December 2025 Newsletter
Trusted Experience. Proven Success. Unmatched Service.
Merry Christmas! Happy Holidays! Happy Hanukkah! and Happy Kwanza! Every year I get so excited to sing the words of one of my favorite songs in the world. Oh Holy Night by J.S. Dwight. Specifically, I am deeply moved by the opening stanza:
O holy night, the stars are brightly shining;
It is the night of the dear Saviour's birth.
Long lay the world in sin and error pining,
Till He appeared and the soul felt its worth.
May this wonderous season bring to you and your family a deep sense of your soul’s WORTH.
Karen Montas, Esq.
Legally Speaking...
Don't Get Grinched! How to Spot the Most Common Holiday Scams & Protect Your Home
Oh deer! Santa took a nasty tumble on that loose roof shingle, a lingering hazard from last year’s hurricane. It proves that even magical delivery workers can be victims of negligence. Whether it's a uneven or cracked walkways, wet grocery store floor, or poor lighting unexpected falls can lead to serious personal injuries and costly medical bills. Don't let your pain linger—contact us today, and we'll help you file your claim faster than Rudolph can fly.
Top 5 Claims and Essential Safety Tips:
The five most frequent claims involve home accidents and fires caused by decorations, increased burglaries and thefts, car crashes due to the holiday rush, and liability claims from accidents at holiday gatherings. To enjoy a safe and merry season, it is crucial to take proactive preventative measures like practicing fire safety, securing your home, driving defensively, and reviewing your insurance policies.
Key Homeowners Coverages:
A standard homeowners insurance policy provides crucial financial protection against the increased risks, such as fire, theft, and guest injury, encountered during the holiday season. Key coverages include Dwelling protection for the structure, Personal Property for your belongings, and Additional Living Expenses if you must temporarily relocate after a covered disaster. Furthermore, Personal Liability and Medical payments coverage protects you financially against injuries sustained by guests, making it essential to contact your agent to ensure you have the coverage you need.
Avoid Holiday Scams:
The charitable spirit and increased busyness of the holiday season make it a prime target for cybercriminals, with approximately 89% of U.S. consumers experiencing or being targeted by related fraud. Common scams include fake charity appeals, online shopping scams using social media to sell non-existent or counterfeit products, and phishing emails impersonating delivery services like UPS or FedEx. Consumers must also be vigilant against fraudulent "card declined" alerts that steal a second payment, gift card draining, and travel scams using fake deals, emphasizing the need to verify sources before clicking links or making purchases.
Recent Accident?
Your insurance coverage can be affected by what you
do after a motor vehicle accident.
Montas Turner, P.A. in the Community:
The Haven for Children
Our law firm had the privilege of making Christmas brighter for eight children at The Haven by providing the items on their wish lists. We take genuine pleasure in being a blessing to the community, and we hope these gifts bring them immense joy, create lasting memories, and reinforce that they are deeply valued and loved.
Karen's Shoe of the Month!
If you know Attorney Karen Montas, you know she is a shoe connoisseur. The elves aren't the only ones rocking green shoes this holiday season. Check out this beautiful green pump.