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Marijuana legalization is spreading. What does this mean for traffic safety? More than 30 states, the District of Columbia, Guam and Puerto Rico have programs that allow qualifying patients to access medical marijuana products. Another 13 states permit non-intoxicating medical marijuana products. Ten states and D.C. permit recreational marijuana, where any adult over the age of 21 can possess and use the drug. Recreational marijuana sales are booming. The Insurance Information Institute has created a white paper on the subject.examining the current state of knowledge related to marijuana impairment: its effects on driving abilities, how traffic safety might be impacted, and how states are grappling with the issue of “stoned driving.”

Many consumers, however, lack an understanding of the myriad and multi-faceted loss exposures associated with boat ownership. And boat lovers may mistakenly believe that coverage applies under their homeowners policy for these loss exposures. Most homeowners policies, however, only insure losses arising from certain low-valued or low-powered boats. Therefore, you should contact us before buying a boat to discuss the proper insurance protection for it. You do not want to be "underwater" when it comes to the proper watercraft insurance. Consider the following tips to assist you in this process.


The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.