Insurance Blog
Tuesday, 12 May 2020 23:04

Rules of the Road for Bicyclists

Sharing the Road with Motorists

National Bike Month, sponsored by the League of American Bicyclists and celebrated in communities from coast to coast, was established in 1956 to advocate for a bike friendly America, to showcase the many benefits of bicycling, and to encourage more people to try bicycling. Although this year's events are on hold due to coronavirus, the organization is encouraging people to get on bicycles and ride.

Massachusetts Governor Charlie Baker has relaxed the stay at home order, and bicycling is a great way to get out of the house as well as enjoy fresh air and exercise. However, a bicycle is classified as a vehicle, which means bicyclists riding on the roads must obey the same basic traffic laws and regulations that apply to motor vehicle operators.

Before you dust off your bike, fill your tires with air, and map your route, know the rules of the road.

Laws for Bicyclists and Motorists in the Presence of Bicyclists (as amended by Chapter 525 of the Acts of 2008)1

According to Massachusetts Rules of the Road, Chapter 4, "Bicyclists have the right to use all public ways in this state except limited access or express state highways where signs specifically prohibiting bicycles have been posted. When riding on public ways, bicyclists must obey the same basic traffic laws and regulations that apply to motor vehicle operators. The rules for bicycles (including amendments) are listed [below]."

As we are all aware, the Covid-19 virus is now significantly impacting our daily lives and causing concern nationally and globally. The health and safety of our families, friends, employees, and clients is our top priority. As insurance professionals, we recognize that we have a responsibility to our clients, and we need to continue to provide all insurance agency services without interruption or delay.

Our Agency is managing the risk associated with the virus by taking the following steps: Effective March 17th, many employees of Baldwin, Welsh & Parker Insurance Agencies will be working remotely until further notice. We will remain fully operational, but are discouraging all visitation to our offices except for emergencies. Please call or email us for any insurance need you may have. In addition, we encourage you to visit our website to access insurance company claim and billing services.

On behalf of all of us at Baldwin, Welsh & Parker Insurance Agencies, we wish you all good health, and we know you share our confidence that we will demonstrate resolve andnresiliencenas we face the Covid-19 challenge before us.

If you have any questions or concerns, please contact us.

Sincerely,

David C. D’Orlando                         Steven E. Joyce
President                                           Vice President

Tuesday, 10 March 2020 14:39

What is Umbrella Insurance?

What is Umbrella Insurance?

Umbrella insurance provides excess liability insurance coverage that goes beyond the limits of the your homeowners or auto insurance policies. It offers additional protection in the event that you are sued for property damage or injuries. It also protects against libel, vandalism, and slander. The following explains how umbrella insurance works.

Is umbrella insurance necessary?

It’s important to first understand what is covered by standard homeowners and auto policies as well as the potential benefits of umbrella policy. The following may help you decide if umbrella insurance is appropriate for you.

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