Add the tomatoes and their juices, the drained black beans and kidney beans, vegetable broth and bay leaf. Stir to combine and let the mixture come to a simmer. Continue cooking, stirring occasionally and reducing heat as necessary to maintain a gentle simmer, for about 45 minutes. Remove the chili from heat.
Mix in the vinegar, to taste. Add salt to taste, too, if you like. I sometimes will add about ¼ teaspoon more. Divide the mixture into individual bowls and serve with garnishes of your choice. We’ve always served our chili with spaghetti noodles but that’s up to you!
This chili will keep well in the refrigerator for about a week.