http://www.bronsoninsurance.com/blog/View Bronson Insurance Services's Website Blogen-uspostmaster@www.bronsoninsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:5f8cf633-9baf-429b-934a-6dc45fd7cec7urn:uuid:adc5be48-bac1-409e-9d43-5d40c1bf5760First, let&rsquo;s look at what a rental company may hold our customer responsible for in the event of a loss involving a rented vehicle, under the law and the rental contract&rsquo;s language. The rental contract often obligates the renter to pay fo...Fri, 06 Jan 2012 08:39:06 -0600First, let&rsquo;s look at what a rental company may hold our customer responsible for in the event of a loss involving a rented vehicle, under the law and the rental contract&rsquo;s language. The rental contract often obligates the renter to pay for items not covered under the policy. The two most common and costly are diminished value and administrative fees. First party collision and comprehensive coverage&rsquo;s do not cover these. Also, rental companies often pursue undocumented or artificially calculated loss of use-related loss of income. This may be disputed and is sometimes less than fully covered under the policy&rsquo;s first party transportation expense coverage, particularly when all the rental company&rsquo;s vehicles are not rented out or when the rental company provides insufficient documentation of having suffered a real loss of income. We have seen examples of coverage gaps, particularly related to diminished value, where thousands of dollars have been charged directly to the customer&rsquo;s credit cards, a charge often difficult to ever have reversed.&nbsp; Some customers say, &ldquo;I have full coverage.&rdquo; Diminished value, the biggest uncovered exposure, is specifically excluded in our Family Auto Policy, and is not a covered first party loss under any of our other policies. The policy also affords no coverage for payment of administrative fees that a rental company may seek. Some loss of use may be covered; however the rental company would have to document their loss of use for us to consider payment for it under transportation expense, a coverage not designed to match that exposure at all. The rental contract may&nbsp; automatically entitle the rental company to large amounts for loss of use, diminished value, admin fees, and possibly even total loss related costs for fairly minor damages not anywhere near the vehicle&rsquo;s total value, with no requirement that they have to substantiate these charges before they can collect them from the renter. <b><span style="text-decoration: underline;">In summary, when a customer rents a vehicle and asks, &ldquo;Should I purchase the collision damage waiver the most accurate answer is &ldquo;Yes, you should, if you want to make sure that you so not experience any difficulties or coverage gaps in the event of a collision or comprehensive loss.&rdquo;</span></b> The purchase of this coverage should eliminate practically and costs, including those discussed, should a rental vehicle be damaged.&nbsp; No doubt about it, CDW can sometimes be pretty expensive. But the uncovered costs that a policyholder may face if a loss occurs can be far greater. Having a conversation with the customer about this exposure helps them understand what risks they take upon themselves if they decide not to purchase this coverage. <i>(This summary was jointly written by the ERIE Claims &amp; Law departments)</i><b></b>urn:uuid:50cfceeb-6a65-46bc-8b93-7c66a45393aa<img src='http://www.insurancewebsitebuilder.com/img/~www.BronsonInsurance.com/Andrei%20Rusty%20at%20childrens.jpg' align='left' />Thank you to everyone who attended our Holiday Balance Breakfast!&nbsp; Thank you also to our host Cardinal Stritch University and their College of Business and Management.&nbsp; We all learned a great deal from our presenters, Push Functional Fi...Fri, 16 Dec 2011 14:01:23 -0600<p>Thank you to everyone who attended our Holiday Balance Breakfast!&nbsp; <br /> <br /> Thank you also to our host Cardinal Stritch University and their College of Business and Management.&nbsp; <br /> <br /> We all learned a great deal from our presenters, Push Functional Fitness, the Glendale location of Joseph A. Bank, and Global View Capital Advisors.&nbsp; <br /> <br /> We cannot improve our business until we first improve ourselves.&nbsp; All of our speakers gave us great ideas on how to look better, feel better about ourselves from a health perspective and feel better financially.</p> <p>&nbsp;</p> <p><img width="2565" height="1823" alt="" style="width: 204px; height: 150px;" src="http://www.insurancewebsitebuilder.com/img/~www.BronsonInsurance.com/Andrei%20Rusty%20at%20childrens.jpg" /><br /> <br /> Thank you for bringing your gifts to the breakfast which have been donated to the Children&rsquo;s Hospital of Wisconsin.&nbsp; The holidays are about friends, family and being thankful for all that we have. Your gifts will help bring great joy to children who need it most during this holiday season.<br /> <br /> </p> <p>&nbsp;</p> <p>Please remember to follow through on what we learned.&nbsp; Get up from your chair without using your arms&hellip;don&rsquo;t eat handfuls of cookies&hellip;do not wear clothes that do not fit&hellip;cashmere, cashmere, cashmere&hellip;improve your own personal and business economies&hellip;plan, design and protect.&nbsp; If you were not able to attend and are interested in receiving the information from the breakfast please let us know and we will get that out to you. </p> <p>&nbsp;</p> <p>We are planning additional workshops next year and would welcome ideas for topics.&nbsp; Please let us know what you would be interested in learning about to improve yourself or your business.</p> <p>&nbsp;</p> <p>Above all have a wonderful holiday season and a great start to 2012!!!!</p>urn:uuid:d958c64a-6e36-40fe-afe4-e320abea3205Holiday Balance Breakfast.pdf Bronson Insurance is presenting a Holiday Balance Continental Breakfast on Tuesday, December 6 from 7:30am-9am at Cardinal Stritch University in Glendale. &nbsp; The goal of this event is to provide ideas on holistic ba...Mon, 21 Nov 2011 16:11:30 -0600<a href="/img/~www.BronsonInsurance.com/Holiday Balance Breakfast.pdf">Holiday Balance Breakfast.pdf</a><br /> <br /> <p>Bronson Insurance is presenting a Holiday Balance Continental Breakfast on Tuesday, December 6 from 7:30am-9am at Cardinal Stritch University in Glendale.</p> <p>&nbsp;</p> <p>The goal of this event is to provide ideas on holistic balance for business owners and other professionals during the holiday season.&nbsp; Attendees will leave knowing how to better maximize their business while maintaining their personal balance during the holidays.&nbsp; Attendees will also have the opportunity to network with other professionals.</p> <p>&nbsp;</p> <p>This continental breakfast is primarily geared toward business owners and other professionals as we learn how to maximize business opportunities and networking during the holidays while also maintaining a good balance with friends, family, health etc. &nbsp;We have great speakers lined up to discuss four timely topics:</p> <p>&nbsp;</p> <p>Networking/Etiquette</p> <p>Looking your Best</p> <p>Feeling your Best</p> <p>Holiday Finance</p> <p>&nbsp;</p> <p>We would love to see you there as we all learn how to network and maximize our time during the holidays.&nbsp; To RSVP and for additional information please contact Andrei at 414-332-3822 or <a href="mailto:Andrei@bronsoninsurance.com">Andrei@bronsoninsurance.com</a>.&nbsp; </p> <p>&nbsp;</p>urn:uuid:606374ab-75c2-470d-83ce-75526a83e919Developer's Notes for: Erie Insurance Mobile &nbsp; Erie Insurance Mobile iPhone, iPod Touch Category: Utilities Developer's Notes ERIEmobile is ERIE Insurance&rsquo;s new auto insurance claim and assistance app for the iPhone! With ER...Fri, 21 Oct 2011 15:24:12 -0500<p><b>Developer's Notes for: Erie Insurance Mobile</b></p> <p>&nbsp;</p> <p><b><a href="http://www.appolicious.com/tech/apps/431292-erie-insurance-mobile-erie-indemnity-company"><br /> <br /> Erie Insurance Mobile</a></b></p> <ul style="list-style-type: disc;"> <li>iPhone, iPod Touch </li> <li>Category: <a href="http://www.appolicious.com/categories/utilities/186">Utilities</a> </li> </ul> <p><b>Developer's Notes</b></p> <p>ERIEmobile is ERIE Insurance&rsquo;s new auto insurance claim and assistance app for the iPhone! </p> <p>With ERIEmobile, Erie Insurance Customers can: <br /> &bull; Quickly contact their ERIE Agent and ERIE Insurance <br /> &bull; Collect auto accident claim information <br /> &bull; File an auto glass or auto accident claim <br /> &bull; Display auto insurance IDs <br /> &bull; Locate nearby repair shops and roadside services <br /> <br /> CONTACT YOUR AGENT AND ERIE QUICKLY! <br /> ERIEmobile provides: <br /> &bull; Phone numbers, e-mail addresses and directions to your agent&rsquo;s office <br /> &bull; Direct phone contact to ERIE for Customer Service, Billing, and Claims Services <br /> <br /> COLLECT AND FILE AUTO CLAIM INFO. <br /> If you have an auto glass claim or are in an accident, ERIEmobile allows you to: <br /> &bull; File an auto glass claim <br /> &bull; Quickly call local emergency assistance <br /> &bull; Record the accident location <br /> &bull; Take accident scene photos, or import photos into ERIEmobile <br /> &bull; Record voice descriptions of the accident and vehicle damage <br /> &bull; Collect witness, injured persons, and police report information <br /> &bull; Send accident information to ERIE Insurance to start the claims process or save the information to help you file a claim later <br /> <br /> DISPLAY YOUR INSURANCE CARD. <br /> &bull; This app displays a copy of your insurance card, should you need it. Proof of Insurance is always with you. No more fumbling through the glove box! <br /> <br /> FIND VEHICLE ASSISTANCE, REPAIR STATIONS AND SERVICES. <br /> &bull; ERIEmobile locates repair facilities or services such as tow trucks, rental cars, gas stations, locksmiths, taxi service, hotels or hospitals</p> <p>SPECIAL NOTES: <br /> An ERIE personal auto policy and an Erie Insurance Online Account are required to fully access the features offered by this Erie Insurance app. The Online Account is simply a registration process for ERIE Customers that allows you to connect to your auto policy information with this app. You would not be able to file a claim without completing this process. </p> <p>If you do not already have an Erie Insurance Online Account, the app will direct you to create a new account. Be sure to do so right away! <br /> Visit https://www.erieinsurance.com/Account/Create/Default.aspx? to set up or modify your online account today. <br /> <br /> Questions or comments? Email us: ERIEmobile@ERIEInsurance.com.</p> <p><br clear="all" /> </p>urn:uuid:47d41859-6fc8-4412-99c7-e7d0b1258f08Have you ever filed an auto claim only to have your rates hiked by your automobile insurance carrier?&nbsp; What if your car insurance company allowed you to lock in your rates for as long as your policy was in force, with a guarantee that your pric...Mon, 26 Sep 2011 15:48:57 -0500<p style="margin: 0in 0in 10pt;">Have you ever filed an auto claim only to have your rates hiked by your automobile insurance carrier?&nbsp; </p> <p style="margin: 0in 0in 10pt;">What if your car insurance company allowed you to lock in your rates for as long as your policy was in force, with a guarantee that your price would change only if you add or remove a vehicle, change drivers on your plan or change your address.</p> <p style="margin: 0in 0in 10pt;">Sounds too good to be true, right?&nbsp; Fortunately it is true.&nbsp; Erie Insurance offers Rate Lock, where your premium will not change until you add or remove a vehicle or driver, or change your primary residence. Rate Lock protects you from increases due to accidents and also from inflationary increases that often come at renewal time.</p> <p style="margin: 0in 0in 10pt;">In this economy, where your gas, milk and most everything else is going up in price, wouldn't it be nice to know that one cost will remain constant until you change vehicles, drivers or your address? </p> <p style="margin: 0in 0in 10pt;">If you are budget-minded, on a fixed income or want some stability in this ever-changing world give us a call and we will be happy to further discuss this option to you!<br /> <br /> <br /> <span style="font-size: 10px;">Not all endorsements are available in all territories.&nbsp; Ask us if you can benefit from this endorsement?</span></p>urn:uuid:e2c99e47-f6f7-4fe7-8584-47f149078fbeMany people consult an insurance agent or broker for their car insurance needs, and for good reason: agents can help you navigate the complicated world of insurance and help you get the best deal. But did you know that there are different kinds of in...Tue, 20 Sep 2011 16:20:58 -0500<p>Many people consult an insurance agent or broker for their car insurance needs, and for good reason: agents can help you navigate the complicated world of insurance and help you get the best deal.</p> <p>But did you know that there are different kinds of insurance agents and brokers &mdash; and the one you choose can make a big difference in the type of service you get and the choices you're offered? Here's the difference:</p> <p><strong>Captive agents</strong> represent just one insurance company. As part of their business agreement, they offer only that company's products, services, and coverages.</p> <p><strong>Independent agents and brokers</strong> offer products from different companies. Often, they can offer more choices and savings because they can review multiple options to find the right mix of companies, coverages, and rates for you.</p> <p>Because they represent many different insurance companies, independent agents can allow you to shop around with competing carriers and get you the best deal. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.</p> <p>Another plus to working with an independent agent or broker is their ability to offer guidance for all your insurance needs. In some cases, bundling your car, home, motorcycle, boat, and/or RV policies together can save you big bucks. Leading insurers offers multi vehicle / multi policy discounts, so don't leave out any of your cars or other "toys" when getting your insurance quote.</p> <p>To learn more, talk to your local independent insurance agent. </p>urn:uuid:17c02aac-f645-4e6e-a9e3-8b85c23b1bd6Do you have auto or homeowners insurance?&nbsp; What about insurance on your boat or RV?&nbsp; If you have insurance on any of the items above, or any other property that you own, you are insuring that property even though you hope you never have to ...Thu, 15 Sep 2011 15:36:52 -0500<p><span style="font-size: 13px;">Do you have auto or homeowners insurance?&nbsp; What about insurance on your boat or RV?&nbsp; If you have insurance on any of the items above, or any other property that you own, you are insuring that property even though you hope you never have to use the insurance to replace that item.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Do you have life insurance?&nbsp; I hope, and your entire family hopes, that you live to a ripe old age, and when it's time you pass on peacefully in your sleep. &nbsp;&nbsp;</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">However, we also know that some of us will pass on too soon.&nbsp;&nbsp; When this happens income may be lost while debts remain.&nbsp;&nbsp; Spouses, children, businesses may suffer and dreams may be unfulfilled.&nbsp; This is where life insurance can help.&nbsp; Life insurance is for your loved ones.&nbsp; Life insurance can provide survivors with income and a legacy to help fulfill dreams.&nbsp; Although life insurance may not fill the emotional void, it can help ease the financial loss.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Life insurance comes in many shapes and sizes.&nbsp; Term products are available for 10, 15, 20, and 30 years, and you can have a guaranteed rate of coverage and premium for the specified term.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Whole life is a product that you pay for throughout your whole life, the face amount stays the same as does the premium.&nbsp; This type of policy builds cash value, and you can take loans against it.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Universal life can have flexible premiums, and can be used as retirement or growth funds as well as life insurance.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Annuities, with both qualified and nonqualified funds, can be used to grow your retirement nest egg that you can use as an income stream when you get older, or it can be left to your beneficiary.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Whatever your goal, dream, or need, life insurance is an important part of your life and estate planning.</span></p> <p><span style="font-size: 13px;"></span></p> <p><span style="font-size: 13px;">Ask us how we can help you.</span></p>urn:uuid:c1381f61-8fec-4893-808f-489f58963765Bronson Insurance Services, LLC is pleased to announce that Andrei Junge has joined the agency as an insurance agent and will continue the agency focus on Auto, Home, Business, Life Insurance and Annuities.&nbsp; Andrei is also an investment advisor ...Fri, 09 Sep 2011 13:02:59 -0500Bronson Insurance Services, LLC is pleased to announce that Andrei Junge has joined the agency as an insurance agent and will continue the agency focus on Auto, Home, Business, Life Insurance and Annuities.&nbsp; Andrei is also an investment advisor and helps clients achieve financial freedom with retirement and college planning, wealth management, group benefit, small business and other financial solutions.&nbsp; Prior to entering the insurance and financial world Andrei served as a public, private and corporate attorney.&nbsp; Andrei&rsquo;s goal is to become a lifetime financial resource for his clients and to help them attain asset protection and financial freedom.<br /> <br />urn:uuid:909b974b-3904-461a-9567-07b764e3c222Earthquakes happen everyday, the question is, did you feel it or did it cause any damage? Click on the link below to look at a map of recent earthquakes from United States Geological Service. http://neic.usgs.gov/neis/qed/ Most insurance products e...Fri, 09 Sep 2011 12:40:28 -0500Earthquakes happen everyday, the question is, did you feel it or did it cause any damage?<br /> Click on the link below to look at a map of recent earthquakes from United States Geological Service.<br /> <br /> <a href="http://neic.usgs.gov/neis/qed/" target="_top">http://neic.usgs.gov/neis/qed/</a><br /> <br /> Most insurance products exclude earthquake damage. <br /> The exclusion would look like this: <br /> by earth movement, due to natural or manmade<br /> events, meaning earthquake, including land shock<br /> waves, or tremors before, during, or after a volcanic<br /> eruption, mine subsidence, sinkhole, landslide,<br /> mudslide, mud flow, earth sinking, rising, or shifting.<br /> Direct loss by fire, explosion, sonic boom, theft or<br /> breakage of glass resulting from earth movement,<br /> mine subsidence, sinkhole, landslide, mudslide, mud<br /> flow, earth sinking, rising or shifting is covered.<br /> The insurance company will allow you to buy&nbsp;earthquake coverage&nbsp;for additional premium.&nbsp; Unlike the set dollar value deductible on your insurance policy (i.e. $1000), earthquakes riders will have a deductible of a percentage of the value of the building. (i.e. 1% 5%)<br /> <br /> The last earthquake to be centered in Wisconsin struck just south of Milwaukee on May 6, 1947 and caused only minor damage. <br /> So when will the next earthquake strike Wisconsin?<br /> Is protecting your home or business from an earthquake worth the premium to you?&nbsp; Would you like to know how much this coverage would cost you? Give us a call, we will be happy to talk over the options with you!<br /> <br />urn:uuid:18030896-8032-43c4-8d49-5ce4c7b21269With our new website, we are creating an agency Blog, "ASK YOUR AGENT"&nbsp; if you have a question about coverages, payment plans, discounts, insurance companies, we will do our best to answer your questions on this blog. For starters, let's talk ...Wed, 27 Apr 2011 10:55:56 -0500With our new website, we are creating an agency Blog, "ASK YOUR AGENT"&nbsp; if you have a question about coverages, payment plans, discounts, insurance companies, we will do our best to answer your questions on this blog.<br /> <br /> <br /> For starters, let's talk about the weather today.&nbsp; It is springtime and it is raining.&nbsp; Do you have sewer drain backup coverage on your homeowners insurance policy?&nbsp; Do you have a flood policy?&nbsp; Are these coverages the same? What do they cover?<br /> <br /> No homeowners policy offers flood coverage.&nbsp; Flood insurance is underwritten by the National Flood Insurance Pprogram (NFIP), a branch of FEMA.&nbsp; If I policy can be written through the National Flood Insurance Program, or many private carriers.&nbsp; The cost of flood insurance is set by the national flood insurance program and the same coverage and same deductible is the same price no matter who offers you the coverage.&nbsp; Flood insurance, is by its name for flood!&nbsp; Surface water that enters your building, creating flood water damage.<br /> <br /> Sewer and drain backup coverage, is for the back of the sewage, and water&nbsp;from the city sewer systems, or&nbsp;SUMP pump failure,&nbsp;resulting in the&nbsp;water backing up into your basement, these types of loss&nbsp;are covered by an endorsement on your homeowners insurance policy.&nbsp; For most insurance companies this is an optional coverage!&nbsp;&nbsp;<br /> <br /> What other questions do you have?&nbsp;