Are These Auto Insurance Myths True? | Blog | Vargas & Vargas Insurance

When it comes to automobile insurance, there are plenty of myths that float around that can be misleading. From the color of your car affecting your rates to the belief that getting a ticket will always hike up your costs, let’s set the record straight on some common misconceptions.

Myth 1: Your credit does not impact your insurance rate

Contrary to what some might believe, your credit history can indeed impact your car insurance rates. Insurers often use a credit-based insurance score to get a sense of how you manage your finances, which can indicate your likelihood of filing a claim. Generally, higher credit scores correlate with lower car insurance rates because those with better credit tend to have fewer accidents.

Myth 2: Your insurance will cover damage from trees, weather, vandalism, and theft

Basic auto insurance policies usually don’t cover damages to your vehicle from falling trees, weather conditions, fires, vandalism, or theft. To protect yourself from these types of costs, you would need to purchase a comprehensive policy.

Myth 3: Getting a ticket will automatically increase your insurance costs

Getting a speeding ticket doesn’t necessarily mean your insurance rates will go up, particularly if you have an otherwise clean driving record. In many states, you can take safe driving courses that might help improve your record and lower your rates.

Myth 4: You don’t need more car insurance than what is required by law

While it’s true that most states require a minimum level of auto insurance, this basic coverage often isn’t enough to fully protect you in the event of an accident. Experts typically recommend getting a policy with at least $100,000 of bodily injury protection per person to ensure you’re not left paying hefty out-of-pocket costs.

Myth 5: Personal insurance covers business use of your vehicle

If you use your car for business purposes, don’t assume your personal auto insurance will cover you—because in most cases, it won’t. It’s crucial to check with your insurer and potentially purchase business vehicle insurance if needed.

Myth 6: The color of your car affects your insurance costs

Many people think that flashy car colors, like red, might increase insurance costs. However, the color of your car does not affect your insurance rates. Insurers look at factors such as make, model, price, age of your car, and your driving record, but not the color.

Myth 7: More expensive cars always cost more to insure

While it might seem logical that more expensive cars would be costlier to insure, this isn’t always the case. Insurance companies often focus more on how much it costs to repair a car rather than its purchase price. Surprisingly, some mid-priced cars can be more expensive to insure due to higher repair costs.

Myth 8: Car insurance prices increase as you get older

Actually, older drivers can often benefit from lower insurance rates. Many insurance companies offer discounts to mature drivers, especially those over 55 who take accident prevention courses. Also, retirees who drive less frequently might qualify for additional discounts.

Myth 9: If another person crashes your car, their insurance will cover the damages

Generally, your auto insurance is the one that covers damages to your car, no matter who is driving. Make sure to understand your specific state laws and insurance policy details because these can vary.

Myth 10: Soldiers pay more for car insurance than civilians

If you’re in the military, you’re actually eligible for discounts on car insurance. By providing proper documentation, you can ensure you’re not paying more than necessary. Many insurers also offer discounts for veterans and military family members.

Understanding the facts about your auto insurance can save you money and prevent stress. If you have any questions or need further clarification, the team at Vargas & Vargas Insurance is always ready and willing to help. You can reach us at 617-298-0655. We’re here to ensure you have the right coverage for your needs and to help debunk any other myths you might encounter!

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What Happens to My Auto Insurance After a Hit & Run?

By carlos vargas • November 21, 2025
If someone hits your car and drives off, it’s called a hit and run . Imagine leaving the grocery store to find your bumper smashed with no note or witnesses. It’s not just the damage that’s frustrating; it’s the uncertainty about what to do next. Why Are Hit & Runs Confusing? Many drivers aren't sure what to do because we aren’t often taught how insurance works for these situations. But the more you know, the more protected you’ll be. At Vargas & Vargas Insurance , we guide drivers through hit and run claims, breaking down the process in simple terms. Key Questions Answered: What is a hit & run under Massachusetts law? What auto insurance helps in this situation? Will your premium go up? What immediate steps should you take? What Is a "Hit & Run"? A "hit and run" involves another driver damaging your car or injuring you and leaving without giving their info. It could happen in a parking lot, on the street, or even at home. Massachusetts law requires you to report it and file a claim. Coverage That Helps in a Hit & Run Your auto policy can help—if you have the right coverage. Uninsured Motorist Coverage (UM/UIM): Essential for covering injuries to you or passengers. Collision Coverage: Covers car damage but requires you to pay the deductible. Note: Massachusetts is a no-fault state , needing collision and/or UM coverage for protection. Will Your Insurance Rates Rise? It depends. If considered a not-at-fault accident, rates might not increase. However, lack of a police report or a history of claims might affect rates. Reporting it properly is crucial. What Actions Should You Take? Call the police immediately to file a report. Take photos of all damage and surroundings. Seek witnesses or security camera footage. Contact your insurance agent for advice on filing a claim. Keep all records , like police reports and photos. The Bottom Line You can't control reckless drivers, but you can control your preparedness. Here's what you need to know: Have collision and uninsured motorist coverage for protection. A police report is essential. Your agent is your best ally for making claim decisions.  If you’ve returned to your car to find damage without a note, you know the stress. Now you know the steps to take and the protections you need. At Vargas & Vargas Insurance , we’re here to make this simple and stress-free. Unsure if your policy protects you from a hit & run? Call us at 617-298-0655 . Let’s ensure you’re covered before it happens.

Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

By carlos vargas • November 21, 2025
In this post, we'll guide you through what happens when someone is injured on your property, how personal liability insurance can provide protection, and the steps you should take immediately if an accident occurs. By the end, you'll understand common scenarios that trigger personal liability coverage, what's included (and not included) in a standard policy, how claims are managed, and practical tips to protect yourself both before and after an accident. Understanding Personal Liability Insurance Personal liability insurance is designed to protect you financially if you are found legally responsible for someone’s injury or damage to their property. Typically, this coverage is part of your homeowners or renters insurance policy. If an incident occurs on your property and you’re held responsible, your personal liability insurance can help cover: Medical expenses for the injured person. Legal defense costs if you’re sued. Settlement or judgment amounts awarded to the injured party. Without this coverage, you could face out-of-pocket expenses which could amount to thousands or even hundreds of thousands of dollars, depending on the situation. Common Injury Scenarios on Your Property Personal liability coverage may be applicable in situations like: A guest slipping on an icy walkway. A child falling off a swing in your backyard. A delivery driver tripping over a loose step. A neighbor’s fence being damaged by a tree falling from your yard.  Accidents can happen even if precautions are taken, and unfortunately, being "careful" doesn't automatically shield you from legal or medical bills. What’s Not Covered It's crucial to understand that personal liability insurance doesn't cover everything. Most policies exclude: Injuries to you or household members. Intentional acts causing harm. Certain high-risk situations, such as injuries from business activities conducted at home (unless you have separate business liability coverage). Understanding these exclusions can prevent surprises and the frustrations often accompanying a denied claim. What Happens After an Injury on Your Property If someone is injured on your property: Get medical help immediately — the priority should be the person’s safety and well-being. Document the incident — take photos, collect witness statements, and record all details. Notify your insurance company — report the incident promptly, even if unsure whether the injured party will make a claim. Avoid admitting fault — stick to the facts when speaking with the injured person and your insurer. Once a claim is filed, your insurance company will: Investigate the incident. Determine whether your policy covers the claim. Handle negotiations, settlements, or defense in court if necessary. How to Protect Yourself Before an Accident Happens While insurance covers the unexpected, prevention is better than reaction. Reduce your risk by: Keeping walkways clear of ice, snow, and clutter. Repairing loose steps, handrails, and flooring. Properly maintaining landscaping and trees. Providing adequate lighting for entrances and pathways. Regular maintenance not only keeps your property safe but shows responsible behavior if a claim is filed. The Role of Your Insurance Broker An experienced insurance broker can help you: Review your policy to ensure adequate liability coverage limits. Clarify exclusions so you understand what's not covered. Guide you through the claims process if an injury occurs. Suggest umbrella insurance for additional liability protection beyond your standard policy limits. Having a broker means you aren't navigating these situations alone — you'll have someone familiar with your policy advocating for you. The Bottom Line Accidents can occur anywhere to anyone at any time. If someone gets hurt on your property, personal liability insurance can safeguard your finances, cover legal costs, and help manage the situation professionally. The key is understanding how your coverage works before you need it. This involves knowing your policy limits, understanding exclusions, and ensuring you have sufficient protection in place. Additional Resources: Insurance Information Institute – Understanding Liability Coverage NAIC – Consumer’s Guide to Home Insurance