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By bruners33618, Aug 1 2017 02:08PM

Bruner's Insurance on Car Insurance

Autonomous vehicles are revving up to hit the road, but some consumers still want to test the brakes.

Although recent history saw most car manufacturers shift toward autonomous vehicles, the latest J.D. Power 2017 U.S. Tech Choice Study found that all generations — except Millennials/Gen Y — are becoming more skeptical of self-driving technology. Compared with 2016, 11 percent more Gen Z consumers and 9 percent more Pre-Boomers say they "definitely would not" trust automated technology.

Researchers deducted, however, that car manufacturers and tech developers should view this as an opportunity rather than a setback. Consider that although Baby Boomers are the least comfortable with technologies that assume control of vehicle-operating functions, they represent a tiny segment of the consumer market, and are unlikely to impact the future of the car industry.

Related: Liability claims: Emerging technological influences to watch

At the other end of the spectrum, Gen Y and Gen Z are far more comfortable with a tech-infused car industry. It follows that companies making and catering to autonomous vehicles will need to focus on Millennials, currently the largest generation.

Continue reading...

Smart car detects danger

Features such as adaptive cruise control, automatic braking and blind-spot warning systems are still being mainstreamed. (Photo: Shutterstock)

You've got to crawl before you can walk

Humans are typically adverse to change, but we can adapt in incremental steps.

Cars evolved in a similar way. Now more cars come equipped with safety provisions like blind spot detection and smart headlights, and the industry isn't going backward. For instance, the next five years are expected to produce more agreements between automakers and government that will result in the widespread adoption of emergency braking — a foundation technology for autonomous driving.

Consumers also show growing interest in collision protection and driving assistance technology. Six of the top ten features that consumers were most interested in before learning the price come from these two categories.

Why do consumers fear autonomous vehicle tech failures but embrace driving assistance features?

"Automated driving is a new and complex concept for many consumers," said Kristin Kolodge, J.D. Power's executive director of driver interaction and human machine interface (HMI). "They’ll have to experience it firsthand to fully understand it."

Related: Is the insurance industry ready for self-driving boats?

Companies including Google and Apple are becoming more engaged in self-driving vehicles, while Uber continues to struggle with setbacks.

Continue reading...

Smart car with smart features

Many of the niche additions in smart cars do not attract consumers as much as collision protection and driving assistance-related technologies, according to The J.D. Power 2017 U.S. Tech Choice Study. (Photo: Shutterstock)

Less is more

Car manufacturers and technology developers would do well to remember that autonomous driving is about safety, not convenience. By focusing on ways to prevent human error, they will appeal to customers who are most attracted to the idea of autonomous vehicles.

The J.D. Power 2017 U.S. Tech Choice Study also found that consumers aren't as enthusiastic about niche convenience technologies. Collision protection and driving assistance-related technologies boast the highest pre-price interest, while features in the entertainment and connectivity, and comfort and convenience categories show the lowest pre-price interest.

Gen Z consumers, however, showed higher interest in niche conveniences:

Many are attracted to digital key technology.

A total of 40 percent indicated they definitely would like digital key technology on their next vehicle.

Fifty-eight percent are willing to pay $250 for it, compared with 28 percent of all consumers.

"As features like adaptive cruise control, automatic braking and blind-spot warning systems become mainstream," said Kolodge, "car buyers will gain more confidence in taking their hands off the steering wheel and allowing their vehicles to step in to prevent human error.”

By bruners33618, Aug 1 2017 02:02PM

Hurricane Preparation Tips - Bruner's Insurance Tampa, Florida

Listen for information and instructions on radio or television newscasts. If a hurricane watch is issued, you have 24-36 hours before the hurricane hits land. A hurricane warning means hurricane winds and storm tides are expected in a specific coastal area within 24 hours.

· Get together with family members to talk about what needs to be done. Make sure everyone knows where to meet and who to call, in case you are separated from one another.

· Secure your home. Close storm shutters. Secure outdoor objects or bring them indoors. Moor your boat if time permits.

· Gather several days supply of water and food for each family member. Water systems may become contaminated or damaged. Sterilize and fill the bathtub to ensure a supply of safe water.

· Make arrangements for pets. Pets may not be allowed into public shelters for health reasons.

· Avoid using the phone except for serious emergencies.

· Prepare to evacuate. Fuel your car. Review evacuation routes. If instructed, turn off utilities at the main valves.

Evacuate to an inland location if:

§ Local authorities announce an evacuation and you live in an evacuation zone.

§ You live in a mobile home or temporary structure - they are particularly hazardous during hurricanes.

§ You live on the coast, on a flood plain near a river or inland waterway.

§ You feel you are in danger.

· When authorities order an evacuation:

§ Leave immediately to avoid being marooned by flooded roads and fallen trees.

§ Follow evacuation routes announced by local officials via radio and television broadcasts.

§ Stay away from coastal areas, river banks and streams until potential flooding is past.

§ Tell others where you are going.

· If you are not required to evacuate, stay indoors during the hurricane and away from windows. Do not be fooled if there is a lull, it could be the eye of the storm, winds will pick up again. Listen to the radio or television for information.

By bruners33618, Aug 1 2017 01:56PM

Bruners Insurance writes Workers Compensation in Florida

Opioid Abuse & Workers Compensation By Patrick Edwards Area Vice President RPS Casualty The opioid epidemic impacting businesses across the country is a hot topic in the world of Workers’ Compensation. According to the Occupational Safety and Health Administration (OSHA), there were nearly three million non-fatal workplace injuries and illnesses reported by private employers in 2015. Some of the most prevalent work-related injuries are musculoskeletal, repetitive motion conditions, burns, and slip & fall cases, and both the U.S. government and private organizations have become concerned with the way patients are being treated for these injuries. Opioids are powerful pain relievers that include oxycodone, hydrocodone, and morphine. Prescriptions have drastically increased in recent years, with approximately 32% of work-related injuries now being treated with these drugs. In fact, in a recent year providers wrote nearly 250 million opioid prescriptions, mostly for chronic pain. Chronic pain is defined as pain that lasts more than three months or past the time of normal tissue healing; in Workers’ Compensation cases it is generally related to traumatic or chronic injury. The statistics are staggering: • Per capita the United States has one of the highest rates of opioid use in the world1 • There were more than 33,000 opioid-related deaths in 2015, the highest number on record2 • Overdose deaths from prescription opioids now exceed deaths from both heroin and cocaine combined3 • Drug overdoses, predominantly from opioids, now exceed car crashes as the leading cause of unintentional death3 Drug abuse has changed, and the prescription opioid epidemic—overprescribing, misuse, abuse and overdose— is impacting the workplace with serious risks to employees and substantial costs for employers. Many organizations are advocating for a shift in the way these powerful drugs are viewed and prescribed. Employers need to revisit drug-testing policies and scope of testing, and employee prescription drug use must be addressed as part of the Drug-Free Workplace Program. Education of employees, managers and supervisors will build awareness of these medications, and will help set expectations for employee responsibility should an employee be prescribed one of these drugs. Employers committed to safe and healthy workplaces have a responsibility to address the opioid epidemic and can do so with strong employee policies, alliances with Health and Workers’ Compensation plan providers, education, expanded drug-free workplace testing and access to treatment programs.

1IMS Health, National Prescription Audit (NPATM) 2Centers for Disease Control 3Prescription Drug Abuse: Strategies to Stop the Epidemic, Trust for Americas Health 2013

By bruners33618, Jul 10 2017 05:07PM

With hurricane season upon us, you may want to get familiar with some terms used in your homeowner insurance plan.

Here are some basic terminology used in a Homeowners insurance plan.

Act of God

An accident or event resulting from natural causes, without human intervention or agency, and one that could not have been prevented by reasonable foresight or care—for example, flood, lightning, tornado, earthquake, or a storm.

Actual Cash Value

In property damage insurance, one of several possible methods of establishing the value of insured property to determine the amount the insurer will pay in the event of loss. ACV is the cost to replace damaged property with materials of like kind and quality with deduction for depreciation. The rate of depreciation will vary by item and age.

Additional Living Expense

ALE coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured’s normal expenses prior to the loss. For example, ALE insurance would cover an insured’s hotel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.


The person who investigates and settles insurance claims. This involves investigating the loss and determining the extent of coverage.

All Other Peril Deductible (AOP)

A set amount owed by a policyholder for any peril covered under the policy except for damage caused by a Hurricane.

A.M. Best Rating

One of several financial ratings organizations that evaluates life, property, and casualty insurers domiciled in the United States and U.S. branches of foreign property insurer groups active in the United States. The ratings are often used to determine the claims-paying ability, suitability, service record, and financial stability of insurance companies.


The Building Code Effectiveness Grading Schedule (BCEGS®) assesses the building codes in effect in a particular community and how the community enforces its building codes, with special emphasis on mitigation of losses from natural hazards.


A legal agreement issued by either an agent or an insurer to provide temporary evidence of insurance until a policy can be issued. Binders should contain definite time limits, should be in writing, and should clearly designate the insurer with which the risk is bound. They should also indicate the amount of insurance, the type of policy, and (in the case of property insurance) the perils insured against.

CLUE Report (Comprehensive Loss Underwriting Exchange)

CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report includes reported losses for the policyholder and/or the risk as well as the loss amount, date of loss and prior carrier information.

Declarations Page

The front page (or pages) of a policy that specifies the named insured, address, policy period, location of premises, policy limits, and other key information that varies from insured to insured. The declarations page is also known as the information page. Often informally referred to as the “dec” or “dec page.”

Demotech Rating

One of several financial ratings organizations that evaluates life, property, and casualty insurers domiciled in the United States and U.S. branches of foreign property insurer groups active in the United States. The ratings are often used to determine the claims-paying ability, suitability, service record, and financial stability of insurance companies.


An amendment or addition to an existing insurance contract which changes the terms or scope of the original policy. Examples of endorsements could be: name changes, coverage amount changes, deductible amount changes or the addition or deletion of policy credits.

Hurricane Deductible

Applies to a wind/hail claim caused by a named hurricane. The hurricane deductible is effective once a hurricane watch or warning is posted by the National Hurricane Center.

Liability Coverage

The personal liability portion of your homeowners insurance policy covers you against lawsuits for injury or property damage that you or your family members cause to other people. Common types of liability claims are pets/dog bites, slip, fall or trips by guests as well as contractors/workers that are injured on your property. It is important that any contractor you hire to perform work on your property (landscaping included) are properly licensed and insured. The liability coverage in your standard homeowners policy pays both for the cost of defending you and for any damages a court rules you must pay.

Ordinance or Law Coverage

Coverage for loss caused by enforcement of ordinances or laws regulating construction and repair of damaged buildings. This coverage covers the increased costs of bringing a home to building code after a loss. It also covers the cost os demolition if required, and to rebuild portions of your home that were not damaged. Building code departments may not issue a permit to repair the covered damage until all areas not to code are addressed properly. Standard homeowners policies include a provision granting a limited amount of building ordinance coverage; this amount can be increased by endorsement. Also referred to as building ordinance coverage.


Insurance purchased by an insurance company from one or more other insurance companies (the “reinsurer”) directly or through a broker as a means of risk management. The reinsurer would pay a share of the claims incurred for event coverage.

Replacement Cost

The cost to replace damaged property with materials of like kind and quality, without any deduction for depreciation. The damaged property will be replaced at today’s cost.

Windstorm Mitigation

A home inspection that checks for construction features that are shown to reduce loss from heavy winds during hurricanes.

Contact Bruner's Insurance today - (813) 935-3500

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By bruners33618, Jul 10 2017 04:55PM


Cybersecurity is crucial to identity protection, and as the identity protection company, we at Legal Shred want to remind our customers to engage in safe online practices, in addition to protecting themselves offline.

The Internet is a wonderful tool; research is right at our fingertips. We can enroll in distance learning classes. We can engage with family and friends through social media. We can shop, listen to music, and pay our bills. As amazing as the Internet is, it’s important to safeguard our personal information while we are online. Here are some tips and tools that focus on the importance of cybersecurity and staying safe online.


The increased use of social media means more opportunities to steal identities or perpetrate fraud online, and there are a number of ways criminals can use this platform to wreak havoc on users. When using social media, never share social security numbers and be sure to change your passwords frequently. Don’t publicly share your birth date, hometown, or place of business, and definitely don’t store credit card information for third-party app purchases. Also, beware of who you accept as a friend online. Cyber criminals often create fake profiles to befriend you. The ultimate goal is to get you to leak confidential data to them, either about you or the company you work for.


Online identity protection requires a lot diligence, but it is not impossible. Create passwords which are long, unique, and use a mix of random numbers and lower and upper case letters. When shopping online, always verify the retailer’s security certificate and that you are indeed shopping on a secure site. A computer that isn’t protected by full-fledged security software is more likely to be compromised by malware. When that happens, all data entered into or transmitted from that computer is at risk, including all forms of personally identifiable information, credit-card numbers and bank accounts. Always look for the HTTPS lock symbol in your browser address window when performing an online purchase.


Get protection for your connection! Do a bit of research and choose an antivirus you trust.

Paid is better than free. Antivirus is still very necessary, so don’t skip it.


Anyone who exchanges sensitive information, whether it’s digital or analog, should invest in a security plan that includes hard drive destruction, data destruction, and document shredding.

Legal Shred can help businesses and consumers properly destroy both digital and paper data to mitigate identity theft and non-compliance. We offer hard drive destruction, electronics recycling, and document shredding to ensure the safety of your business and its data. After your material has been destroyed, we send a certificate of destruction so you know that your data is no longer usable.

Contact Bruner's Insurance today - (813) 935-3500

Visit our site for more information -

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