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...