Although lauded for their environmental benefits, The Insurance Institute for Highway Safety (IIHS) reported that “mini-cars” do a poor job of protecting their occupants. In fact, research shows that the chance of a fatality in collisions with mid-size vehicles is almost double that of larger vehicles, and that number is tripled in single “mini-car” crashes. Although mini-cars therefore may be more environmentally friendly than other vehicles, tension exists between being safe and being “green”. It’s not easy being green……

Race your sailboat! But first, make sure your insurance covers racing.
Here in Buffalo, NY on Lake Erie, sailboat racing is well underway on Tuesday and Wednesday nights. Racing generally means there are more crew members on your boat and working in more dangerous conditions than cruising. Many insurance policies do not cover racing. Please be familiar with your