Do You Know these Massachusetts Driving Laws?

Name: Vargas & Vargas Insurance
Address: 1133 Washington St, Dorchester, MA, 02124
Telephone: 617-298-0655

Posted on April 20, 2015April 2, 2017 by cvargas

Here in the US, the driving laws that you must follow depend on the state in which you’re driving. That means that Massachusetts has its own set of driving laws that are different from every other state, including even our neighboring states of New York, Connecticut, Rhode Island, New Hampshire, and Vermont.

Hopefully, you caught our featured article a few weeks ago about the new Massachusetts headlight law that went into effect on April 7, 2015. (If not, go ahead and catch up on that blog post now!)

If you were curious as to some of the other Massachusetts specific driving laws, today is your lucky day! We’ve scouted out just a few of the driving laws that are unique to Massachusetts. Read more about them below:

1. Accident Reporting – In Massachusetts, you are required to report accidents in cases of injury and death, and also if property damage exceeds $1,000. The accident must be reported within five days.

2. Child Passenger Safety – Children under age 8 and under 4 feet 9 inches tall must have a child safety seat. Children aged 8 through 12 need a properly adjusted safety belt or child restraint. In addition, all drivers and passengers in Massachusetts must wear seatbelts, with few exceptions.

3. Cell Phones and Texting – Cell phone use is prohibited for school bus drivers and all drivers under the age of 18. Texting is banned to all drivers in Massachusetts.

4. Speed Limits – Unless otherwise posted, Massachusetts has suggested speed limits of 65 mph for rural and urban interstates. Speed limit citations have a minimum penalty of $75. This fine increases $10 for each mph you were travelling over the first 10 mph.

5. Mature Drivers – For drivers 75 and older, license must be done in person and every five years.

6. Work Zones – If you are caught speeding in a work zone in Massachusetts, you can get an enhanced penalty of double the original fine. Workers don’t need to be present for this to happen, though the zone must be marked with signs.

In addition to all of these laws, there are minimum Massachusetts Auto Insurance requirements. Every car in Massachusetts must have the following coverage:

Bodily Injury to Others – $20,000 Per Person and $40,000 Per Accident
Personal Injury Protection (PIP) – Pays up to $8,000 for Medical Expenses
Bodily Injury and Uninsured Motorist – $20,000 Per Person and $40,000 Per Accident
Property Damage to Another Person’s Property – $5,000

It is important to remember, though, that these are the minimum requirements. To ensure proper protection, call a Vargas and Vargas Insurance agent at 617-298-0655. There, you can get a quote for auto insurance protection that will provide protection for your property, yourself, and your loved ones.

Please make sure that your friends and loved ones know these Massachusetts driving laws by sharing this post on Facebook or Twitter with the buttons below. Also make sure to tell them about how Vargas and Vargas Insurance Agency can get them a fast and free insurance review.

Motorcycle Insurance Quotes for Spring and Summer

Posted on April 17, 2015April 2, 2017 by cvargas

Motorcycle Insurance Quotes

We know that you love your bike. You’re probably beyond excited that it’s getting warm enough to ride again, and are planning your first outing (if you haven’t gone out already!) Before you unveil your motorcycle from the depths of hibernation, though, make sure that you call Vargas and Vargas Insurance Agency for a motorcycle insurance quote that will protect you and your bike.

Insurance for your motorcycle

Obviously, the most important part of purchasing motorcycle insurance is getting protection for your bike. Most insurance providers offer different coverage options. We can help you sort through all of the available options to figure out which will be best for your situation. We can explain the difference between replacement cost coverage and actual cash value coverage, recommend an appropriate deductible, and much more.

Insurance for your accessories

If you need to insure more than just your bike, we’ve got you covered. Ask us about getting additional coverage for your motorcycle’s accessories. This will vary for every rider and insurance provider, but will typically include coverage for custom electronics, sidecars, tractor trailers, and more. Just tell your insurance agent what peripherals you want covered – we will figure out how much coverage you need and add it to your policy for a low price.

Discounts on your coverage

Vargas and Vargas Insurance Agency knows how to get you a good price on all of your insurance policies, and motorcycle insurance is no exception. When you call for a free Massachusetts motorcycle insurance quote, a Vargas and Vargas representative will gather the information required for the quote. They will also ask several questions to see if you are eligible for discounts, including:

If you will be insuring more than one motorcycle
If you have completed a motorcycle safety course
What anti-theft devices your motorcycle has
If you belong to a Motorcycle organization that has a discount program

If any of these bullet points applies to you, let your insurance representative know – it could mean that you qualify for a discount on your motorcycle insurance policy (depending on the insurance provide that you decide to use).

The best service in Massachusetts

All of our customers agree – Vargas and Vargas Insurance has the best service in Massachusetts! You will be glad that you have your insurance through our agency if you ever have a question or concern about your insurance policy, or if you need to file a motorcycle insurance claim. Call our office during work hours for questions, or call our emergency line when the office is closed to report a claim – we’re available on that line 24/7/365. We are famous for our service!

All you need to do for a top of the line motorcycle insurance quote is call 617-298-0655 and speak to a Vargas and Vargas Insurance representative. We will gather information about your motorcycle and the coverage that you desire, and we will prepare a quote that will meet all of your needs for a great price. Don’t hesitate – your bike deserves the best coverage, and Vargas and Vargas Insurance is the best around!

When to Take Out a Loan

Posted on April 15, 2015April 2, 2017 by cvargas

In general, you’re advised to avoid going into debt as much as possible. Sometimes, though, taking out a loan is a necessary part of life, whether for an emergency or necessity. If you’re thinking of taking out a loan, make sure that you fall into most (or preferably all) of the following categories:

Your purchase is essential, not frivolous.

Before you consider any of the other factors on this list, think long and hard about the reason that you are thinking of taking out a loan. Is it worth going into debt and committing to principle and interest payments for your purchase? If the reason for your loan is necessary, go ahead. On the other hand, if you can wait, consider setting up a savings account and waiting until you have enough in the bank to cover your needs without a loan.

You can afford the payments.

This one should be obvious, but it is always worth mentioning when talking about taking out a loan. When you’re thinking of borrowing money, make sure that you can afford the payments. This is true for any type of debt – mortgages, car loans, student loans, even loans from friends and family. If you can’t afford the payments for a loan, consider talking to a financial advisor about your other options.

You can pay off the loan early.

Sometimes you know that you have money due to you (like a bonus or commission), but need to make a purchase before the money reaches you. In this case, you can take out a short term loan to buy what you need, and pay off your debt as soon as you receive the money that you are due.

There are two major considerations in this situation. First, you must be 100% sure that the money due to you is coming. The last thing you want to do is count your chickens before they hatch and end up stuck with a loan when your windfall falls through. Also ensure that the loan you take out doesn’t have any prepayment penalties.

You have a good credit score.

People with good credit often get better deals on loans. If your credit score is above 720, you will typically be eligible for a loan with lower than average interest rates, meaning that you will pay less in interest over the life of the loan. Just make sure that you keep your credit score high by making your loan payments on time!

You qualify for a specialty loan.

There are many types of specialty loans available for specific groups and events. We couldn’t possibly list all of the specialty loan types, but the most common include loans for Home Buyers, Education, VA loans, and USDA loans. These specialty loans often have favorable repayment terms that make carrying a bit of debt worth the risk.

If you want to talk to a professional about the implications of taking out a loan, and get personalized advice about your financial situation, talk to a Vargas and Vargas Insurance Agency Financial Planning professional. As always, you can call 617-298-0655 for more information!

8 Apps to Improve Your Productivity

Posted on April 13, 2015April 2, 2017 by cvargas

Do you want to be more productive? Who doesn’t! Here at Vargas and Vargas Insurance Agency, we want to make sure that our clients have all of the tools that they need (including Massachusetts home insurance, auto insurance, business insurance, and more).

Save yourself time and increase your money-making potential by using some or all of the following apps. We have included a link and a short description of each, but we encourage you to give all of them a try to see which should be a permanent part of your repertoire.

1. Dropbox – Have you ever needed to access a file while on the go? With Dropbox (or any of the several similar services like Box and OneDrive) you can have your important files in the cloud, and accessible from a phone or tablet whenever you need them.

2. Evernote – You’re on the go when inspiration strikes. What do you do? Most people are stuck hoping that they can remember their idea later, but with Evernote you can take notes or save images and access them later. Make sure that you’re always prepared for a stroke of genius!

3. Magisto – Apps make previously impossible tasks as easy as 1-2-3. This is especially the case with Magisto – an app that can help you make videos, movies, walkthroughs, and so much more. In addition to their web app, they now also have a mobile app called Magisto shot.

4. Buffer – Everyone knows the importance of having a social media profile that is active and updated regularly. Schedule your social media posts with ease on Buffer. Just link your Facebook, Twitter, and LinkedIn accounts and begin scheduling posts for a whole week (or more) at once!

5. Keynote – Apps like Keynote can help you create beautiful presentations with “dazzling effects!” Designed for simplicity, Keynote allows seamless collaboration between Mac and iOS devices, and also allows work with PowerPoint users.

6. LinkedIn – I know that you probably already have a LinkedIn account. Did you know, though, that you can keep all of your professional contacts at your fingertips with the LinkedIn app? Get updates from your contacts, see a newsfeed of content from colleagues, recruit on the go, and much more.

7. Streak – Gmail is a powerful business tool. You can make it even more powerful with Streak. When you install this app, you will obtain access to an arsenal of CRM and Email tools within your existing Gmail account, including sales tools, deal flow, hiring help, email tracking, ‘send later’ functionality… and the list goes on!

8. Bond – The power of a handwritten note is undeniable. There’s nothing quite like receiving a letter from a friend or a business. If you want to harness the power of the handwritten letter without wasting time improving your penmanship, Bond allows you to type out a letter – they will use their handwriting technology to pen your words and send the note for you!

To further increase your productivity, get the peace of mind only offered by top of the line insurance policies – like the ones you can get here at Vargas and Vargas Insurance Agency! Call 617-298-0655 to speak to an insurance agent about gaining protection for your home, car, business, and more.

5 Massachusetts Commercial Vehicle Insurance Myths

Posted on April 10, 2015April 2, 2017 by cvargas

Does your business use a vehicle? If a car or other automobile is a part of your business, you need to make sure that you have a top notch commercial vehicle insurance policy! A commercial auto insurance policy will protect your business in several different ways.

Unfortunately, there is a lot of misinformation floating around about commercial vehicle coverage. In an attempt to clear up the misconceptions, here are five common commercial auto insurance myths, and the truth behind the confusion:

Myth 1: Any employee is covered when driving a company vehicle.

In some cases, commercial vehicle insurance policies specify that drivers are only covered if their name is on the policy. This means that it is the business owner’s responsibility to make sure that this list of drivers is kept up to date, and that employees that are not listed on the policy know that they are not permitted to drive company vehicles.

Myth 2: Seasonal businesses should cancel their coverage when their vehicles aren’t in use.

If you run a seasonal business, you may be tempted to only purchase commercial auto coverage for your business vehicles when your business is open. There are several reasons why cancelling your coverage is a bad idea. First off, your vehicles will lose their protection – while they won’t get into an accident when they’re not on the road, they could still be the target of a thief, or get damaged by a storm or a falling tree. It is also worth noting that some commercial auto insurance providers will charge you more to insure a vehicle that has gone without coverage. So, letting your coverage lapse may cost you when you’re ready to start business again. Instead of cancelling your coverage altogether, call your Massachusetts insurance agent and ask about reducing your coverage to liability only.

Myth 3: You don’t need commercial vehicle insurance coverage for your personal automobile.

If you only use your automobile for personal use, then a traditional auto insurance policy will suit you just fine. If, on the other hand, you know that you will occasionally employ your personal vehicle for commercial uses, you need to ask your insurance agent whether you need a commercial automobile policy. This includes transporting commercial goods or paying passengers, or if your vehicle has equipment installed to support a business.

Myth 4: You must pay your insurance premium in full and up front.

Don’t fall into the trap of thinking that you are required to pay your entire insurance premium up front. In fact, many insurance providers will allow you to pay in installments. It is important to note, though, that by using a payment plan you will sometimes be losing out on a ‘Pay in full’ discount. Ask your business insurance agent about the details of your policy to find out more.

Myth 5: It will always be cheapest to bundle your business insurance policies with the same provider.

Here at Vargas and Vargas Insurance Agency, we are experts at getting our customers great insurance at a low price. Because of this, we know that bundling isn’t always how you get the best price on protection for your commercial vehicles. In fact, sometimes you will pay much less in insurance premiums if you take advantage of discounts offered by different insurance providers. To find out about how to save on all of your business insurance policies, call the experts at 617-298-0655.

How to Encourage Workplace Wellness – 4 Ways!

Posted on April 8, 2015April 2, 2017 by cvargas

If you have a desk job, it may seem impossible to live a more active lifestyle. After sitting from 9-5 five days out of the week, you’re probably mentally exhausted. At that point, it’s much easier to relax in front of the TV for the evening than to focus on living an active and healthy lifestyle.

The solution to this issue may be easier than you think – instead of making yourself move during the few hours that you’re at home during the day, take a more active role when you’re working! Here are a few tips to help you get moving at work:

1. Learn a few desk exercises.

Your desk at work doesn’t need to be a shrine to laziness! While you’re replying to emails or completing paperwork, get moving with a few exercises and stretches that you can do at your desk. For some, you don’t even need to get out of your chair!

Search the internet to find a desk exercise routine that works for your routine, and make a point to complete it a few times every day. If you need a reminder, make an appointment on your calendar, or make yourself a sticky note and put it in plain view.

2. Get moving while you work with a treadmill desk.

Want to take your workouts to the next level? Consider investing in a treadmill desk. They’re the latest trend in being active (along with standing desks). They cost a pretty penny, but they allow you to walk while working on a laptop – you could easily put in thousands of steps while being as productive (if not more productive) as usual.

3. Don’t skip lunch – take a walk.

You may be able to get a little more done if you eat work at your desk while catching up on emails, but you’re not doing your body (or your mind) any favors. Instead, take a walk during your lunch break. If the weather is nice, eat outside and enjoy the fresh air. When you get back to the office, you may find that a little respite from the corporate environment has left you refreshed and ready to take on the rest of your day.

4. Get your social network involved.

As we discussed in our “New Year’s Resolution” blog post, it’s always easier to achieve a goal when you tell others about what you aim to do. Let your family, friends, and coworkers involved in your success by asking them to hold you accountable to your goal.

If you want to be able to measure your success, consider purchasing a pedometer or fitness tracker – there are several on the market today, and some will track much more than just the steps that you take each day. On these, you can even set personalized goals that will motivate you!

Living a more active lifestyle is a great way to improve your health. If you want to do even more to protect your health, call 617-298-0655 to speak to a Vargas and Vargas Insurance agent about getting a top of the line Boston health insurance quote. Or, if you run a Massachusetts business, talk to us about getting group benefits and workers compensation for your employees.

8 Steps to Take if You’re in a Car Accident

Posted on April 6, 2015April 2, 2017 by cvargas

Getting in a car accident is never a part of your daily agenda, but it will likely happen to all of us at one time or another. Make sure that you are prepared if and when you are in an accident by following these 8 steps. These will make sure that you don’t miss a step in the process when you are in the middle of this stressful and chaotic situation.

1. Stop Safely – When an accident occurs, you need to immediately get yourself and your automobile in a safe location and stop. Pull off the road, or into a parking lot nearby. Make sure that the place you go is well lit if the accident occurs at night.

2. Get Medical Attention – If anyone was hurt in the accident, call for medical help immediately. Your health should be your #1 priority – don’t neglect it!

3. Call the Police – Regardless of whether medical attention was necessary, make sure that you call the police. They can collect evidence, take statements from witnesses, and will file an accident report that could come in handy when you file an insurance claim.

4. Document the Accident – Before you leave the scene, write down and take pictures/video of everything that you can. This includes the damage to your car and any other cars involved, any injuries that you sustained, and the area where the accident occurred. Also draw a map or diagram of the accident as it happened from your point of view. If you have a smartphone, make sure that you download the Vargas and Vargas Insurance Agency Mobile App.

5. Exchange Information – According to the Massachusetts DMV.org website, you should exchange the following information with all parties involved in the accident:

Names, addresses, and telephone numbers
Driver license numbers
License plate numbers
Vehicle descriptions
Insurance information

And don’t forget to also write down the contact information of anyone that witnessed the accident. Also make note of any nearby businesses that could have recorded the accident on their security footage, and ask for a copy if you think you will need it. But don’t wait, this information is sometimes deleted after only a few days.

6. File an Insurance Claim – It is important that you call your Massachusetts auto insurance agent early in the process so that they can get started in the claims process. The earlier that you report the accident, the earlier that you will be able to get your repair reimbursement.

7. Get Your Car Repaired – After you’ve informed your insurance agent about the accident and gotten their advice about the situation, you will probably need to get your car inspected or repaired. Make sure that you go to a qualified repair shop. If you need a recommendation, your insurance agent will likely be able to give you one. Also ask your insurance agent if your coverage will pay for a rental car if your primary automobile needs extended repairs.

8. File Your Receipts – After you’ve gotten your car fixed and your car insurance claim is in the works, make sure that you save all receipts that you get that are related to the accident and associated damages. This includes health care statements and car repairs.

We are car insurance experts here at Vargas and Vargas Insurance, and we deal with insurance claims frequently. If you have any questions or concerns about the claim process, feel free to call us at 617-298-0655 to discuss your auto insurance policy and your unique claim.

A Spring Home Insurance Guide

Posted on April 3, 2015April 2, 2017 by cvargas

Spring is finally here. It may have seemed like that brutal winter would never end, but a new season is here. As of March 20th, winter is over and spring has sprung. Unfortunately, this does not mean the end of potential home insurance issues. With the new season comes new challenges that all homeowners must face. Thankfully, there are actions that you can take now to prevent several of the possible springtime hazards.

Here are a few of the most important home maintenance tips that you can take in the beginning of spring to help ensure a happy home:

Take care of your roof.

Now that the threat of ice dams is waning, you should make sure to check your roof for damage that may have taken place during the winter. Leaks could be an issue if an ice dam damaged your roof, and can be fixed with a call to a roofer and a simple home insurance claim. Also check for any damaged shingles that need to be replaced – this should be taken care of by a roofing professional before those pesky “April Showers” come along.

Now is also the perfect time to check your gutters for damage and bending. Gutter repairs are simple, and can help to ensure that spring and summer rain is properly diverted away from your home. In addition, make sure that you keep an eye on your gutters during the year for blockages. This is more of a concern in autumn, but being aware of the state of your gutters is always a good idea for a cautious homeowner.

Prepare for rising temperatures.

We’re all excited to put coats and scarves into storage for a few months, but your home needs some work before it will be ready to handle the warmer weather. The most important thing that you need to do to prepare your home is to take care of your air conditioner. Change or clean your filters, and check your refrigerant levels. It is also good to keep an eye on the condensing coil for blockages.

Perform “Spring Cleaning” tasks.

There are several tasks that need to be done in your home annually. Since spring is traditionally a time of refreshment and new life, it seems like a perfect time to check off some of these tasks, like testing and changing the batteries in your home’s smoke detectors! Some other tasks that you should consider include having professionals come to clean your sump pump and your hidden built-up dryer lint.

Don’t neglect your automobile.

Don’t make the fatal mistake of focusing solely on your home and forgetting about your vehicle! The winter is hard on cars, so take this opportunity to check and refresh your motor oil and clean out your fuel system. Also have a professional check your tires to make sure that they are wearing evenly. If not, you should consider a tire rotation. Also, there’s nothing like a good thorough wash to get off all of the winter salt!

If you need a Massachusetts auto or home insurance quote, look no further than the insurance experts here at Vargas and Vargas Insurance Agency. Call 617-298-0655 and one of our agents will give you a free quote, and answer all of your questions.

6 Spring Break Tips for Students and Boston Residents

Posted on April 1, 2015April 2, 2017 by cvargas

If you are the parent of a public school student in the Boston area, then you already know that Spring Break is approaching quickly! While most colleges have already had their week of R&R during the spring semester, public schools in Boston wait until the end of April this year for their break. For the 2014-2015 school year, Spring break for Boston Public Schools is from April 20th until the 24th.

While elementary and middle school students can be supervised, some high school students have their drivers licenses, and will be roaming our area with newfound freedom. Regardless of age, though, there will be thousands of students in the area looking for a good time. This means an increase in revenue for local businesses, but also an increased opportunity for accidents in the area.

Tips for Parents and Students

1. Before a young driver uses your vehicle, call your Boston auto insurance agent to check your coverage. Students may be eligible for discounts, just ask an insurance professional about the requirements.

2. If there is a vacation in your future, make sure that your luggage will be covered under your home insurance policy. If you’re taking a road trip, have your car checked by a qualified mechanic before you depart.

3. Spending any of your vacation poolside or outdoors to enjoy the lovely Spring weather? If so, make sure to brush up on sun safety before you venture out into the rays!

4. Don’t let this week of freedom pass by in a haze of sleep and video games. Go somewhere new, learn a new skill, volunteer – do something productive that you will remember. For older students, this activity could be something to use in a college application! Older students may want to take advantage of this time off for college tours and scholarship applications.

Tips for Boston Residents

1. Once school is out, everything is going to be more crowded. If you like things a little more quiet, consider putting off your outings until school is back in session.

2. During the week of Spring Break, students of all ages will be out and about looking for a good time. This means that you should be extra careful when you’re driving. You never know when a small child may run into the road, or when an inexperienced driver may inadvertently cause an accident.

Following these tips will help you and your family ensure that the upcoming week of Spring Break is safe and productive. If you have any more tips that you want to share with the readers of our blog, post a comment on this blog, or message us on Facebook!

Everyone here at Vargas and Vargas Insurance Agency wishes all Boston Public School students a fun and safe Spring Break. If you have any insurance related questions or concerns during your vacation, you know who to call – 617-298-0655! Our offices are open Monday to Friday from 8:30 am until 5:30 pm.

There’s a New Headlight Law in Massachusetts!

Posted on March 31, 2015April 2, 2017 by cvargas

Did you know that Massachusetts drivers will be subject to a new driving law starting on April 7, 2015? Familiarize yourself with the new law, and its potential consequences, below:

What is the new law?

Beginning on that day, you will need to turn on your car’s headlights any time that you have your windshield wipers on. Here in Massachusetts, the law has always stated that you need to have your headlights on during the night (specifically from 30 minutes after sunset until 30 minutes before sunrise). Now the law also specifies that headlights are required when windshield wipers are needed, including during a sunny afternoon storm.

Here is the exact wording of the new law, with the amended wording in bold font:

Section 15 of chapter 85 of the General Laws, as appearing in the 2012 Official Edition, is hereby amended by striking out the first sentence and inserting in place thereof the following sentence:— A vehicle, whether stationary or in motion, on a public way, shall have attached to it headlights and taillights which shall be turned on by the vehicle operator and so displayed as to be visible from the front and rear during the period of 1/2 hour after sunset to 1/2 hour before sunrise; provided, however, that such headlights and taillights shall be turned on by the vehicle operator at all other times when, due to insufficient light or unfavorable atmospheric conditions, visibility is reduced such that persons or vehicles on the roadway are not clearly discernible at a distance of 500 feet or when the vehicle’s windshield wipers are needed; provided further, that this section shall not apply to a vehicle which is designed to be propelled by hand; and provided further, that a vehicle carrying hay or straw for the purpose of transporting persons on a hayride shall display only electrically operated lights which shall be 2 flashing amber lights to the front and 2 flashing red lights to the rear, each of which shall be at least 6 inches in diameter and mounted 6 feet from the ground.”

What happens for drivers that fail to comply?

If the weather required that windshield wipers be used but you do not illuminate your headlights, you can be pulled over by a police officer. They can warm you of the new law, or even give you a nominal ticket for the infraction. The more important factor to consider is that this infraction is considered a traffic violation, meaning that it could raise your auto insurance rates the next time that you renew your policy.

Every Massachusetts driver will need to follow this new law starting on April 7, so make sure to pass the news on to your friends and family. One great way to do that is to send them a link to this blog post. Also take the time to tell them about the great experiences that you’ve had with the insurance professionals here at Vargas and Vargas Insurance Agency, and let them know that an auto or home insurance quote is only a phone call away!

The Power of Testimonials for Massachusetts Businesses

Posted on March 30, 2015April 2, 2017 by cvargas

Business owners know the power of marketing. After all, potential customers won’t patronize your business unless they know you exist, right? So many businesses nowadays focus on a plethora of different technological marketing techniques. While we won’t deny that it’s important to have a good website and a Facebook page, also make sure that you’re not neglecting other significant factors. One of the most overlooked portions of a business’s online presence has been around for hundreds (even thousands) of years – the testimonial.

You can have the best SEO, post on Facebook and Twitter, and everything else. In the end, though, there will always be people who wait to purchase from you until they receive a positive review or testimonial. This can be reading a review on Yelp or on your website, or even a recommendation from a friend or coworker. So how do you get these testimonials? Just ask!

Let your customers and clients know that you’re looking for reviews. Ask them to give their honest opinion of your business. If you’re looking for longer reviews, here are a list of questions adapted from Big Brand System that will help guide customers to write a review that will help others see the benefits of using your business:

What was your situation before you started buying from our business?
What problems does our business help you solve?
Did you have any hesitations about our business? If so, what was the truth behind your qualms?
Which of our products or services do you typically purchase?
What results do our products or services help you achieve?
What specific feature do you like most about what we do?
What are three other benefits of doing business with us?
Would you recommend us to others? If so, why?
Is there anything else you would like to add?

If your raving fans could answer just a few of these questions, you would have a review worthy of posting on your website and on social media. Send out a bulk email to your client list asking for a review with this list of questions attached, and you are sure to get a few glowing responses that will help others realize that they are missing out if they aren’t using your business.

If you want to focus on more than just a website-based review system, you can also direct your fans to post reviews of you on external sites, including Facebook, Yelp, Google, and more. Also see if there are any review sites specific to your industry – like Expedia and Trip Advisor for travel and tourism businesses.

To encourage your customers to review your business, consider offering some sort of a reward to customers that give you a testimonial. Enter them into a drawing for a new gadget or a vacation, or give them a coupon to use the next time that they use your business. Just remember – the better the offer, the more reviews you will likely receive.

If this blog has inspired you, consider showing your appreciation by leaving a review for Vargas and Vargas Insurance Agency on Facebook or on Yelp! And make sure that you consider calling our agency at 617-298-0655 the next time you need a Massachusetts business insurance quote.

Top 8 Causes of House Fires

Posted on March 27, 2015April 2, 2017 by cvargas

According to the National Fire Protection Association, there are more than 360,000 home structure fires every year. Together, all of these fires cause between six and eight billion dollars worth of damage. Here at Vargas and Vargas Insurance Agency, we don’t want any of our clients to be included in this pool of house fires, which is why we so often feature blogs about how to prevent home disasters and home insurance claims.

Today, our focus is on the top 8 causes of house fires, and what you can do to prevent your home from going up in flames due to these sources:

1. Candles and Flame – Never leave a candle burning unattended, and don’t put a candle near any flammable object. If using a pillar candle, make sure that it is standing steady, and won’t tip over. Also make sure that candles are thoroughly doused before leaving the room.

2. Cigars and Cigarettes – Smoke outside of your home, and always ash and snuff into wide and sturdy ashtrays so that live ashes don’t fall onto flammable objects. Also never smoke when you’re tired, or around medical oxygen tanks.

3. Electrical Equipment and Wiring – Never overload an outlet or extension cord. Make sure that you use the correct type of cords in different situations, and consider having a professional check your home’s wiring annually. Also think about updating your wiring if you live in an older home with K&T wiring.

4. Washers and Dryers – Clean out your dryer’s lint trap after every load. Dryers should vent to the outside of the home and nothing should block the pipe. The area around your washer and dryer should be free of flammable objects and combustibles.

5. Lightning – If there is a lightning storm, stay away from doors and windows. You should also unplug major electrical appliances like your television and computer during major storms.

6. Children – Keep matches and lighters out of the reach of young children, and begin teaching fire safety at a young age. Also ensure that children have adequate supervision at all times.

7. Christmas Decorations – If you have a live tree, make sure to keep it sufficiently watered, and get rid of it before it dries out. Always turn off all lights and other electrical decorations before leaving the room or going to bed. Also ensure that lights are safe and free of electrical issues before using them to light a tree or decorate your home.

8. Kitchen Appliances – Never leave cooking food unattended. Know how to handle a kitchen fire, including a grease fire and an oven fire. Don’t wear clothing that is too loose when in the kitchen, and ensure that smoke detectors in the home are working and that a fire extinguisher is nearby.

Following all of these tips should help you to make sure that your home is at a decreased risk for a house fire, but remember that it’s always important to prepare for the worst case scenario. Stay tuned to the Vargas and Vargas Insurance blog for a future piece about what to do if you are the victim of a house fire from the Boston home insurance experts, and make sure that you call 617-298-0655 if you need an insurance quote.

7 Boston Home Insurance Tips for April Showers

Posted on March 25, 2015April 2, 2017 by cvargas

Can you believe that the first quarter of 2015 is drawing to an end? This year is flying by, and here at Vargas and Vargas Insurance Agency, we are preparing for the next portion of the year, where we plan to continue to impress our clients with our commitment to customer service and community outreach. As we continue to grow and improve our business, we hope that you will strive to continue improving and protecting your home with Boston home insurance through our agency.

As March ends and April begins, there are a few housekeeping tasks that should be added to your ‘To-Do’ list. They concern the famed “April Showers” that seem to come every spring, preparing us for the blooming of May flowers and the summer heat.

Here are 7 Boston Home Insurance Tips for April Showers:

1. Before storms bring high winds and strong rain, make sure that the landscaping on your property is trimmed. Remove dead and loose branches from trees and bushes so that they do not go sailing through your property during a storm.

2. High winds are dangerous for more than just flying branches. If you know a storm is on the way, move patio furniture and other loose items inside so that they do not become projectiles.

3. When a thunderstorm approaches, go through your home and unplug any unnecessary electronics. This means that you should leave the fridge running, but devices like computers should be shut down until the storm passes.

4. One of the best ways to avoid water damage in the rainy season is to ensure that your gutters are clean and free of blockage. You should also check to make sure that the weather stripping on your doors and windows is airtight.

5. Check your roof for damaged or loose shingles, which is another leading cause of water damage. If you find any problem areas, make an appointment with a professional roofer to asses and fix the problem before it has the chance to get worse.

6. In case of a severe storm, have an emergency kit ready. Also ensure that your family has a communication plan in place for emergencies.

7. During storms, you and your family should take shelter in a sturdy building. Avoid getting too close to doors and windows until the storm passes. Some sources also advise to avoid contact with plumbing such as sinks and showers because plumbing can conduct electricity.

Performing all of these tasks will help to make sure that your home is ready for the upcoming April Showers. These storm will likely continue throughout the spring and summer, so make a note to occasionally re-check this list. Some of the items (like checking landscaping, clearing out gutters, and being aware of roof damage) should be done often to avoid damages. If a storm does damage to your home, make sure to contact your Boston home insurance agent right away to being the claim process.

Are there any more items on your spring ‘To-Do’ list? If so, let us know what you will be up to around the house on the Vargas and Vargas Insurance Facebook Page.

Bruce Jenner’s Auto Insurance Woes

Posted on March 23, 2015April 2, 2017 by cvargas

Here’s a name that you may not have heard in a while: Bruce Jenner. Most famous for winning a gold medal in the decathlon at the 1976 Summer Olympics in Montreal. Jenner has been in and out of the press over the last forty years thanks to his movie and TV work, including several years on Keeping Up with the Kardashians.

Recently, though, it’s not his TV appearances that have him making headlines – it’s a car accident. TMZ reported the accident on February 7th, stating that Bruce crashed into at least one car around noon. There were reportedly four cars and at least seven people involved in the accident. While Bruce wasn’t visibly hurt, one woman was killed in the accident.

Bruce Jenner Auto Insurance Woes on Car Crash — Photo Courtesy: RadarOnline.com

Since Bruce allegedly caused the accident, it will be up to his auto insurance policy to cover the costs associated with it. Unfortunately, it has been found by Radar Online that Bruce only had insurance coverage up to $250,000 – not nearly enough to cover the cost of the accident that he caused, especially if the family of the deceased woman decides to sue him for additional damages. Even though he is reported to be worth millions of dollars, this accident may cause him financial ruin – something we’re sure he wasn’t expecting. That’s the moral of this very sad story – disaster can come when you’re least expecting it, so make sure that you are prepared with proper insurance coverage.

Auto insurance is key when you’re looking for financial protection on the road. Think about it this way: if you cause an accident, you will be held responsible for the cost of fixing all of the damage done. This obviously includes damage to the car or cars involved, but also damage to other types of property (including structures, signs, etc) and damage to people involved (and these medical bills can add up fast).

These damages will probably be rather low for a small accident or fender bender, but you never know if and when you will be involved in a major accident like Jenner. As the saying goes, you should “Prepare for the worst and hope for the best.” While no one wants or expects to cause a horrific accident, you should be carrying enough auto insurance to protect yourself – just in case.

The same also goes for other types of insurance. Carrying the minimum amount of coverage (as defined by the state of Massachusetts) is typically ill-advised. You will find that insurance premiums from Vargas and Vargas Insurance Agency are very affordable, and will provide you coverage in the worst case scenarios in their respective situations, from auto accidents to home destruction, to earthquakes and health issues and more.

If you don’t want to face the same potential financial ruin as Bruce Jenner, we advise you to call Vargas and Vargas Insurance Agency at 617-298-0655 right away. One of our dedicated insurance experts will be happy to provide you with a Massachusetts insurance quote for a policy that will ensure that you and your loved ones are financially protected in even the most distressful situations.

Never Pay For These Items with Cash

Posted on March 20, 2015April 2, 2017 by cvargas

We buy so many things today, that it’s easy to just pay for something without thinking of the payment method you use. While it typically doesn’t matter how you choose to pay for an item, there is a small list of things that you should never pay for with cash. Here is a list of a few of the items that you should pay for without use of bills, and a short explanation for why:

Rental Cars

Did you know that credit cards offer a variety of benefits when you use them to book a rental car? In fact, in most cases, your credit card will offer insurance for your rental, allowing you to decline the additional insurance offered to you at the rental counter. They will even sometimes offer free roadside assistance. You may also be covered by your Massachusetts auto or home insurance policies – just call our office for more information.

Plane Tickets

As with rental cars, paying for plane tickets with a credit card has its benefits. These depend on the credit card company that you use, but could include baggage loss protection, free airport lounge access, emergency translation assistance, and more. These are all perks that you wouldn’t be eligible for if you paid cash for your tickets!

Medical Expenses

When it comes time to do your taxes, you may need records of all of your medical expenditures to qualify for certain tax breaks. If you paid your medical bills in cash, you may be out of luck. However, if you used a card, you will have a statement to prove when you incurred expenses, as well as how much you paid.

Donations to Charity

Another record that you will need to have when it’s time to file your taxes is the amount that you spent on charitable donations so that you can properly deduct your charitable donations. As with medical expenses, having the expenses documented on your credit or debit account will make things easier – which is something we all desire when taxes are involved!

Appliances

Did you know that credit cards typically offer extended warranty protection? This means that you will be protected if your appliances break for a while even after the manufacturer’s warranty expires – just call your credit card company and explain your situation – they may be able to offer you a full refund. This added protection is only something that you can get on items that you pay for with your card, though!

A House

Some people are under the impression that ‘the bigger the down payment, the better.’ While it’s true that a bigger down payment will decrease your monthly mortgage payment, your money could be better spent elsewhere. It turns out that paying a smaller down payment and investing the rest of your money in the stock market will typically result in better returns for your money. Talk to a financial planner to learn more.

If you need any more tips about buying a home, feel free to visit Vargas and Vargas Insurance’s sister site, First Time Home Buyer Tools. There, we blog about all sorts of tips and tricks that you can use when buying a home – including making sure that you don’t pay in cash! Also remember that when you buy a home, Vargas and Vargas Insurance Agency is the first stop that you should make for your Massachusetts home insurance policy – just call 617-298-0655.

Will My Home Insurance Cover Dog Bite Claims?

Posted on March 18, 2015April 2, 2017 by cvargas

Do you have a dog? It has been estimated that there are over 80,000 dogs were living in the US as pets in 2014, and that number has been growing steadily for several years. One thing that we believe all dog owners should know is that no matter how good tempered your pet is, there is always the change that you could have to make a home insurance claim one day due to a dog bite. If that day ever comes, the folks here at Vargas and Vargas Insurance Agency want to make sure that you are covered.

The Most Dangerous Dog Breeds

While every breed of dog has the potential to be dangerous, one type of dog has been statistically shown to be the most dangerous. The most hazardous dogs tend to come from the Molosser breeds, a category of solidly built, large dog breeds that all descend from the same common ancestor. Molosser breeds include Pit bulls, Rottweilers, Mastiffs, Boxers, among others.

While these breeds account for only 9% of the dog population in the US, they are responsible for 81% of harmful attacks, including 76% of attacks on children, 87% of attacks on adults, 72% of dog bite fatalities, and 81% of maiming attacks. Because of this, some insurance policies will not cover these breeds of dog. If you have a Molosser breed of dog, or are thinking of purchasing one, please contact your Boston home insurance representative to talk about your insurance options so that you will be covered in all situations.

A Typical Dog Bite Claim

Will my home insurance cover dog bite claims?Here are a few facts about dogs and dog bites that every pet owner should know to aid in their full understanding of just how financially (and medically) serious a dog bite claim can be. According to the Insurance Information Institute:

4.5 million people suffer dog bites each year.

Of these 4.5 million, almost 900,000 require medical attention due to the severity of their injuries.

In 2013, there were over 17,000 claims nationwide due to dog bites.

The average cost per claim in 2014 was over $32,000.

Insurance providers paid out over $530 million in dog-related claims in 2014.

Would your home insurance policy completely cover you if your dog were to cause a claim? If your insurance is insufficient, you could end up paying the costs out of pocket, which could be financially devastating.

Specialized Home Insurance Coverage

If you have (or are thinking of purchasing) a dog, please call Vargas and Vargas Insurance Agency at 617-298-0655 so that one of our agents can check your MA home insurance policy. We will make sure that your policy will cover you in case of a dog bite, that it covers your breed of dog, and will ensure that you have the right amount of liability coverage for this event. If you have any questions about how your home insurance coverage would handle a dog bite, or if you have any other insurance questions, feel free to call and talk to us at any time – Vargas and Vargas Insurance is your #1 resource when it comes to Massachusetts home insurance policies!

Do You Have a Living Will?

Posted on March 16, 2015April 2, 2017 by cvargas

No one ever expects to be in a serious accident, but it is important to always make sure that you plan for the unexpected. That’s why you purchase insurance policies, and it’s the same reason why you should have a living will.

When you’re done acquiring a life insurance policy from the experts here at Vargas and Vargas, take the time to write up a living will. In the rare event that you are injured and unable to communicate your health care wishes to your doctors and loved ones, this document will legally outline explicit instructions regarding your wishes.

Do you have a living will? Here are a few suggestions of what should be included in your living will or health care directive:

Designation of a health care proxy – Your living will is a guideline in the event that you are permanently unconscious. It will not be able to make your wishes clear in every potential situation. Because of this, you will need to appoint a health care proxy, a person that will interpret your health care directive and make decisions on your behalf. In order to ensure that this person is aware of your intentions, you should speak with them about your wishes while you are healthy. It may be a difficult conversation, but it could mean a world of difference in the long run.

The point at which care should be discontinued – In some cases, people wish to have certain treatments be administered, but only while improvement is possible. It is helpful to health care professionals and families if there is express statement of the period of time that these can be administered if no improvement is shown. For example, you may wish to allow a feeding tube in the initial stages of treatment, but wish to discontinue its use if no improvement is shown in your condition.

Desired palliative care measures – You should think about and express the pain relieving measures that should be taken if you do not wish to accept life-prolonging treatments. This list can include medicines, or even whether or not you would like to be moved from the hospital into the comfort of your own home.

Treatments to exclude – If there are any types of treatment that you do not wish to have, make sure that these are stated in your living will. Common items on this list include a ventilator, intravenous feeding tube, blood transfusion, and dialysis, to name a few.

If you have any questions about medical treatments while creating your living will, you can talk to your doctor. He or she will be happy to answer any questions you may have about the benefits and drawbacks of medical treatments, and can give you resources that could help to inform you while you make these very important decisions.

Once your living will has been created, call Vargas and Vargas Insurance Agency for a life or health insurance review. We will help to ensure that you have the right amount of coverage to take care of your final expenses, and more. It’s free and easy to get an insurance review for any of your policies – just call our agency at 617-298-0655. We are always happy to help you evaluate your insurance needs, and to give out free quotes.

Is Ride Sharing Worth the Risk?

Posted on March 13, 2015April 2, 2017 by cvargas

When was the last time that you needed a ride at the last minute? If you didn’t want to inconvenience a family member or friend, you may have called a taxi or scheduled a ride through a limousine company. There is a new option entering the market for people in this predicament, though. It is called “Ride Sharing,” and though the concept may sound technologically savvy, it presents several concerns to drivers and passengers that use the associated apps.

The Rise of Ride Sharing Apps

In the old days, you used to have to hire a limo or a cab if you needed a ride on short notice. Nowadays, though, there are several apps that provide Ride Sharing services. It’s a way for drivers to earn some extra cash providing rides whenever they can, using their personal vehicle.

Using one of these apps as easy as installing Uber, Lyft, or Sidecar and requesting a ride. A verified driver will pick you up and take you to your destination. You can even pay the driver, rate them, and tip them through the app in most cases.

The Auto Insurance Conundrum

For the most part, a ride that is taken (or given) with a ridesharing app can be broken down into three parts. The first is when the driver is looking for work, but does not yet have a client. The second is when the driver is on their way to a waiting client. And the third (as you could probably guess) is when the driver is transporting the client.

The issue that is cropping up all over the country is this: What happens when a driver is in an accident? Ride Sharing companies claim to provide excess liability insurance for their drivers, but consider this scenario: in California, an Uber driver hit and killed a six year old girl on his way to pick up a customer. The driver’s personal auto insurance policy says that Uber should be responsible because the app was active, but Uber is refusing liability because there was no passenger in the car at the time of the accident. And that’s just one example of a case – there are many more cases like this happening throughout the country, and drivers are learning the hard way that the insurance situation in these cases is very complicated.

Insurance Loopholes

An infographic provided by our friends at Arbella Insurance shows just a few of the insurance loopholes that you may encounter if you drive for a ridesharing company:

If you are running a ride sharing application, your personal auto insurance policy may not cover you for damages or losses.

Violations and accidents that occur when you are running a ride sharing app could still cause an increase in your personal insurance rates.

Ride Sharing services may provide you with additional liability insurance, but their coverage may have significant gaps. Deductibles on their insurance may also be as high as $1,000. And if they don’t provide enough coverage, you could be responsible for the difference!

So before you start to hire out your car to make a little bit of extra cash, you should carefully consider the risks that you could be undertaking. If you are still interested in taking part in the Ride Sharing phenomenon, make sure that you call your Vargas and Vargas Insurance agent at 617-298-0655 before you even think about picking up your first customer. As auto insurance experts, we will be able to help you ensure that you’re covered in all of the situations that you encounter on the road – even if you have a client in tow.

*Edit: There is now coverage available for drivers while they are logged in to ride sharing apps but do not have an active passenger. Read more on Insurance Journal here: ISO Introduces Endorsements to Address Ridesharing Policy Gaps

Does Your Home Pass This Safety Checklist? – Part 2

Posted on March 11, 2015April 2, 2017 by cvargas

It’s time for the second part of our home safety checklist! As we stated in the first part “Does Your Home Pass This Safety Checklist” of this two part blog series, there are two important ways to protect your home. The first is with a top notch Dorchester home insurance policy from Vargas and Vargas Insurance Agency. The second is by regularly ensuring that your home is safe.

We have already covered the safety checklist for many parts of the home, including outside, in the garage and entryways, and the hallways, stairs, living room, and dining room. Now we will share safety tips and concerns for the rest of your home:

Family Room

Seating should be easy to reach and guests and family members should be able to get up and down from chairs without assistance.

Electrical stations (like an entertainment system) should hold wires out of sight and away from walkways.

The room should be clutter free, and easy to navigate without any tripping hazards.

Bathrooms

Hot and cold taps on all showers and sinks should be labeled clearly.

If appropriate, install a grab-bar for added supports near showers and tubs, and next to toilets.

Medicines should be in their appropriate containers, and locked with a child-proof lid if there are little ones in the house.

Kitchen

Frequently used items should be within arm’s reach, instead of being hidden in cabinets or pantries.

Flammable objects like towels, curtains, and potholders should be kept away from heat sources.

Ensure that the ventilation system is functioning properly, and follow the manufacturer’s instructions regarding vent maintenance.

Work and cooking areas should be well lit to avoid accidents.

If necessary, have a stepping stool available that is sturdy and easy to move.

Everyone in your home should know where there is a fire extinguisher, and how to use it.

Laundry Room

Getting clothes in and out of the washer and dryer should be easy. If the appliances are too low, consider installing risers or pedestals.

Laundry supplies should be easy to reach for adults, but out of the reach of children.

Tripping hazards like laundry baskets and dirty clothes should be off of the floor.

Bedrooms

There should be a traditional light or lamp, a flashlight, and a telephone within reach of every bed in your home.

Closets should be clutter-free, and organized properly. Do not store heavy items on high shelves to avoid heavy falling objects.

If this checklist has alerted you to any changes or addition that you need to make to your home, please make sure that you have all major projects completed by a certified professional. They will be able to ensure that everything is done according to Massachusetts building codes.

Have questions about your home insurance policy? Just call our office at 617-298-0655. We will be happy to review your home insurance policy for coverage gaps, and will check to see if you are eligible for any additional discounts. The call will only take a few minutes, so don’t wait!

Does Your Home Pass This Safety Checklist?

Posted on March 9, 2015April 2, 2017 by cvargas

You and your family spend a lot of time in your home, and it is your own responsibility to make sure that it is safe. While it is very important to have the right Massachusetts home insurance policy as protection against danger, you should also focus on doing everything in your power to prevent potential catastrophes.

In this effort, we encourage you to print out the following list and walk around your home, evaluating each point and making notes of what changes and improvements need to be made.

Outside the Home

All areas where there will be foot traffic should have adequate lighting. This includes the driveway, garage, and walkways.

The driveway and all walkways should be smooth and evenly paved to avoid anyone tripping over uneven pavement.

If there are steps up to a porch or front door, they should be well lit and have handrails. Handrails should also be installed on steep walkways.

Ensure that shrubs and bushes are kept trimmed so that they do not breach areas where people or cars will be.

Garage and Entryways

Make sure that there is a clear path from your car into your home. Garage walkways should be free of clutter and lit well.

In the entryway, make sure that the doorway is clear and that the doorbell or knocker is easily visible to guests.

Doormats should be non-slip, and should not have upturned corners.

Locks should be in good working order and all exterior doors should be equipped with an alarm and a deadbolt.

Hallways

Carpets should be slip-proof, or have an anti-skid backing.

Hallway lights should be controlled by a switch at both ends of the hall.

If necessary, ensure that hallways are wide enough to accommodate a wheelchair.

Doorways and Stairs

All doors should open easily. Consider installing lever door handles that are easier for some people to use than traditional knobs.

Stairs should have railings on both sides and each step should be clearly visible.

If a staircase is carpeted, the carpet should be in good condition and present no tripping hazards.

If there are any low beams near stairs where people could hit their head, make sure that they are properly padded.

Living and Dining Room

Rooms should be free of clutter and have clear walking paths.

Flooring (including tile, linoleum, or carpet) should be in good condition and smooth – repair any frayed or chipped flooring or anything that constitutes a tripping hazard.

Furniture should be stable so that it is not a tipping hazard.

Shades or blinds should be securely attached to the window frame or wall, and should open easily.

Does your home pass this safety checklist? We still have lots of tips for keeping your home safe, including instructions for accident-proofing your family room, bathrooms, kitchen, and more! And remember – prevention is your first line of defense, but you still need to have a top of the line Boston home insurance policy for when calamity strikes. For a free home insurance review call Vargas and Vargas Insurance Agency at 617-298-0655.

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