Month: February 2026

Auto insurance is designed to protect you and reduce risks. Most of the time, your insurance adjuster acts as an advocate to ensure you receive the support you need. However, claim denials can happen, often for avoidable reasons.

To minimize these risks, schedule a consultation with Bajorek Agency Inc. We can help you find the most effective auto insurance in Rochester, NY, tailored to your specific needs.

#1: Exclusions

Many auto insurance policies include exclusions, which are specific types of losses that are not covered. You’ll learn about these exclusions when you meet with your insurance provider. By working closely with your insurer, you can select a policy that better aligns with your needs and avoids unnecessary exclusions.

#2: Lack of Evidence

Insurance claims may be denied if you cannot provide sufficient evidence of what happened, where it occurred, or who was involved. For example, if you’re in an accident, be sure to take photos of the damage, collect names and contact information from all parties involved, and file a police report. These steps can strengthen your claim.

#3: Delaying Care

If you sustain injuries in an accident, it’s crucial to seek medical care promptly. The sooner you visit a healthcare provider for an examination, the easier it will be to document your losses and link them to the accident. Additionally, follow your doctor’s recommendations for treatment to support your claim.

Work with an Insurance Company to Get It Right

To avoid claim denials, the best approach is to work closely with an insurance agent to select auto insurance in Rochester, NY, that meets your needs. Contact Bajorek Agency Inc today to learn more about the coverage options available to you.