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How Your Auto Insurance is Failing You In Massachusetts, drivers are legally required to obtain auto insurance before they can take to the streets. Massachusetts drivers must have insurance that covers the following minimum legal requirements: • Bodily Injury Liability Coverage: $20,000 / $40,000 • Property Damage Liability Coverage: $5,000 • Uninsured Motorist Bodily Injury Coverage: $20,000 / $40,000 • Personal Injury Protection: $8,000 (can be waived for driver-owner but not passengers) However, just because this is the minimum required amount, drivers should not make the mistake of believing it is enough to cover their needs. At Spada Law Group, we have met many clients who suffered greatly because their auto insurance was lacking. There are drivers on the road without insurance even though it is legally required. Even more tragically, there are MANY that have the minimum required coverage but may cause an accident that results in far more damage and expenses than their insurance is obligated to cover. If you are hit by an uninsured or underinsured driver, you could be looking at tens of thousands of dollars in medical bills that you will have to cover on your own if you are injured. This is why we strongly urge people to take a second look at their uninsured/underinsured motorist coverage. If you or your family are the victims of someone else’s negligence, you want to have your best bet at recovery. It is possible to increase that $20,000 in minimum coverage to $100,000, $250,000, and sometimes even $500,000 just by talking to your insurance agent. You’d be surprised at how little extra it costs to do so. How much is enough in terms of car insurance? This is a personal decision, but we encourage you to buy as much liability and uninsured/ underinsured motorist coverage as you can afford. A modest increment in your premiums can provide substantial peace of mind. In Massachusetts, it’s important to remember that you cannot have more coverage to protect yourself than you have to protect others. If you want to increase your uninsured/underinsured motorist coverage, you will also have to increase your liability coverage. Our advice: Put down this newsletter and call your insurance agent now! Make sure you and your loved ones are protected before you get back on the road. If you have ANY questions, give us a call. We have staff on hand that are former insurance claim adjustors who would be more than willing to help.
AQUARIUS ARROW CANDY CHOCOLATE CUPID DATE
FEBRUARY FLOWERS HEART
ROSES SWEET VALENTINE YEAR
LEAP LOVE PISCES
Valentine’s Day Cookie Cards Local Chef’s Corner Inspired by Food & Wine magazine.
INGREDIENTS • 2 1/4 cups all-purpose flour • 3/4 cup sugar • 1/4 teaspoon salt • 2 sticks unsalted butter, cold and cut into 1/2-inch cubes
• 2 large egg yolks • 2 teaspoons pure vanilla extract • Royal icing, sprinkles, and edible markers, for decorating
INSTRUCTIONS 1. Heat oven to 375 F.
2. In a mixing bowl, combine flour with sugar and salt. Add butter and combine using a mixer at low speed, until butter breaks down into small, crumbly pieces. Increase mixing speed to medium and mix until butter and flour clump. 3. Add egg yolks and vanilla extract to bowl, return mixer to low, and mix until dough congeals. 4. Carefully roll dough into a sheet 1/16-inch thick and cut into 4x6- inch cards. 5. On a parchment-lined baking sheet, bake cookie cards for 6 minutes, rotating the pan halfway through. 6. Let cookies cool completely, decorate, and distribute.
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