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3462 Monroe Ave
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What Are Some Tips for Maintaining and Protecting Your Classic Car?

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You work hard to keep your classic car looking new for car shows or personal satisfaction. However, have you fully committed to doing all you can to make it last longer and run safely in future years? At Bajorek Agency Inc in Rochester, NY, we offer comprehensive classic car insurance and the following tips for preserving your antique vehicle.

Classic Car Maintenance Tips

Just Say No to Nonoriginal Upgrades

To maintain the value and functionality of your investment, keep as many of the original parts as possible. If you cannot keep all the parts that rolled off the line with your car, find stock parts from the same era to safeguard your vehicle’s value, function, and vintage charm.

Maintenance (Yes, Please)

Regular maintenance should start with oil changes. You or your mechanic should also check the battery, spark plugs, tires, ignition wires, rotor, filters, and other parts. Replace or repair parts when they become unsafe to utilize and don’t forget to top off your fluids regularly.

Waxing the car frequently can protect the original paint, so add that to your maintenance schedule. Additionally, washing the car with a soft rag and gentle automotive soap can help prevent the buildup of grime and road salt, protecting the chassis.

Store Your Classic Car Securely

Park your car in a garage or protected space. You can always show it off at the next show or cruise. Installing video cameras and alarms can help you feel confident that your pretty baby stays stay and sound.

Take It for a Spin

Rubber tires can dry out fast when you leave your car sitting. For many reasons, you should take your car around the block and down the road a few times a month. Besides, it’s another opportunity to show off your classic muscle car, Model T, or luxury vehicle.

Reach Out To Us

Contact Bajorek Agency Inc in Rochester, NY to discuss must-have options for your classic car insurance.

The Top 3 Things to Know About Motorcycle Insurance

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Insurance coverage for your motorcycle is likely the last thing you want to think about when it comes time to ride in the Rochester, NY area. You may even feel that you don’t really have a need for it. However, though the specific requirements vary from state to state, nearly every state requires a minimum amount of coverage.

Below are three things that you have to know about your motorcycle insurance:

There’s Coverage for Passengers

If you often ride with a passenger, ensuring that your policy covers your passenger’s medical expenses can make all the difference should you be involved and an accident. In some states, this coverage is optional while in others it’s required. That being said, it’s always recommended.

Motorcycle Insurance Is for More Than Just Your Motorcycle

In addition to medical bills, motorcycle insurance can also cover the cost of damage caused to someone else’s property during your accident. Some insurance companies even combine motorcycles, scooters, mopeds, ATVs, and UTVs under one umbrella, providing coverage for all of your recreational vehicles.

You Need It. Even If You’re Just a Weekend Warrior.

Let’s face it. Accidents happen. The last thing anyone wants is to be left holding the bag for the full cost of repairs to their bike or other property, whether or not the damage was their fault. By having the proper insurance in place, you can avoid this situation while remaining compliant with Rochester NY motorcycle laws.

Protect Yourself and Your Bike With Help From Bajorek Agency Inc

There’s no shortage of motorcycle insurance options out there, and choosing the right one for you can be a daunting task to handle on your own. Luckily, the team at the Bajorek Agency Inc in the Rochester, NY area can help you find the perfect plan for you so you can protect what matters most. Contact us today to get started!

Types of Life Insurance Policies Demystified

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When it comes to life insurance, there are many different types of policies available to choose from, and all provide a unique set of benefits. Whether you live in Rochester, NY or the surrounding areas, at Bajorek Agency Inc., we understand that navigating the various options can be confusing and overwhelming, which is why we want to help you demystify the types of life insurance policies so you can make an informed decision that’s best for you and your loved ones.

Types of Life Insurance

Term Life Insurance: Coverage for a Specific Period of Time

The first option available is term life insurance, which provides coverage for a certain period of time — usually between 10 and 30 years — and also includes the option to renew once it expires. During this time, if the policyholder passes away, the beneficiary will receive the predetermined amount of money. Plus, term life insurance typically has lower premiums than other types of policies, making it an excellent option for those on a budget.

Whole Life Insurance: Lifelong Coverage with Added Benefits

The second type is whole life insurance, which provides coverage for your entire life as long as premiums are kept up. This policy also accumulates cash value over time, so you can use it for financial planning or to access money in an emergency. Additionally, whole life insurance comes with the added benefit of a death benefit for your beneficiary, allowing them to receive the predetermined amount of money if you pass away.

Universal Life Insurance: Flexible Coverage and Investment Options

Finally, universal life insurance is an excellent option for those who are looking for a more flexible life insurance policy. This type of policy allows you to adjust the premium payments and death benefit amounts, so you can customize the policy to fit your exact needs. Additionally, you can also invest a portion of the premiums in an interest-bearing account, so you can save money and grow your savings over time.

Factors to Consider When Choosing a Policy: Age, Health, and Financial Needs

When deciding on a life insurance policy, there are several factors to consider. Age and health will play an essential role in determining the premium costs and coverage amounts, so it’s important to consider these when selecting a policy. Additionally, you also need to factor in any future financial needs that the policy needs to cover, such as college costs or retirement income. When residents of the Rochester, NY area work with Bajorke Agency Inc., we will help you evaluate all of these factors and narrow down the options to find an excellent policy for you and your family.

No-Fault vs. Fault Auto Insurance States: What’s the Difference?

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A car accident can set off a number of stressful issues, from dealing with car repairs to figuring out medical bills. If you’ve been in a car accident, it’s important to understand whether you’re in a fault or no-fault state to understand who will be responsible for paying your medical bills. 

No-Fault vs. Fault Auto Insurance States

In a fault insurance state, the person who caused the accident is responsible for paying the other person’s medical bills. In some cases, this can stop people from getting the treatment they need as they wait for the other party’s insurance company to pay their bills. In a no-fault insurance state, each driver is responsible for their own medical bills through the personal injury protection (PIP) portion of their insurance plan. 

There are twelve no-fault states in the U.S.: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. If you live in a no-fault insurance state, it’s possible that your overall insurance premium will be lower than if you lived in an at-fault state. This is due to the fact that insurance companies pay less for medical bills since there is no back-and-forth following a car accident that results in injury.

If you’re at fault for the accident, your rates will still likely increase, as your insurance company will still be responsible for the other party’s vehicle repairs.

Searching for the right car insurance for you in Rochester, NY? Bajorek Agency Inc can help. 

At Bajorek Agency Inc, we’re excited to serve the Rochester, NY area. We’d love to chat with you about our auto insurance options and create a policy that makes sense for you and your family. Reach out to us today to learn more.

5 Ways Business Owners Can Protect Their Business

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At Bajorek Agency Inc serving Rochester, NY and the surrounding areas, we make it our number one goal to help local business owners protect the company they have built.

Let’s look at five common ways a business owner can protect their business. 

Proper Insurance 

Having the proper type and amount of insurance in place is one of the best ways you can protect your business from financial hardship. As a business owner, you are at special risk for liability. Insurance can help pay for expenses that could result from a liability case. Insurance is also the best way to protect your property and equipment and to ensure that they are quickly and adequately replaced in the event of damage. 

Security

The next most important way to protect your business is through proper security. Your security will have many layers to it. There is the physical security of your property which must be maintained through security systems, proper locks, and entrance/exit equipment, as well as possibly the need for security staff. There is also cyber security. Today, everything is done digitally and it is important that you invest the proper amount of time and money in this aspect of your business security. 

Training 

This is often an overlooked aspect of business protection, but how you train your employees will have a huge impact on the health of your business. Injuries and security breaches are often a result of poor training early on. Make sure your staff is properly trained to avoid these problems. 

Maintenance 

If you own and operate equipment, staying on top of proper maintenance tasks will have a huge impact on your business’s success. Don’t cut corners with maintenance. 

Give Us A Call

If you would like to learn about our insurance services, please get in touch with us at Bajorek Agency Inc serving Rochester, NY and the surrounding areas. 

Will home insurance pay for the injuries caused by my dog attacking the neighbor’s dog?

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Homeowners insurance creates peace of mind for many homeowners. Many homeowners lack the resources to pay for an unexpected incident or situation concerning their property or home. Homeowners insurance even provides liability protection if you’re at fault for an accident or situation that takes place.

Our Rochester, NY team at Bajorek Agency Inc is committed to helping homeowners understand the benefits of homeowners insurance. 

What are the Benefits of Homeowners Insurance?

Homeowners insurance provides financial and liability protection and coverage for your home, the structures on your property, personal possessions, and more. Your homeowner’s insurance will pay for the repair or replacement of your home, in addition to providing money for living expenses. If the repair of your home requires you to leave and reside somewhere else while it is being repaired, your homeowner’s insurance will pay for housing and living expenses until your home is repaired.

Liability coverage is also a part of a standard homeowner insurance policy. This means that your homeowner’s insurance will cover damage you cause to someone else’s property, bodily injury, and even dog bites.

Will homeowners’ insurance pay for the injuries caused by my dog attacking the neighbor’s dog?

Your homeowner’s insurance policy provides both legal and liability coverage for dog bites. Your homeowner’s insurance policy provides medical coverage. However, the covered amount must be within the limits of your homeowner’s insurance policy.

Any amount over the coverage limits of your insurance policy is the financial responsibility of the homeowner. Homeowner’s insurance liability coverage limits typically range from $100K to $300K.

Contact Us Today

If you have questions about homeowners’ insurance, we’d be happy to help. We can help you explore the benefits of Rochester, NY home insurance. Call us at Bajorek Agency Inc. We’re standing by. 

Classic Cars Are Valuable – Protect Yours with Classic Car Insurance

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Do you own a classic car? Is it adequately insured? When it comes to insurance for a classic car, most claims adjusters have little or no experience when accessing the damage. If you live in or around the Rochester, NY area, the insurance professionals at Bajorek Agency Inc. can provide the coverage you need.

While there are a few major insurance companies that insure vintage or classic cars, you do not get the specialized care you would get with an insurance company that specializes in classic cars.

Here are some features found on a standalone classic car policy that you would not find on a regular car insurance policy:

  • Most car insurance companies only pay claims on the actual cash value of the car. For a classic car, it will be insured on an upfront agreed-upon value basis.
  • You have much more flexibility in your choice of body shops if you have a repair claim.
  • Additional coverage is available for parts, tools, and accessories.
  • Superior roadside assistance coverage that goes beyond what a regular auto insurance policy provides.
  • Coverage on equipment and automobile brought to auto shows.
  • In the event you own multiple classics, you only pay one liability premium rather than one on each car as you would with regular car insurance.
  • As long as it isn’t driven as your primary vehicle, there are no restrictions on mileage.
  • An option for zero deductible is available.
  • Appreciation (rather than depreciation) of coverage. Some vehicles will qualify for appreciation, which means the agreed-upon value will rise.
  • Enhanced labor coverage and towing.

Contact Us Today

Your classic car hobby is an expensive one and one that needs specialized care. Let the insurance professionals at Bajorek Agency Inc. in Rochester, NY provide you with a quote. 

Is Motorcycle Insurance Required in New York?

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All motorcyclists in the state of New York must have liability insurance coverage in place to be able to ride their bikes on public streets, highways, and other roadways. This is the same law as the one that governs all other motor vehicles in the state of New York, although you do not have to secure personal injury protection or underinsured or uninsured motorist coverage for motorcycles like you do for other motor vehicles.

The agents at the Bajorek Agency Inc in Rochester, NY are explaining the different types of motorcycle insurance coverage options you can choose from in addition to the required liability insurance policy you must have in place.

Get The Right Coverage

Collision Insurance

This is a great type of coverage to have in place in the event your motorcycle collides with another vehicle or even a stationary object. This type of coverage, along with comprehensive coverage, is normally required by a lender if you borrowed the money to purchase your motorcycle. It will help you to repair your motorcycle as well as the object or other vehicle that you collided with if it was your fault.

Comprehensive Insurance

Comprehensive motorcycle insurance coverage will assist you in paying for repairs to your bike if it is damaged in a fire or natural disaster. This coverage will also help you out if your bike is stolen or damaged by an act of vandalism.

Contact Us Today

For all of your motorcycle and other insurance needs, contact the experienced and knowledgeable insurance agents at the Bajorek Agency Inc in Rochester, NY today! They can assist you in creating the best motorcycle insurance policy for you and your situation.

Life insurance FAQs

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Life insurance is the most personal of all insurance, and it is a very individual thing. It is how you protect your loved ones even when you are no longer living. At Bajorek Agency Inc in Rochester, NY, we understand life insurance, and we can help you to make the right choices about the amount and type of coverage you need. As independent agents, we can offer our customers the choices they require. 

Life insurance FAQs

Do I need to buy my own insurance if I get some at work?

If it is something that you can afford, it is the best thing to do. There is no guarantee that you will stay at the same job forever. Even if you do stay forever, will you be able to continue to keep it when you retire?  Many employees change jobs quite often in their professional careers. Most importantly of all, do you want your employer in charge of your family’s future? 

Can my life insurance policy be canceled?

Yes, it can. The most common reason is nonpayment. If you are struggling with the payments, you should contact your carrier and see if you can come up with a plan. Another reason why your life insurance may be canceled is if it is discovered that you lied on your original policy application. 

How do I file a claim?

Filing a claim on life insurance is quite easy. First, you notify the insurer that the person who was insured has passed away. You then need to mail them an original copy of the death certificate along with the claim form. You can print the claim form on the insurance website.  As long as you are the beneficiary, it is quick and easy. 

Get Life Insurance Today

Contact us at Bajorek Agency Inc in Rochester, NY for all your insurance needs, including life insurance. 

Auto Insurance FAQs

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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. 

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