Monthly Archive for: ‘September, 2013’

Comprehensive Auto Coverage

window-in-carMost people think of car insurance as only protection against collisions and liability claims. However, comprehensive coverage pays for claims resulting from non-accident related claims.

When buying comprehensive coverage, be sure to speak to your broker at Tegner-Miller Insurance Brokers about your particular situation.  For example, if you have an older or previously damaged car, when you evaluate the cost of the comprehensive coverage as well as the deductible amount you might not want comprehensive coverage.

So, what type of damage is covered under the comprehensive portion of your automobile policy? Below, Tegner-Miller Insurance Brokers has compiled a short list of some of the most common types of claims covered by comprehensive coverage:

  • Storms and Natural Disasters:  In Southern California, this generally means earthquakes and wildfires, but if the damage is caused by other calamities, like flooding, strong winds and hail and you have comprehensive coverage you will be covered (less your deductible).
  • Vandalism:  Nothing aggravates a car owner more than a keyed car. While you might not be able to prevent vandals from scratching your paint or breaking your windows at least this damage would be covered under the comprehensive portion of your policy (less the deductible).
  • Theft: Comprehensive auto insurance covers not only the cost of the stolen car (less the deductible), but also may include coverage for items permanently attached to your car, like stereos or GPS systems.

Please call TMIB, (310) 828-9662, if you have any questions regarding comprehensive coverage on your automobile policy.

It Can Wait

Woman TextingTexting while driving is the newest epidemic that is causing car crashes across the US. According to AT&T, more than 100,000 accidents are caused by texting drivers annually. And the numbers are rising. To counter this disturbing new trend, AT&T has partnered with Sprint, T-Mobile, Verizon and more than 200 other companies to launch its “It Can Wait” campaign, which urges drivers to avoid texting while driving.

While the campaign was specifically designed to run from Memorial Day through Labor Day (the deadliest 100 days of the year for teenage drivers), September 19 will mark the “It Can Wait” day of action. Followers of the campaign are encouraged to spread the word on the dangers of texting and driving on September 19th, and collect pledges from drivers that they will not text and drive.

Tegner-Miller Insurance Brokers encourages all of its clients to sign the pledge and speak with their friends, family and loved ones about the dangers of texting while driving. Below are a few statistics on texting and driving from AT&T and the “It Can Wait” webpage.

  • Nearly half of all teenagers (43%) text while driving, even though 97% of the teenagers surveyed know that texting while driving is dangerous.
    • Around 75% of teens say that they have friends who text and drive.
    • 49% of drivers admit to texting while driving.
      • More than 40% of those who admitted to texting and driving claim that they do so habitually.

You can learn more about the campaign and sign the pledge here:

Or watch this moving documentary by Werner Herzog on texting and driving:


September 11
A Day of Remembrance and Reflection


Did You Know Home Insurance Policies have Medical Payment coverage?

Tegner Miller Did You KnowMany people think personal liability coverage is the only part of a standard home insurance policy that protects you in the event of an injury on your property. However, this coverage only applies when the injured person sues you.

What if the injured party decides not to sue, but still needs help paying his or her medical bills? This is where Medical Payments coverage (or MedPay) comes into play.  MedPay coverage will generally cover up to $1,000 (higher limits can be purchased) in medical bills if a person is injured on your property and elects not to sue.

Below is a list of injuries that are typically covered by MedPay, followed by a list of injuries/medical bills that are not covered.

Injuries typically covered by MedPay:

  • Your dog has a thing for mailmen. And by “a thing” for them we mean an impulsive desire to chase and bite them. One day, your dog escapes and finally accomplishes his lifelong dream.  Thankfully, your mailman is an understanding person and decides not to sue. MedPay will cover the cost of his stitches and any other medical necessities (up to the coverage limits you have purchased). In some cases, MedPay will also cover injuries caused by your pet even if they occur off of your property.
  • The neighborhood kid hits his ball over your fence during an afternoon game of baseball. You are not home to retrieve it for him, but the bases are loaded and waiting to get the ball is not an option. He decides to climb your fence to retrieve the ball, falls, and breaks an arm on your side of the fence. MedPay will pay for his medical bills up to your policy limit.
  • Your new mailman, trying to avoid the fate of his predecessor, sprints away from your barking hound, slipping on your front porch and spraining an ankle. MedPay will cover any medical expenses incurred as a result of this fall up to the policy limit.

Examples of Injuries/medical bills NOT Covered by MedPay:

  • Your toddler has the chickenpox and an unwitting neighbor catches the virus while at your home. As an adult, your neighbor has a more severe reaction to the virus and must be prescribed antivirals.  MedPay will NOT cover this medical treatment. MedPay will not cover injuries or medical bills resulting from a communicable disease.
  • Unbeknownst to you, your deadbeat cousin is distilling moonshine in your guest bathtub. Some foolish soul tries the homemade hooch and becomes violently ill, requiring medical treatment. MedPay will NOT cover this medical treatment. Any injuries resulting from the production, distribution or consumption of a controlled substance are NOT covered by MedPay.

For more information about what MedPay covers and how to increase your limit of coverage, speak to your broker at Tegner-Miller Insurance Brokers.  Please call us at 310-828-9662.