encourage all of our clients to reflect on the actions of Dr. King and other civil rights leaders this Monday.

In accordance with the national holiday celebrating the life of Dr. King,Tegner-Miller Insurance Brokers will be closed on Monday.

If you need assistance or have any questions, please call us on Tuesday when we will reopen for business, at 310-828-9662.

Earthquake House

Northridge Earthquake Anniversary

It is hard to believe that 19 years ago today the Northridge earthquake struck at 4:31am.   It only lasted 10 – 20 seconds but caused over $20 billion in damages to Southern California.

As time passes, we all become complacent with being prepared for the next Earthquake.

Tegner-Miller has put together some helpful ideas to help you be prepared for the next “big one”.

  • Have at least a one week supply of water, food and prescription medicine for your family. (Don’t forget to include items for your pets)
  • Have a disaster kit prepared that has at a minimum a flashlight, batteries, first aid kit, blankets and cash.  (ATMs might be affected)
  • Prepare an emergency plan for your family to insure communication after a disaster.  This should include an out of state contact in case local phone service is interrupted.
  • Make sure you have installed an earthquake gas shut-off valve for your home and everyone knows how to operate it.
  • Review your earthquake insurance coverage now.  Most insurance policies have completely changed from what was available 19 years ago.  Do you have adequate coverage?

Now is a good time to review earthquake insurance with Tegner-Miller Insurance Brokers. Your home is one of your largest assets. Make sure you have the right coverage before the next earthquake strikes.  Please call us at 310-828-9662 and we will be happy to assist you.

is traffic school worth it

Is it worth it for me to go to traffic school?

In Los Angeles, tickets for moving violations can be incredibly expensive. While these tickets are necessary to reduce dangerous driving in our city, they can also put quite a dent in your wallet. For example, a ticket for running a red light in LA can run you around $480.

When you are saddled with a massive ticket, you have two options to reduce the overall price you will have to pay. First, you can simply pay the ticket. While this option is relatively hassle free, is it the cheapest and best option? Second, if you are eligible, you can attend traffic school.

At TMIB, we encourage our clients to go to traffic school or take an on-line traffic class after receiving a ticket (if eligible to do so).

While traffic school might seem like an unnecessary burden, it can greatly decrease the total cost of your traffic infraction.

If you attend traffic school, and do not receive subsequent moving violations during a specified period of time, the infraction will not be visible on your motor vehicle report (MVR). This means that the ticket will not increase your auto insurance premiums.

As we will demonstrate, keeping a violation off your MVR will greatly decrease how much a ticket will cost you in the long run.

Let’s say you pay $1,000 for your insurance premium and your ticket is for $480.

If you choose to pay your ticket and skip traffic school, your premiums can go up by as much as 10% for 3 years following the citation. If this is your second infraction in a 3 year period, your premiums can increase by as much as 20%, and you will lose your Good Driver discount, adding another 20% (approximately as each insurance company gives a different discount) to your automobile insurance premium. That means that your total payment for a traffic violation will range from $780 to a whopping $1,680 over the next three years!

On the other hand, if you attend traffic school, your premiums will not increase. The total cost of traffic school is generally less than $100, meaning that you will pay, at most, $580 for your traffic violation (in the above example).

Clearly, attending driving school can greatly decrease how much you pay in the long run for a traffic violation. Furthermore, you can take your traffic school lessons online, providing you with a convenient way to save after a traffic violation.

If you have any questions or need assistance, please don’t hesitate to call us at 800-775-8642.  We look forward to hearing from you soon.

Familyplaying

When Was the Last Time You Reviewed Your Last Will and Testament?

As the holidays come to an end and 2013 begins, you are likely spending time reflecting on the events of last year.

Perhaps you have a new grandchild, son-in-law, or spouse. Perhaps you had a death in the family. As you reminisce on 2012, you should consider updating your will to reflect changes in your life.

While there are no laws governing when you should update your will, you should always review and amend your will when major life events occur. Failure to do so could create problems for your loved ones when you pass away. While you should always review your will periodically, the following major life events should trigger a review:

  • Marriage/Divorce
  • Death of a spouse/life partner
  • Births or Adoptions
  • Changes in the needs of children or beneficiaries
  • Significant change in value of assets
  • Death or disability of a beneficiary
  • Relocation to another state/country
  • Purchase of a new home

While these major life changes should trigger an amendment, you should also consider some other more subtle changes.

  • Have you changed lawyers in the past year?
  • Will your assets be affected by new tax legislation (such as the recent fiscal cliff deal)

Sorting through your will can be difficult and confusing. Be sure to speak with your attorney to determine if your will needs to be amended or rewritten altogether and also remember to talk your broker at TMIB to determine whether your current insurance policies continue to meet your needs.

Please contact us at 800-775-8642 with any questions or concerns you may have.  Happy New Year from TMIB!