Monthly Archive for: ‘January, 2014’

3 Ways to Celebrate Chinese New Year

chineses new year Happy Year of the Horse! January 31st marks the start of the Chinese New Year, a 15-day celebration of the first day of the Chinese calendar. Also known as Lunar New Year due to the Chinese calendar’s use of lunar cycles, this holiday is one of the most important both in China and among Chinese expatriate communities across the world.

 As part of the traditional Chinese New Year festivities, several communities in Los Angeles will hold special events and parades to mark this important day for the Chinese community. Below, Tegner-Miller Insurance Brokers has compiled a list of three Southern California Chinese New Year events to check out this year.

 Chinese New Year Festival in Monterey Park: January 25-26. This two-day festival will include plenty of delicious food, live entertainment and a floral fair. Be sure to arrive at 10am on January 25 to watch the traditional lion and dragon dancers. To learn more, visit

  1. The Chinese Golden Dragon Parade in Chinatown: February 1. Since 1980, the Golden Dragon Parade has been a staple of Southern California Chinese New Year Celebrations. With two-dozen floats, firecrackers and thousands of spectators, this event is sure to be fun for the whole family. Learn more at
  2. Tet Festival in Garden Grove: February 7-9. Vietnam also celebrates a lunar New Year, known as Tet, on the same day as Chinese New Year. The Tet Festival features dragon dancers, rides and Vietnamese food, this festival is a great showcase for Vietnamese-American culture. Get more details at

 We at TMIB wish you a Happy New Year!

Martin Luther King, Jr

MLK day website

DUI for Driving While High

no marijuana signOn January 1st, Colorado became the first state to allow the legal sale and use of recreational marijuana. Washington is expected to follow suit in the next few months. While marijuana use is not legal in California, it has been somewhat decriminalized however being caught with even a small amount can still carry fines. Additionally, thousands of Californians are able to purchase and smoke marijuana legally for medical purposes.

 As marijuana becomes increasingly legal and easy to acquire, it is important to remember that a DUI for driving while high is treated the same by insurance companies as a DUI for driving while inebriated.  

 Unfortunately, due to the varying legality of marijuana across the US, each state has different laws and methods for measuring THC (the active ingredient in marijuana) in a driver’s system. In California, an individual can be charged with a DUI if the state can prove that marijuana impaired their driving skills. In order to help the state’s case, California has just introduced a new method for testing individuals for the presence of illegal drugs. The Los Angeles Police Department plans to begin administering oral swabs that test for a variety of drugs, including marijuana. These will help the police determine if an individual was impaired by marijuana.

 It is important to remember that, from an insurance standpoint, a DUI is a DUI. It does not matter if you are a medical marijuana user, a recreational user or had too much to drink.    If you receive a DUI for driving under the influence you can expect much higher premiums from your insurance company.

 If you have any questions, please don’t hesitate to call us at 310-828-9662.

Did YOU Know?

did you know color arrows websiteWhat is “Loss of Use” and “Additional Living Expenses” on my Homeowner’s Insurance policy?

 While we might not experience nature’s fury as frequently as other parts of the country, Southern California does occasionally have to contend with some pretty hellacious natural disasters. From wildfires to mudslides to earthquakes, crises can be unpredictable, forcing you to flee your home and seek shelter for an unknown period of time.

 How will you pay for a hotel room if you are evacuated? How will you afford a rental dwelling if your home is damaged during the disaster?

 This is where “Loss of Use” or “Additional Living Expenses” (ALE) comes into play. This provision in your homeowner’s insurance policy can help you cope with the cost of living away from your home after a disaster or accident. This coverage typically pays for “extra” expenses incurred as a result of a covered insurance claim.  Importantly, ALE only covers reasonable expenses that help you maintain your current standard of living.

 Insurance policies vary greatly.  There can be a set dollar amount with a set amount of time for this coverage or an unlimited amount and/or unlimited timeframe for coverage.

 Most earthquake policies include loss of use and typically have very specific limits available. In some cases you can decide how much coverage you want (up to a certain limit).

 Most homeowner’s insurance policies include some amount of Loss of Use or ALE, but determining the proper amount can be tricky.  Speak to your knowledgeable broker at Tegner-Miller Insurance Brokers. We can help you pick the right home insurance policy for your needs.  Please call us at (310) 828-9662.