Bicycles Provide Major Benefits | Blog | Vargas & Vargas Insurance

Bicycles Provide Major BenefitsAs you know, Vargas and Vargas Insurance will be raffling off a “Street Cruiser” bicycle from Ashmont Cycles very soon. We’ve already shared with you some bike safety tips in our blog “ Gear Up for Bicycle Safety ”. We will be talking about bicycle gear is a soon to be published blog. Bicycles provide major benefits. In this blog, we want to focus on the benefits you can gain by using your bicycle.

Cycling is Good for Your Health

The first benefit is probably the most obvious: getting in the habit of using your bicycle can be a great form of exercise. Routine bike rides can provide copious health benefits, such as:

  • Increased metabolism
  • Improved cardiovascular health
  • Strengthened mental health
  • Decreased stress levels
  • Bolstered immune system
  • Enhanced stamina
  • Improved longevity
  • Toned and defined muscles

And if these health benefits aren’t enough, consider the calories burned: in an hour of cycling, you will burn 300 calories on average. This means that if you get in the habit of taking a 30 minute bike ride every day, you can lose 11 pounds in a year!

Remember, though, that you should always consult with your doctor before you start an exercise regimen. It is more than likely that regular bicycle rides will provide a great benefit to your health, but you should always check with a licensed professional first.

Bicycles Benefit the Environment

If you are a regular on this blog, you may remember an article posted at the end of April titled “ Are You Green Enough? ” in which we explained many ways that you can help the environment. One of these was to use alternative transportation when travelling. 

Riding a bicycle is an excellent example of alternative transportation. Forgoing the use of a car provides many environmental benefits, such as the fact that you don’t need to use gasoline or electricity. This means that biking reduces both air and water pollution. In fact, cycling creates no pollution at all!

Bicycles also reduce road wear – as you know, a bicycle weighs a lot less than a car, and therefore puts a lot less pressure on roads and sidewalks. This means that for every trip taken on a bike instead of in a car, taxpayers are paying less for road refurbishments.

In addition, you can fit over a dozen bicycles in the same space as a single car, thus helping with the current parking problem. Also, studies have shown that cycling can save you time in rush hour – instead of sitting in traffic, cruise by all those motorists on your bike!

Biking Increases Your Safety

There is one more huge benefit to jumping on your bike instead of into your car: you’ll be safer! One study from University College London states that young males age 17 to 20 who drove were at a five times greater risk than those who rode a bicycle. 

If you cycle with the right protective gear, you can help yourself avoid potential injury. And while you can never fully protect yourself against the occasional cut or scrape, you will be at less of a risk for serious injury if you opt to use a bicycle instead of a motor vehicle.

If you need to take a longer trip and opt to use your car, remember to watch out for cyclists. These ten rules may help you to coexist and share the road with bikers. 

Also, remember to stay tuned to the Vargas and Vargas Insurance Facebook page to learn more about our bike giveaway!

Photo credit:  melgupta  /  Foter.com  /  CC BY-SA

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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