If you’re a New York driver, state law requires you to carry auto insurance. Many New York drivers have questions about their auto insurance. If you live near Rochester, NY, our team at Bajorek Agency Inc. is ready to meet you and answer your questions. We’ve been working with drivers like you since 1994.

Is Your Car Difficult to Insure?

You may wonder what to do if your application for auto insurance is declined. According to Insurify, purchasing a car with aftermarket modifications or alterations can make the vehicle a poor insurance risk. Additionally, an insurance company may deny you coverage if your driving record includes multiple at-fault accidents or driving violations.

If you have been denied auto insurance coverage, the New York Auto Insurance Plan provides coverage options through your insurance agent. This plan is specifically designed to offer insurance to individuals who are denied coverage by standard insurance carriers. However, because these policies are offered to high-risk drivers, they are typically more expensive than standard auto insurance policies.

Call Us Today for Your Appointment

Every driver is unique, so your auto insurance policy should fit your specific needs. Our team at Bajorek Agency Inc. wants to build a relationship with you to ensure we select the best insurance for your current needs while continuing to advise you in the future. Drivers in the Rochester, NY, area know they can rely on us for excellent customer service. Call us today to schedule an appointment, and let’s work together to find the right insurance policy for you.

Riding a motorcycle offers a sense of freedom that’s hard to beat—but it also comes with a unique set of challenges. Staying safe on the road means being prepared for the unexpected. At Bajorek Agency Inc. in Rochester, NY, we’re passionate about helping motorcyclists stay protected, both with the right insurance and the proper knowledge.

Beware of Loose Gravel

Loose gravel might not seem like a big deal in a car, but it can be a serious hazard on two wheels. If you see gravel ahead, slow down gradually—don’t brake suddenly. Keep a light grip on the handlebars and try to ride in a straight line until you’re through it. Confidence and calm control make all the difference.

Stay Vigilant for Potholes and Debris

Potholes are more than just annoying—they can throw you off balance or even damage your bike. Try to scan the road ahead so you can maneuver safely around them. If you can’t avoid one, rise slightly off the seat and let your knees absorb the impact to reduce the jolt.

Exercise Extra Caution in Wet Conditions

Rain changes everything. Roads become slick, especially where there’s oil buildup. Ride slower, avoid sudden movements, and give yourself extra space to stop. Painted lines and metal surfaces, such as manhole covers, are especially slippery, so approach them with caution.

Even the most experienced riders can encounter trouble, which is why having solid motorcycle insurance is crucial.

At Bajorek Agency Inc., serving the Rochester, NY area, we’re here to help you stay protected, so you can enjoy every ride with confidence. Contact us today to make sure your coverage is ready for whatever the road throws your way.

Renting a car can be a convenient solution, whether traveling, your vehicle is in the shop, or you need a temporary ride. But before you sign on the dotted line and drive off the lot, it’s important to understand how your auto insurance policy comes into play. At Bajorek Agency Inc., serving the greater Rochester, NY region, we help drivers navigate rental car coverage to ensure they’re fully protected without overpaying for unnecessary extras.

Understanding Auto Insurance Coverage for Rental Cars

In many cases, your personal auto insurance extends to rental vehicles. If your policy includes collision and comprehensive coverage, it may apply to a rental car in the same way it does to your own vehicle. Liability coverage also typically carries over, protecting you if you’re responsible for an accident. However, there may be exceptions, so reviewing your policy before renting a car is always a smart move.

Navigating Rental Car Company Insurance

When picking up a rental, the company will likely offer additional insurance options, including collision damage waivers and liability protection. While these coverages can provide peace of mind, they may duplicate what you already have. That said, if your auto policy has high deductibles or limited coverage, opting for rental insurance could save you from unexpected expenses in case of an accident.

Stay Protected Wherever You Drive

Before renting your next car, ensure you have the right coverage. Bajorek Agency Inc. proudly provides auto insurance throughout the Rochester, NY, area. We’re here to help you understand how your auto insurance applies to rentals so you can make informed decisions. Contact us today to review your policy and ensure you’re covered for every trip.