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While both cars and motorcycles share the road, the way they’re insured is somewhat different. Understanding these differences helps riders make smarter coverage decisions. Here at Bajorek Agency Inc., our team members help motorcycle owners in Rochester, NY, protect their bikes well.
More Coverage for Injuries
Motorcycles offer far less physical protection than cars, which means the risk of injury in an accident is much higher. As a result, motorcycle insurance often includes higher medical coverage options and may require additional protection for bodily injury.
Riders should ensure they have coverage that accounts for hospital bills, rehabilitation, and even lost wages after an accident. We at Bajorek Agency Inc can help determine what limit makes sense for you.
Add-On Options for Accessories or Mods
Bikers frequently customize their bikes with aftermarket parts, chrome upgrades, saddlebags, or custom paint. Unlike most standard car policies, motorcycle insurance often offers accessory or equipment coverage to protect these modifications. Many also include protection for safety gear like helmets.
Discounts for Seasonal Usage
With the cold and snowy winters that Rochester, NY, regularly sees, most bikers take their motorcycles off the road for part of the year. Many insurers adjust motorcycle policies for seasonal use, allowing riders to save on premiums during the months they don’t ride. This flexibility isn’t typically available with car insurance, which is expected to be used year-round.
When adjusting coverage for off-season storage, it’s important to make sure the bike is still insured against damage from fires, vandalism and similar perils. Our agents can assist with this, too.
Get Custom Motorcycle Insurance
Motorcycle insurance isn’t one-size-fits-all, and neither is your coverage. To make sure you’re fully protected, contact our agents. One of our team members can review your policy and help you get customized protection for every ride.