My Blog

  If you’re like most classic car enthusiasts, your vehicle is more than just transportation—it’s a legacy on wheels. Whether it’s a 1967 Shelby GT500, a vintage Porsche 356, or a lovingly restored Chevy Bel Air, your classic car represents countless hours of passion, elbow grease, and probably more than a few late nights in the garage. But here’s a question that often gets overlooked: When was the last time you reviewed your classic car insurance policy? If the answer is, “Not since I bought the car,” then you could be at risk of being underinsured—or worse, facing major out-of-pocket expenses if something unexpected happens. After over 20 years in the insurance business, I can tell you this: reviewing your policy regularly—at least once a year—is one of the smartest things you can do to protect your investment. 1. Classic Cars Appreciate, Not Depreciate—And That Matters Unlike your daily driver, a classic car typically increases in value over time. According to Hagerty , ...

  1. High Rates of Uninsured & Underinsured Drivers New Mexico consistently ranks among the worst states for uninsured motorists. As of 2022, nearly one in four drivers in our state was traveling without insurance—about 24.9% granolaw.com +4 thezebra.com +4 roadrunnerlaw.com +4 koat.com . Other reports put the figure at 21.8% or 22% , still shockingly high . This means that in any given accident, there's a significant likelihood the at-fault driver lacks coverage. Even when drivers are insured, they often carry only the minimum liability policy required by law— $25,000 per person/$50,000 per accident for bodily injury, plus $10,000 property damage sanchezandpinon.com +2 enjuris.com +2 casetext.com +2 . These limits may sound sufficient—until a serious crash occurs. 2. Real-Life Costly Coverage Gaps Let’s look at common auto insurance coverage shortcomings and what can happen if they go unchecked: A. Minimal Liability Only Suppose you're in a T‑bone crash: ...

  Florida is home to thousands of strip malls—those ubiquitous, low-rise retail complexes found along busy roads from Miami to Jacksonville. These shopping centers often house a variety of tenants, from nail salons and convenience stores to restaurants and small medical offices. While they offer a lucrative real estate investment opportunity, strip malls in Florida are uniquely vulnerable to a range of risks. As a result, having comprehensive and well-structured insurance policies isn’t just advisable for strip mall owners—it’s essential. From unpredictable weather patterns to slip-and-fall liability, strip mall owners must protect their investments, tenants, and themselves from the many potential perils that come with owning and operating commercial retail property. Here's why a strong insurance strategy, including commercial property and liability insurance, is critical for success and sustainability. 1. Florida’s Weather Poses Unique Risks Florida’s subtropical climate is i...

Hollywood, Florida, a vibrant coastal city brimming with sunshine and activity, offers a unique driving experience. While the scenic routes and easy access to beaches are appealing, the roads here also present their own set of perils, particularly during the bustling spring and summer months. From increased tourist traffic to sudden downpours and the ever-present Florida heat, navigating Hollywood's roadways requires heightened awareness and proactive safety measures. Crucially, it also necessitates understanding how your auto insurance can protect you from the financial fallout of accidents, especially those involving uninsured motorists. The Perils of Driving in Hollywood, FL Hollywood's roads, while often well-maintained, can become challenging due to a confluence of factors: High Tourist Volume: Spring break and summer vacations bring a significant influx of tourists unfamiliar with local roads and traffic patterns. This can lead to unpredictable driving behavior, sudden ...