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On 2/21/1983 Bonnie was on her way to go to a college class. Bonnie’s first car was hit by a dump truck in Youngwood, Pennsylvania in 1983. The dump truck ran a red light and T-Boned her 1983 Plymouth Horizon on the passenger side. The guy who hit me was DRUNK! He actually killed someone after he hurt me. I wish he would have gotten help. They didn't have programs back then like they do now. I am grateful I was strong enough to survive. I am grateful to my Mother who had good insurance. I was in the hospital for 3 weeks. The medical costs were paid by the insurance. I believe that secured my future ability to live, work & earn an income. I was only 20. If I didn't have insurance and a lawyer, we would probably still be paying back all the costs that were involved.
My goal in telling you this is that I am on a mission to help you do the same thing my Mom did for me. Do you need cheaper insurance? Do you have the proper insurance to prevent your assets from being taken away from you, if you are at-fault in an accident like the guy that hit me?
We live in a litigious climate. If you cause an accident, there is a 96% chance you would get sued. How many jobs will you need to cover those costs? You don't have to worry about that with a good insurance plan. I was taught to Pay it forward.
Thank you Lord for Protecting me and granting me the ability to live to help others, even truckers.
Jim and Bonnie Grant met in 1996 and married in 1999 in Houston, TX. Jim was a Automobile Claims Adjuster for Progressive Insurance. In 2003, Jim was recruited to become the State Claims Property Manager for Farmers Insurance for the Southern Region of Arizona. He managed a large team of Claims Adjusters in the Homeowner Division. They packed up and moved to Mesa, AZ! The good thing about his experience is that Jim can help you in your time of need. Most Insurance Agents don't know what to do or take the time to help you. They only want to sell you.
While in Arizona, Bonnie began her career as a Mortgage Lender with Wells Fargo Home Mortgage in Apache Junction, AZ. Jim got promoted to become the State Claims Manager for Farmers Insurance for the whole state of Nevada. So they both moved to NV in 2006. Bonnie remained with Wells Fargo Home Mortgage.
When the housing crash hit in 2009, Bonnie had to find another career. As you see below, Bonnie’s first experience with auto insurance was when she was involved in a major accident with a dump truck in Youngwood, Pennsylvania in 1983. The dump truck ran a red light and T-Boned her on the passenger side of her brand new car--her first car. My life story IS Survival. I was in the Westmoreland Hospital for 3 weeks and 2 hours. I sustained a concussion, multiple spinal fractures and my right arm sustained compound fractures. If I wasn't a body builder back then, I don't know that I could have made it through that. One of the bad things that happened. Now that it is 38 years later, I am healthy today. I had great doctors and nurses to helop me succeed. Thank you.
The lifetime injuries gave me an idea in 2009. I got an AHA moment and figured I could use the auto accident experience to help others. I became an Insurance Agent to make sure others had good insurance that gave me the ability to survive, just like I did and still do.
My goal is to help as many people get good insurance so that they can have the same fate I did. Pictures are below.
It's clear. If my Mom didn't have the right car insurance with the right policy limits, I wouldn't be here today. Thank you Mom. I got the right doctors and hospital care that I needed. This accident could have ended my life and my financial future. I would never ever want anyone to be in a situation without good insurance. I got the care to earn a healthy income and have a healthy life. Do you have the right insurance? I don't know. Let's meet.
In 2009, Bonnie began as a captive agent with Farmers Insurance. The Agency was doing so well that Jim left the Farmers Insurance Claims Department and joined her in 2010. They loved being an Agent with Farmers but they felt like something was missing. They only had one product. They only had Farmers products. If our customers rates changed or their underwriting rules changed, they didn't have any other options for their customers. Actually one of the options they had was to lower the customer’s coverages. That was not fair to the customer because if an accident happened, they would have less coverage. A lot of times customers would cancel their life insurance policies because they couldn’t afford their car insurance. That wasn’t fair to anyone. They felt limited.
They learned that by becoming an Independent Agent, they could quote with more than one insurance carrier at a time. This gave the customer more options. If their rates changed, now they could just quote with another company. So they started a new agency. They called it All Risk Insurance Solutions, Inc.
Bonnie and Jim can now find more ways to better serve their customers. Now they are connected with 40+ different carriers—not just one! That really does deserve an exclamation point!
This opened up a whole new world, not only for them, but for their customers. Bonnie and Jim can bind and issue insurance for personal insurance, business insurance, life insurance, and Medicare products.
The definition of Insurance is risk. We want to provide solutions. We want to be your husband/wife insurance agent--just like the good 'ole days.
The definition of solutions is a means of solving a problem or dealing with a difficult situation. That is how we found the name. We have solutions to insure All Risks to protect what is yours and keep it that way. Insurance gets you back to where you started when a risk or accident occurs.
While at Farmers Insurance, Bonnie & Jim won many awards including the Blue Vase Award in 2009, the Topper Club 2011, 2015 and 2018 and the Championship Award in 2012 and 2014. Bonnie also earned the prestigious LUTCF Designation in Estate Planning. She believed that it is important to help everyone get their will and life insurance. She became a Fellow of the American College.
In our spare time, we love to take our ATV into the desert, play pool, watch movies, go on road trips, and hike in the mountains around our home. Unfortunately, Bonnie and Jim do not have kids because that truck hit her hard enough to not allow her. So they have always had fur babies as children. Our current dog is Mollie, A Cattle Dog, Bordie Collie that we saved from the pound.
