Out of This World Discovery Made by Alien Hunters! It’s Not What You Think!

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Out of This World Discovery Made by Alien Hunters! It’s Not What You Think!

Josh S anders, a 31 year-old resident of Los Angeles, and Marie Miller, a 29 year-old resident of Brentwood have been working as amateur alien hunters for the past five years. Their efforts to find proof that life on other planets or even the galaxy has turned up empty. That was until a recent trip in July.

S anders and Miller received a lead that there was possible proof that aliens existed somewhere along the beautiful and scenic Pacific Coast Highway. Packing up their car with tons of clothing, recording equipment, and top secret alien hunting gear, the alien hunters set out to see what proof they could find.

After several hours of driving, the duo encountered what appeared to be a r andom burst of light came out of a densely wooded area. S anders and Miller pulled the car to the side of the road and started to explore.

The dynamic duo is unsure what happened during that search or if aliens were ever found. Even to this day, they claim to have no memory of what happened.

Arriving back at their car several hours after leaving to explore the area, Miller immediately started showing signs of an odd looking rash. The rash appeared to be spreading over her back, legs, and arms. It even appeared that the rash was starting to spread out in some oddly shaped pattern that has never been seen before. Unable to account for what happened during that time, the duo immediately assumed the worst – the rash was a symptom of a rare alien based disease.

If this were the result of some r andom alien disease, it would explain why the duo could not remember a huge chunk of time.

The rash became so itchy and bothersome that S anders took Miller to the hospital. After running several tests, it was determined that a rare alien disease was not discovered. The discovery was that Miller apparently had a severe allergy to oak tree leaves.

While it may not have been the discovery the alien hunting duo was looking for, it can be helpful to them in the future. The couple credits this r andom discovery of oak wood allergies to the fact that Miller was able to obtain cost-effective health insurance.

If she had not happened to have the health insurance policy in place, she would have chosen to treat it at home and would never know just how dangerous oak wood leave could be. The alien hunting duo is even planning on listing health insurance as a requirement for future alien hunters, as you never know what health problems you may run into when hunting for aliens.

The alien hunting duo is not letting this near miss get them down. There are too many unanswered questions, such as what happened during that time in the woods, what caused the white light, and why did the rash appear in a shape of a pattern. These questions and much more will be explored by the alien hunting team in the future. Of course, both will be protected by health insurance in case something should happen again.

Don’t Touch That Butterfly

When I ended my last post we were discussing some of the weird facts about the state of California. We discussed the riparian brush rabbit in some depth. We even had the opportunity to talk about my favorite subject, the covert activity of one brush fire b andit. I am sure the authorities are all over that by now. Your days are numbered buddy.

It never ceases to amaze me how a blog about insurance can be so topically broad and yet still have impact. There are multitudinous topics that have both humor and depth, that need to be explored. Okay, everyone needs insurance. Honestly everyone is Los Angeles needs to be doubly insured. With that being said, who wants to read 500 words or more of me telling you how important it is to be insured? I didn’t think so. You do, however need to be reminded; at least at some subliminal level that insurance is important. Consider yourself reminded.

Normally, I am all over the place when it comes to making these posts, but today, I am thinking I have some subject matter that may take up the majority of my time with you. Did you know that in Pacific Grove thare is a law on the books that imposes a $500 fine for “molesting a butterfly” (their terminology, not mine)? That’s right; you can literally be fined $500 for physically harassing a butterfly. Help me underst and this. For those that actually like to allow butterflies to light on their h and or finger, you could be coughing up $500. You guys in Pacific Grove are taking your butterflies a little too serious for me.

Personally, the law would never directly impact me because I am not one to play with insects. As far as I’m concerned, we live in two different worlds; they don’t bother me and I will definitely not bother them. However, I know everyone is not like me.

I wonder what happened to make putting that law on the books necessary. I am sure that they were not up there just sitting around looking for laws to put on the books and someone said, hey, let’s charge people $500 for touching butterflies. Then again, who knows? Fines are a town’s number one revenue generator. The local people would know better, but someone from a place like Pacific Palisades will probably not be aware of the law and end up on the wrong end of a citation pad.

Alright, let’s take some time to wrap our heads around this for a minute. There is all kinds of violence going on (making health and life insurance very necessary) in the state, and this town is so bored that they literal post a law to their books that charges a person five big ones for touching a butterfly, you got to be kidding me.

I am actually thinking about contacting the mayor’s office in Pacific Grove and getting an official statement on what prompted the writing of that law. What kind of people do they have down there that makes them feel the need to protect the butterfly to such an extent? Right when I think I have California figured out.

So Not True

You know it can be easy to pigeonhole people. People tend to stereotype other people, it is a natural tendency. This is not something that humans like to admit about themselves, but that doesn’t change the fact that it’s true. I used to have this impression of people in California, especially those people who lived in Los Angeles and the surrounding areas. Movies, magazines, and TV commercials portrayed Californians as stuck up and unapproachable. How many people know that I should not have allowed the media to influence my impression on anything?

Well, here I am with this notion of all these stuck up people. I mean, who else but stuck up people could live in towns with names like Brentwood Hills and Pacific Palisades, except stuck up people. Needless to say, my first trip (as an adult) to Los Angeles was quite interesting. I got off the plane with an attitude. Who do these people think they are? In Texas, what we call uppity people really chap our hides. That means stuck up people draw our ire. So, I am in Los Angeles giving everybody, including the cab driver, attitude.

After a while of engaging people I realized, hey, these are some pretty cool and laid back people. Are there some people that are walking around believing that the world revolves around them? Yes, but there are narcissists in every geographical location. Here I am eyeballing and mean mugging (looking angry) everyone, with no cause. I learned a valuable lesson that day. I learned that everyone deserves a chance to express who they are as a person before someone develops an opinion about them. I can’t imagine what the people that I encountered on that day was thinking about me, but it could not have been too good.

There is one thing that the media was not off on when it comes to Los Angeles, and that is its shopping and fashion influence. You can spend a lot of money very fast in LA. I know that I have. You can buy clothes, jewelry, art and so much more. This is where we talk about insurance real quick. How many know that when you buy nice things there are people who are motivated to relieve you of those nice things without remuneration? With all of the multitudinous trips that I have take to California, I have had several occasions in which some rather expensive items came up missing out of my room. When I notified the hotel manager of the incident and the cost involved, he had me file a formal complaint and in a reasonable time, I was reimbursed for my loss. The thing is the hotel did not have to pay me out of their own pockets (yes, I know that the hotel does not have pockets, work with me here), but they filed a claim on my behalf with their insurance company. It is important to have insurance that can cover all of the contingencies in which you are at risk for loss.

As far as the person who took my property, shame on you. Every time that I am in Los Angeles, I think about looking you up. One day my friend, one day.

Why Me?

The title says it all. At some point in our lives, we all ask ourselves that question, “Why me?” If you are like me, your mother answered your question with a question, “Why not you?” Why is it that parents always taught us not to answer a question with a question, but answered 90 percent of our questions with one? That is just a thought that ran across my mind. You will find that I do that a lot. Don’t worry, I checked, and the doctor says it normal. The difference is, with me I am just more open with mine.

So, I have been pondering a simple, somewhat insignificant question in the scope of things. Now considering the fact that this article is tied the topic of insurance and this thought that is running through my mind has nothing really to do with insurance, this may become quite an interesting endeavor. The question I have is, “Do all Californians eat Tofu? I told you that my thought processes can venture some time, and since you are reading this article it is important to underst and that you have to be able to shift gears quick.

Back to the Tofu question, there are many that believe that there are a lot of body conscious people in California, especially in places such as Los Angeles, Beverly Hills, Malibu and Santa Monica. They believe that Tofu is the order of the day for these image centered individuals. I have been involved the health and fitness arena for more than twenty years, and I have to tell you that I am not a fan of Tofu in the slightest. I don’t even discuss the topic, that is, until I met this one Californian who decided to initiate his conversation with me by setting the record straight on Tofu. He looks at me and says, “You know that all people from California don’t eat Tofu, right? Sitting there scratching my head, I’m thinking, “They may not all eat Tofu, but there are some more serious issues that concern me about people from California right now.

He begins to go on about how people in Southern California people are quite decadent, eating burritos from the nearest taco shop (really? did he just use the word decadent, to describe a burrito of all things?). Okay, I’m thinking to myself, this guy has some serious issues with Tofu.

Then my psychology background begins to emerge and insert itself into the moment. I am sitting there listening and analyzing every word this man speaks. I decided to ask him about his childhood and the issues he faced as a child growing up. If you think this put the man on edge or in any way upset him, not even close. He positioned himself to be more comfortable and he begins to unleash. By this time my mind is wondering again. Now I’m thinking I wonder if this guy has health insurance. You may be wondering why that matters. It matters because I am serious thinking about billing this guy for taking up so much of my time. I know, I will sell him some health insurance and then I will bill him for the counseling session. As I sat there listening, all I could think was, “Why me?” Sorry mom!

Well, I guess the whole Tofu question will have to wait until another time.

3 Uplifting Stories About Insurance Agents

Teen Driver Behind The Wheel? An Insurance Agent Tells You Why Full Car Insurance Is Essential

I suppose it happens to every parent. Their teen becomes old enough to drive. Yikes! The moment I saw her jump behind the wheel of our vehicle and back into the house planter while scaring the dog biscuits out of Miss Daisy, the neighbor’s pet Doberman, I knew it was time to get in touch with my insurance agent.

I wanted to make sure we had the most comprehensive auto insurance to protect my family and other drivers on the road in our Brentwood, Southern California, neighborhood. Our agent is great. Not only did he make sure we had collision and liability insurance, but he explained how important it was to have uninsured motorist bodily injury and uninsured motorist property damage insurance. I never even heard of this coverage before.

According to the California Department of Insurance, uninsured motorist bodily injury and uninsured motorist property damage coverage protects my family when injured and my vehicle when damaged by a driver who doesn’t have insurance.

The next time my daughter asks for the car keys to meet her friends at Topanga State Park, I won’t hesitate to let her go. Thanks to my insurance agent, I am more at ease when my daughter gets into the driver’s seat.

An Insurance Agent Who Treats New Homeowners With Respect

I am now a homeowner of a small bungalow in Brentwood Glen. I’ve been doing the happy dance for the past six days as I moved my things from my cold, wet New Engl and home and rode out to sunny California. As I sashayed my boxes up to the house, I almost did a head-slap moment. Or rather, a dead branch from the juniper tree bounced off my roof shingles and hit the grass only feet away, causing little damage to my new home.

Homeowner’s insurance. I forgot to get homeowner’s insurance.

Yeah, it wasn’t the brightest moment in my life. I definitely felt like putting on my “I’m with Stupid” tee shirt with the arrow pointing up at me. But at least I figured it out before something serious happened to my home. Being new to California, I wanted to make sure I had the right residential insurance, as stated by the California Department of Insurance. The agent I found explained the entire policy to me while indicating what would be best to get, such as earthquake coverage, which I never had to deal with for my New Engl and home. Despite my boneheaded moments, the insurance agent treated me with respect and underst anding. I am so glad to have met him.

My Superhero Insurance Agent Saved The Day

I feel like marrying my insurance agent. At the very least, I want to make her a superhero costume with large “IA” letters stenciled on the front, because she sure saved the day for me.

My ex-spouse didn’t inform me when she canceled the insurance policy on my car. I received a suspension notice from the California Department of Motor Vehicles about how they didn’t receive a replacement policy in the specified 45-day period, as explained on the California Department of Motor Vehicles website.

I contacted my insurance agent immediately and explained the situation. She worked fast to get everything squared away with my insurance policy and make sure I submitted the right reinstatement forms and fees so that I won’t be driving illegally. Now, I have my up-to-date vehicle registration with the required insurance policy.

I’ll never leave my superhero agent. Boy, they are really there at all hours when you need them.

Stories like these are the stories that we strive for at Susman Insurance Agency.  Let us earn your business and become your superhero!

Karl Susman

Should You Use an Insurance Agent or Broker?

The options when you are shopping for insurance can seem overwhelming. Do you want a captive agent or an independent broker? What is the difference? While one option may seem equal to another, the coverage you get and the price you pay can wind up being quite different depending on the path you take. Lets look at the two major options when you are shopping for insurance:

In many ways, insurance agents and independent insurance brokers are similar to one another. Both are required to be licensed in the state where they work. Neither position requires special education or degrees  and although most brokers and agents will take classes to increase their level of knowledge. Both insurance agents and independent brokers can help you assess your personal insurance needs to help you find a policy with the right benefits. Both put together insurance policies and help people settle claims. Both typically work on a commission basis. However, there are significant differences between the two, as well.

Insurance agents works for an insurance company. Their primary allegiance is to that company, rather than to you, the buyer. This is particularly true for a captive agent, also known as an exclusive agent, think State Farm or Allstate.  A captive insurance agent works exclusively for one insurer. In return, they receive benefits from that company like health and life insurance, paid vacation, an allowance to cover their office costs, and other benefits. They are almost always not allowed to sell insurance policies from other companies. This means they can only offer you policies that are available from the insurer they work for. If the insurer they represent does not have a policy that fits your needs, they are usually not allowed to refer you to someone who can help. If the need to make a claim against your insurance policy ever arises, you insurance agent merely acts as a liaison between you and the insurance company.

By contrast, an insurance broker works directly for the buyer. A broker is an independent agent who can work on your behalf to get the best coverage. They can work with a range of different types of insurance products, or choose to specialize in a single one, such as life insurance or home owners insurance. Independent brokers are not contractually bound to offer just one insurance company’s products. They are able to sell insurance policies from many different companies, which means that they are often able to get you the best deal for your personal situation. If you need a type of insurance policy that is outside the range of what they offer, they are in a position to refer you to another broker who can sell you the policy you need.

If you ever need to make a claim, an independent insurance broker is in a position to be of more help to you. In addition to preparing claim forms for you, they are able to advocate on your behalf. While not all insurance brokers offer this service, it is one they are in a far better position to provide.

When comparing your options for purchasing an insurance policy, it just makes sense to pick someone who, by definition, works for you and is on your side. Adequate insurance and successful claims can sometimes make the difference between a quick recovery from an incident and suffering serious financial problems after the fact. Pick the person who can sell you the product that is best for you and who can advocate for your interests to help ensure your best peace of mind.

Pick a fully independent insurance broker that works for you, say, like us, at Susman Insurance Agency!

Karl Susman