Auto Insurance FAQs

Auto insurance in New York state is required. You need to at least have liability insurance to protect other drivers and property from you. If you are looking for a family-owned and operated insurance agency, Bajorek Agency Inc in the greater Rochester, NY community offers the personal service that you deserve. 

Auto Insurance FAQs

Does your auto insurance cover you if you drive in Canada?

Typically, your US auto insurance will cover you in Canada. Have your proof of insurance with you. It is always a good idea to call your carrier to make sure that you have coverage in Canada. 

What is gap insurance?

When you have a new car, it loses value as soon as you drive it out of the lot. Your auto insurance will not cover you for what would actually be the replacement cost if your vehicle were totaled. If you get gap insurance, it will pay the difference between the insurance value of your car and the cost to replace that car. 

Do I need more than basic auto insurance?

Legally, New York only requires liability coverage, which is basic insurance. If you have an auto loan or a lease, you will need more than basic coverage. If you count on your vehicle to survive daily activities, you need to be able to replace it quickly. If that is impossible financially, having collision and comprehensive coverage will be a lifesaver. 

Does auto insurance cover a rental car?

It really depends on what you have for insurance on your own vehicle. You will get the same coverage for a rental car, so if you have only liability coverage, then no, you need to have collision and comprehensive coverage. When in doubt, give your insurance agent a call and ask about your coverage. 

Contact Bajorek Agency Inc in Rochester, NY for all your auto insurance needs.