“10 Horrible Decisions That Will Mess Up Your Car Insurance”

boy getting car keys You might be surprised to learn that simple mistakes can increase your auto insurance premium or even worse, leave you responsible for costs in the event of an accident.  MSN has put together a great list of “10 Horrible Decisions That Will Mess Up Your Car Insurance” Being aware of these mistakes is the best way to avoid them.

If you have any questions on your auto insurance policy, call TMIB today.

McKinley School’s 2015 Jogathon

McKinley School JogathonOn March 13th, McKinley School in Santa Monica will hold its annual Jogathon.  The Jogathon proceeds help pay for updating the school’s technology, classroom supplies and various activities. For a complete breakdown of the event and how you can participate, please visit their event website at

If you would like to sign up or make a donation, you may do so by visiting

TMIB continues to be a proud supporter of the annual Jogathon.


Daylight Savings Time Tips

Daylight Savings 2013Don’t forget to change your clocks! Daylight Saving Time (DST) begins March 8th at 2:00 am, so be sure to set all of your clocks forward one hour before you go to bed on Saturday.

While forgetting to set your clock for DST can be irksome and inconvenient, there are more dangerous factors associated with springing forward an hour.

According to a 2012 University of Georgia study, the days immediately following DST are associated with a 10% increase in the risk of having a heart attack.  Furthermore, two studies from British Columbia found that losing just one hour of sleep can greatly reduce driver alertness.

As amazing as it may seem, losing just one hour of sleep can greatly affect your internal clock or “circadian rhythms”, leading to impaired judgment, diminished alertness, and insomnia.

Tegner-Miller Insurance Brokers has compiled some helpful and easy tips for coping with DST.

  • Avoid caffeine. As difficult as it may be, try to limit your caffeine consumption in the days immediately following DST, by cutting back on your coffee/energy drink/stimulant of choice on groggy post-DST mornings, you will adjust to the time change more rapidly and decrease the negative effects.
  • Be ready for dark morning commutes. After months of driving after sunrise, you should make sure that you are prepared for driving in the dark. Check that your headlights and tail lights are working. Additionally, wake up at least an hour before you plan on driving. Driving in the dark immediately after waking can greatly impair your ability to drive safely.
  • Adjust your sleep cycle. The easiest way to avoid disrupting your circadian rhythms is to shift your sleep cycle during the week preceding DST. Begin going to bed 15-30 minutes earlier than usual the week before DST so that you can minimize your sleep disturbance.

While there are some dangers associated with DST, it’s not all doom and gloom. In fact, for many Angelinos, DST means the exact opposite: an extra hour to enjoy beautiful spring and summer afternoons and evenings. Whether you go for a run, enjoy an early evening barbecue, or take a sunset swim at the beach, you can greatly improve your mental and physical health by spending more time in the sun. The sun’s rays can reverse the depressive effects of Seasonal Affective Disorder (SAD) and provide much-needed Vitamin D. We at Tegner-Miller hope that you have a fun and sun-soaked spring!  Don’t forget to use sunblock!


National Anthem Day: March 3rd

American flagLawyer Francis Scott Key wrote “The Star –Spangled Banner” in 1814 to commemorate the American victory against the British at the Battle of Baltimore. While detained on a British ship during the War of 1812, he was inspired to write the hymn after waking to find that the American flag still flew over Fort McHenry, signifying that the British had not captured Baltimore. While the National Anthem is now one of the most recognizable songs in the world, many facts about its composition and history are still little known. Below are some historical facts about the anthem.

1. The Original “Star-Spangled Banner”- The flag that flew over Fort McHenry on that August day in 1814 was made by Mary Young Pickersgill, a Baltimore flag-maker. The flag measured 30 feet by 42 feet and was sold to Fort McHenry for $405.90. That might not sound like a lot for such a massive flag, but consider that around the same period a cow cost about $10 in Maryland. The flag is on display at the Museum of American History, but you might notice something “off” about it: the flag is now 30 feet by 34 feet! This is not due to battle damage, but rather pieces of the flag cut off as mementos in the 19th century.
2. The Tune- When Key first wrote “The Defense of Fort M’Henry”, he intended for it to serve as an inspirational poem. However, his brother-in-law noticed that the lyrics fit the tune of a popular drinking song of the time – “The Anacreontic Song”. The tune stuck and the song quickly became popular across the country.
3. As National Anthem- While “The Star-Spangled Banner” was often played on July 4th and at baseball games, it did not become the national anthem of the United States until 1931. Before that time, the US had no national anthem!

Happy National Anthem Day from Tegner-Miller Insurance Brokers!

7 Perks Hidden in Your Insurance Policy

insurance policy with pen7 Perks Hiding in Your Insurance Policy

How well do you know the ins and outs of your insurance policies? Maybe not as well as you think. Even the smallest of policies may have some hidden benefits that will come in handy during a major crisis. From yard damage caused by falling trees to power outages that spoil all of the food in your refrigerator, you may be covered somewhere in your insurance policies.

To learn more about a few of these not so well known coverages, check out MSN’s “7 Perks Hiding in Your Insurance Policy” and if you are interested in reviewing your current insurance policies, contact TMIB and we would be happy to assist you.

Box Of Chocolate Web

Valentine’s Day Treats

Valentine’s Day is almost upon us! If you are still looking for something fun to give your sweetheart, don’t worry, we have it covered! This year try a fun pairing of wine and chocolate to enjoy with your valentine.

The secret to finding the right combination is much more than white vs. red or dark vs. milk, it is more about the whole experience. Choose the type of chocolate or wine you both already enjoy, but focus on finding a wine that will elevate the chocolate. Usually a Port or Madeira will succeed as a perfect companion for chocolate since it not only “lifts the wine”, but will “refresh your palate” while enjoying your chocolaty treats.

For a full rundown of great wine and chocolate pairings, visit the NY Times and, as always, for any insurance questions be sure to contact your local broker at TMIB.

To Claim or Not to Claim

Car CrashThe next time you are in a minor accident, you may want to think twice about filing an insurance claim. The reality is that all accidents are not created equal and some smaller accidents may be better left unclaimed as claims can add up fast and even multiple small claims can prove to be costly.

So next time you have a fender-bender, consider your options and think about how a claim could alter your insurance premiums. If you have any questions regarding car accident claims or car insurance, be sure to contact your broker at TMIB.

Happy New Year!

new years 2015 beach1TMIB wishes you a happy and healthy 2015.

Thank you for your continued business.

How to Respond to a Burglary in My Home – Burglary Checklist Part 2

house burglaryAfter a burglary occurs at your home, you will likely be shocked as well as uncertain about what to do next. Tegner-Miller Insurance Brokers has prepared a checklist of things to do after a burglary.

1. If your home has been broken into, your first concern should be your own safety. Get out of the house and to a safe place as quickly as possible. Do not try to save any valuables.
2. Immediately call 911. Be sure to give them the most accurate and complete information available and tell them where they can find you once they arrive at your home.
3. If your windows were shattered or the door lock was broken, arrange for a window replacement company, locksmith or carpenter to repair the damages as soon as possible. Many of these companies offer 24 hour service. If you feel unsafe sleeping at home before the repairs are made, arrange to stay at a hotel or with family or friends.
4. Contact your insurance company/agent as soon as possible to report the burglary and file an insurance claim. Obtain a copy of the police report (when it becomes available). Use the list or video you made of your valuables to help you and the insurance company determine the cost of replacement or repairs.
5. Do not be afraid to reach out for support. Burglaries can be extremely traumatizing experiences.

To learn more about how your insurance policy protects you in the event of a burglary, please call TMIB at (310) 828-9662. Also, be sure to check out Part 1 of our burglary checklist “How to Prepare for the Chance of a Home Burglary” by visiting: click on Blog.

How to help prevent Water Damage in your home – video

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