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Underinsured Millennials


At 83 million strong, Millennials are America’s largest generation yet as well as the most racially diverse and most educated. But when talking about insurance, the Millennial generation is woefully unprotected.


Industry studies reveal that young adults generally are not buying health, renters, auto and life insurance at the same rate as their parents. This perpetual status of being underinsured is a gamble that can lead to financial ruin.

They’re going without essential protection

A 2015 Gallup poll estimated that 12% of the US population lacks health insurance (even in the age of ObamaCare). However, that number more than doubles among the Millennials with about 25% of lacking health insurance.

Other findings about Millennials’ insurance coverage includes these surprisingly low numbers:

  • Only 64% have auto insurance
  • Only 12% have renters insurance
  • Only 36% have life insurance

Why aren’t Millennials buying insurance?

Economics:  Millennials are facing a changing and disrupted labor market, and when coupled with the burden of student loans, many Millennials simply don’t have the cash available to buy protection.

Mom and Dad: Millennials are relying heavily on Mom and Dad for their car and health insurance. The Affordable Care Act allows parents to list their children on their health coverage plans until they turn 26.

A risky choice

Simply put: Millennials driving, renting and living without insurance protection are putting themselves in positions that could result in the loss of their possessions and/or stifling new debt.

Consider this about car insurance:

  • If you drive a car and do not have auto insurance, you’re breaking the law.
  • If you’re at fault in a collision in which people are injured or killed, you are responsibly to pay for medical expenses.
  • If you’re at fault in a collision that damages someone’s property, you’ll have to pay for medical repair or replacement costs on your own.
  • You could be on the hook for tens of thousands of dollars, and in some states, jail time.

Consider this about renters insurance:

  • In the event of a fire, flood, tornado, etc., your landlord’s insurance policy won’t protect, repair or replace your personal possessions.
  • If a guest is injured while at your apartment and needs medical attention, again, you could be responsible for bills that result from a trip to the ER.

If you’re already cash-strapped, rolling the dice on being uninsured is a careless and potentially dangerous move. The key to finding affordable coverage is exploring your options.

No matter your budget, there may be a level of insurance protection that is just right for you.

We’ll be happy to talk with you about your level of risk and how to protect yourself.


Bob Munden

190 Sierra Ct. #A8

Palmdale, CA 93550



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Heat Stroke

Heat Stroke

Summer is here and as the temperature rise so does the risk for heat stroke. Heatstroke is caused by prolonged exposure to high temperatures or by doing physical activity in hot weather. You are considered to have heatstroke when your body temperature reaches 104 F (40 C) or higher.

Heatstroke symptoms include:

  • High body temperature. A body temperature of 104 F (40 C) or higher is the main sign of heatstroke.
  • A lack of sweating. In heatstroke brought on by hot weather, your skin will feel hot and dry to the touch. However, in heatstroke brought on by strenuous exercise, your skin may feel moist.
  • Nausea and vomiting. You may feel sick to your stomach or vomit.
  • Flushed skin. Your skin may turn red as your body temperature increases.
  • Rapid breathing. Your breathing may become rapid and shallow.
  • Racing heart rate. Your pulse may significantly increase because heat stress places a tremendous burden on your heart to help cool your body.
  • Headache. You may experience a throbbing headache.
  • Confusion. You may have seizures, hallucinate, or have difficulty speaking or understanding what others are saying.
  • Unconsciousness. You may pass out or fall into a state of deep unconsciousness (coma).
  • Muscle cramps or weakness. Your muscles may feel tender or cramped in the early stages of heatstroke, but may later go rigid or limp.

Heatstroke follows two less serious heat-related conditions:

  • Heat cramps. Heat cramps are caused by initial exposure to high temperatures or physical exertion. Signs and symptoms of heat cramps usually include excess sweating, fatigue, thirst and cramps, usually in the stomach, arms or legs. This condition is common in very hot weather or with moderate to heavy physical activity. You can usually treat heat cramps by drinking water or fluids containing electrolytes (Gatorade or other sports drinks), resting and getting to a cool spot, like a shaded or air-conditioned area.
  • Heat exhaustion. Heat exhaustion occurs when you don’t act on the signs and symptoms of heat cramps and your condition worsens. Signs and symptoms of heat exhaustion include a headache, dizziness or lightheadedness, nausea, skin that feels cool and moist, and muscle cramps. Often with heat exhaustion, you can treat the condition yourself by following the same measures used to treat heat cramps, such as drinking cool, nonalcoholic beverages, getting into an air-conditioned area or taking a cool shower. If your symptoms persist, seek medical attention immediately.

Those most susceptible (at risk) individuals to heat stroke include:

  • Infants
  • The elderly (often with associated heart diseases, lung diseases, kidney diseases, or who are taking medications that make them vulnerable to dehydration and heat strokes)
  • Athletes
  • Individuals who work outside and physically exert themselves under the sun

What to do in event of heat stroke:

If you think a person may be experiencing heatstroke, seek immediate medical help. Call 911 or your local emergency services number.

Take immediate action to cool the overheated person while waiting for emergency treatment.

  • Help the person move to a shaded location and remove excess clothing.
  • Place ice packs or cold, wet towels on the person’s head, neck, armpits and groin.
  • Mist the person with water while a fan is blowing on him or her.
  • If the person is able to drink liquids, have them drink cool water or other cool beverages that do not contain alcohol or caffeine. Soda contains 34 to 55 mg of caffeine so if you can, try to avoid it.

How can heat stroke be prevented? 

  • The most important measures to prevent heat strokes are to avoid becoming dehydrated and to avoid vigorous physical activities in hot and humid weather.
  • If you have to perform physical activities in hot weather, drink plenty of fluids (such as water and sports drinks), but avoid alcohol, and caffeine (including soft drinks and tea), which may lead to dehydration.
  • Your body will need replenishment of electrolytes (such as sodium) as well as fluids if you sweat excessively or perform vigorous activity in the sunlight for prolonged periods.
  • Take frequent breaks to hydrate yourself. Wear hats and light-colored, lightweight, loose clothes.
  • Keep cars locked when not in use and never, ever, leave infants, children or pets unattended in a locked car.

Driving in Wet Weather

thAs winter approaches we are going to experience driving in rainy conditions. When the roads get wet the water on the asphalt causes tires to lose their traction. Also the first rain of the season causes oils on the road to come to the surface which add to unsafe driving conditions. During the dry months, engine oil and grease build up on roads and when they mix with the water from a rainfall it makes the road extremely slippery. Continue rainfall eventually washes the oil away, but in the beginning it can be dangerous.

Rain also reduces a driver’s awareness; the ability to see clearly through the rain is more difficult. Headlights, windshield, and the reflections on the wet road will also decrease visibility. With this in mind extra care should be used to prevent skidding. While most people know to slow down, there are many other helpful tips to keep you safe.

Allow for more travel time: You should plan on driving slower when the roads are wet, but keep in mind that other people are also going to driving at a lesser speed than normal. Another thing to think about is the possibility that your normal route could be flooded or jammed. Allot time to make any necessary adjustments to your travel itinerary so that you are not rushed.

Brake earlier and use less force: This habit not only increases the stopping distance between you and the car in front, but also lets the driver behind you that you are slowing down. Make sure that you use your turn signals so that other drivers know what you are intending to do. Take turns at a slower speed to make sure you maintain control. Track the car ahead of you by letting them pave a clear path through the water and alerting you to any dangers. Also, give a truck or bus some extra distance. The tires are extra large and can create a large enough spray to block your vision completely.

Don’t us cruise control: When using cruise control drivers tend to be less attentive and normally take their foot away from the pedals. This can reduce a driver’s reaction time. Another factor is if your car does hydroplane, there is a possibility that the cruise control can accelerate causing more of a risk.

Use extra caution with puddles: If you see a large puddle, drive around it or choose a different route. Water splashing up into your car’s engine can cause damage to its internal electric system. Splashing water into your engine and attempting to cross running water can also cause your engine to stall or having your vehicle being pushed sideways, and forcing you to abandon your car. Also, a pothole can be hidden under the water which can damage a wheel or knock out your suspension system out of alignment. The best practice is if you can’t tell how deep the water is, try and avoid it. Another bit of advice, most roads are crowned in the middle, which causes the water to run down to the sides. If possible, try to drive more in the middle of the road to avoid large puddles. If you must drive through a puddle tap your brake pedal lightly to dry off some of the water on your rotors.

 Turn on your headlights: even if it is sprinkling lightly visibility is less. Turning on your headlights will help you see the road and help other drivers see you. Make sure that you do not use your high beams in the rain or fog, it will actually make your view more difficult because the falling water droplet with cause a reflection back at you.

Watch for pedestrians: Pedestrians can become distracted while trying to manage an umbrella or their rain coat. Raindrops tend to deaden sound, this means that the usual sounds that measure car distances can be obscured. If it is raining too hard for you to see the road ahead of you it is best to pull over to the side of the road until it lets up.

Hydroplaning happens: Hydroplaning is when the water in front of your tires builds up faster than what your car’s weight can push it away. This will cause your car to rise up on a layer of water that is between your tires and the road. If you start to hydroplane don’t slam onto your brakes or turn your wheel. This can cause you to spin into a skid. Release the gas slowly and steer straight until the car regains its traction. If you must brake, tap the brake gently, (if you have antilock brakes you can put your foot firmly on the brake, this system will automatically tap the brakes for you).

Check the condition of your tires and brakes: Check your brakes, tire pressure, and tire tread depth regularly. A tire that is worn or damaged will most likely hydroplane on wet roads.  Also a tire that is improperly inflated can cause your car to slide on wet roads. Brakes that are sticky, tend to grab, or are worn down this can reduce the effectiveness of your cars ability to stop or maintain traction.

Check your shock absorbers and front end alignment: Worn shock absorbers will cause our car to move around a lot. If your shock absorbers are bad your car will not follow the form of the roadway properly. Your car will feel unsteady and sometimes a little bouncy. This can great impair your control on wet roads. If your front end alignment is off it will cause your car to pull to one side while driving. Overcorrecting the pull can cause your car to skid.

Check your wipers: Check to see if your wipers are working properly and are in good condition. Brittle or damaged blades can cause a streaky windshield you can barely see out of. If you live in an area that has extreme weather and temperature conditions or somewhere that has excessive rain your blades can wear out faster. Some manufacturers recommend that you change your wiper blades twice a year, in the spring and in the fall; your blades will be ready if you get caught in a downpour.

Freezing rain and snow: Carry snow chains, a supply of salt, sand, or kitty litter (the non-clumping kind). If you are stuck and spinning your wheels on a patch of ice place, some of the above material around the tires to help gain some traction. Give the car as little gas as possible; stomping on the gas will only cause the traction material to fly away.

 Emergency Kit: Roadside emergencies can happen any time, and it doesn’t matter is your car is old or new. Common roadside problems range from running out of gas, getting a flat tire, to a mechanical breakdown. Best case scenario it is just the matter of time out of your day, but sometimes your safety can be an issue. Having a basic emergency kit in your car can increase your safety, get you back on the road faster, and help reduce your stress. A basic emergency kit should help you with simple problems, alert other drivers, and get you help if needed. Here are some helpful suggestions:

Cellular Phone-Make sure that the battery is fully charged and remember if you have to call 911 your location and phone number might not be available to the emergency operator. Give the operator your phone number and the best description of location. If you see a “no service” message on your phone try to walk to the side of the road for a better reception.

First-aid Kit-Choose a kit that can handle not only small cuts and burns, but also one that can handle a major gash. Make sure you know what everything is used for; some ointments are for burns only while others handle cuts and scrapes.

Fire Extinguisher-the cause of a car fire can be from an electrical shortage to leaking oil. If this happens you should get as far away from the fire as possible. If a small flame erupts a fire extinguisher can quickly put it out. Fire extinguisher come in a variety of sizes, there are even models that fit under the passenger seat. It is recommended carrying one that is labeled 1A10BC or 2A10BC.

Warning lights, hazard triangles, or flares-If your vehicle is stuck on the side of the road it is important that you let other drivers know, especially if it is dark. Buy battery operated warning lights that can be placed away from the vehicle so others know about you as soon as possible. Reflective hazard signs and flares are also effective and don’t need batteries.

Jack and Lug Wrench-Almost all vehicles come with these items, but it is best that you know where they are and how to use them. Refer to your owner’s manual for instructions and it wouldn’t hurt to use them once so you know exactly what to do. Being on a dark street is not a good time to try and figure them out.

Flashlight-This is critical if you break down at night. Pick one that is waterproof and is bright. A flashlight with a magnet or a mounting stand can free up your hands.

Pen and a pad of paper-Having a small pen and pad kit in your emergency kit can help you jot down information that you need or even leaving a note on your windshield.

Jumper cables- These are easy to use if you have a second car or a portable battery booster. Check your owner’s manual for instructions.


Grease Fires

Grease FireGrease fires happen when a collection of grease or oil on a stove, oven, or fryer come in contact with a lit flame or become hot enough to ignite. Grease fires are extremely dangerous because it is a liquid and can spread rapidly and is easily splashed. This can cause the fire to spread to cabinets, furniture, and other flammable areas of the kitchen.

 The best way to deal with a grease fire is to prevent it. The number one way to stop a grease fire is to stay by the stove or fryer at all times. The most serious fires have occurred when food is left to cook on its own. Some other helpful hints are:

 Heat oil slowly. If your cooking oil gets heated too fast it can easily become flammable and spread through your kitchen or cooking area.

 Keep things away from the oil that is being heated. Be careful not to have any liquids close to the pan. If water spills into a hot pan filled with grease it will immediately turn into steam. The steam will spew the hot grease into every direction. As the hot grease lands onto other items (dish towel, counter tops….) the fire can quickly become out of control.

 Deep Fryers can be dangerous. If you are using a deep fryer use extra caution when is come to cords that can be pulled or tangled by people and especially children walking around the area. Also make sure the fryer is not close to the edge of the counter where there is a greater risk that it can get tipped over.

 Don’t overfill your pot. To avoid over filling your fryer first put some cold oil into the pot, lower the food you wish to fry and then add more oil as needed. Once the oil is heated add foods carefully. Pat down food with a paper towel to make sure that the food isn’t holding any water. Lower the food gently with tongs, a long fork, or recommended frying devices. Never drop food into the fryer because they can cause the oil to splatter.

 Be prepared. Keep the lid to the pot nearby and make sure it fits properly. Watch out for glass lids, they can break from exposure to the extreme heat of an open flame. Once the lid is secure the flames will go out by themselves due to the lack of oxygen. Only after the lid is secure you should then turn off the flame. Don’t remove the lid until the pot is completely cooled, this can take up to 30 minutes. If the grease is still extremely hot it can reignite and splatter.  Also have oven mitts or thick pot holders nearby to prevent your hands from being burned.

 Smothering the flame. If you don’t have a lid handy a grease fire can be smothered with baking soda. Flour is not recommended to smother a grease fire because flour is potentially combustible. Using a wet towel can cause the pan to tip over and cause the fire to spread. You also have the risk of the towel itself catching on fire.

 If a fire starts in the oven, turn off the flame and keep the door closed. Make sure that the oven has cooled completely to prevent the chance of the fire reigniting. It is recommended to wait at least 1 hour because ovens tend to cool down slowly.

 Never pick up a pan that is on fire.  A pan that is engulfed in flames can spill and spread rapidly. Also you greatly increase the change of getting burned or catching your clothes on fire.

 Treat any burns only after the fire is out. You should have ointment that can treat minor burns handy, if your burns are severe go to the emergency room. If your clothes catch on fire remember STOP, DROP, AND ROLL.

 Call 911. You can always call and have the fire department go back to the station if you are able to put the fire out yourself.

 Have a fire extinguisher on hand. Both a Class B and a Class K are effective in putting out flammable liquids such as grease and oil, but remember that a fire extinguisher can potentially spread the flames of a grease fire as you try to put it out so be careful when you are using it.

Help Point Claim Services

Help Point Claim Services

Life has a funny way of creeping up on in unexpected ways, sometimes good and sometimes bad. As people living life is good to ready for the unexpected and at Bob Munden Insurance we help you do just that. Help Point Claim Service is to be there for you in a time crisis.

What if there was one number you could call, in the event that the unexpected occurs? One number, that gave you someone to turn to when you couldn’t think of anyone else that could make things better? What if there was one number that you can call at any time, especially following a crisis?

That’s HelpPoint® Claim Services. Most of us aren’t always calm and collected in a crisis situation. We know that and provide services to help you in your time of need. HelpPoint® Claim Services representatives have been specially trained to help you. From advising what to do in an accident, to providing the names and phone numbers of professionals that can help you out, they are ready to guide you in taking steps toward getting things back to normal.

We know that the unexpected doesn’t always occur between hours of business operation, which is why a representative is available to help you 24 hours a day, 7 days a week. Our HelpPoint® Claim Services is available in English at 1-800-435-7764, en Español 1-877-732-5266, and for the hearing impaired at 1-888-891-1660

We know that a fire, an accident, or a burglary can turn your world upside down. That’s why Farmers specially trained HelpPoint® Claim Services representatives guide you through the process of getting everything back to normal in the wake of shock that inevitably follows a crisis. With our HelpPoint® Claim Services, all you have to do is call 1-800-435-7764; en Español at 1-877-732-5266; or for hearing impaired 1-888-891-1660 and a representative will help you 24 hours a day, 7 days a week. Farmers gets you back where you belong. We’re here for you in your time of need.