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3462 Monroe Ave
Pittsford, NY 14534

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What Are Different Types of Motorcycle Insurance?

Owning a motorcycle comes with a lot of fun. However, it is also associated with risks and dangers. Therefore, if you are thinking of getting a motorcycle, you should not forget about purchasing motorcycle insurance, the purpose of which is to protect you on the road and provide you with proper coverage if an accident occurs. There are several types of motorcycle coverage, and here is a brief review of a few of them: 

Motorcycle Coverages

Most motorcycle insurance policies include collision coverage, comprehensive coverage, and liability coverage. Let’s discuss each of them:

  • Collision coverage. Collision coverage is the type of coverage that covers damage to your motorcycle caused by a collision with another vehicle or object. 
  • Comprehensive coverage. This coverage, that is sometimes called "other than collision", covers a motorcycle if it was stolen or damaged by an animal.
  • Medical payments coverage. This type of coverage handles medical costs that are incurred by either your or other passengers who are injured in a road accident. 
  • Roadside assistance. It is not a mandatory type of coverage, but it is worth having it because it provides roadside assistance in the event of a breakdown. Without this coverage, on-site towing and labor can be quite expensive. 

Bajorek Agency Inc. serving clients in Rochester, NY – Get Proper Protection For You and Your Vehicle

If you are a lucky motorcycle owner living in Rochester, NY or any other nearby town, you should purchase proper motorcycle insurance before hitting the road. At Bajorek Agency Inc, experienced insurance agents will answer your questions about different types of motorcycle insurance and coverage and will help you choose a policy addressing your needs and requirements. Feel free to check the agency’s website or call to receive all the information you need. 

3 Areas Covered By Your Motorcycle Insurance

Rochester, NY is a fantastic place to call home. This area provides residents with plenty of experiences and opportunities to explore New York City and the surrounding areas. If you are down to explore the area, getting a motorcycle could be a righteous idea, but you should make sure you get motorcycle insurance from Bajorek Agency Inc. before hitting the road.

Obtaining motorcycle insurance not only gives you peace of mind while riding but covers the below areas.

Your asset

When keeping count of your assets, your motorcycle should be somewhere among the top investments you own. Why? Because you have put money on it and because your bike serves you in many ways, like running errands, exploring the city, and so forth. With this in mind, you wouldn’t want anything to damage your valued asset.

Motorcycle insurance covers damages or replacement of your bike if you are involved in an accident. Even in theft, vandalism, or fire damage, comprehensive motorcycle insurance can save the day by replacing your bike up to the policy limit.

Liability

Another important reason you need to obtain motorcycle insurance is to protect you against liabilities, which can land you in financial ruin. Accidents do happen regardless of how careful you are on the road. That said, there is always a risk that you can cause damage or bodily injury when riding your bike. 

Fortunately, when you are carrying motorcycle insurance, you don’t have to cover medical costs, legal costs, and property damage costs from your pocket. Your insurance can pay for these costs up to your liability limit.

Motorcycle insurance in New York

Are you searching for motorcycle insurance? You are on the right track because you comply with New York laws and protect yourself and the bike when you carry motorcycle insurance. At Bajorek Agency Inc., we can help you get the right motorcycle coverage. All you need is to contact us today, and we shall handle the rest.

How can I pick a motorcycle insurance policy?

When you are in the Rochester, NY area, there will be many great ways to get around town. One great mode of transportation to consider getting is a motorcycle. Those who have a motorcycle here will have a fun mode of transportation and have a safe and reliable mode of transit. If you do get this coverage, you need to make sure that you get motorcycle insurance. There are several tips to follow that can help you pick a policy.

Consider Liability Needs

One factor to consider when choosing a motorcycle insurance policy is to consider your liability insurance needs. If you do buy a motorcycle, you will have liability insurance needs to comply with state rules in New York. If you pick a motorcycle insurance policy, it can ensure that you comply with these rules and regulations.

Consider Collision and Comprehensive Needs

Another factor to think about when you are shopping for motorcycle insurance is your collision and comprehensive insurance needs. When you get a motorcycle insurance policy with full coverage, it can help ensure that you are covered if your vehicle is damaged or stolen. This insurance is needed if you have taken out a loan or have a valuable vehicle that you would like to protect. 

When you are shopping for a motorcycle insurance policy in the Rochester, NY area, you should call Bajorek Agency Inc. The team at the Bajorek Agency Inc can help you better understand all of your needs and options. The team here will give you the support you need to pick a policy that will give you the appropriate coverage. They can do this by assessing your needs to help you pick a policy. 

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