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Bajorek Agency Inc

3462 Monroe Ave
Pittsford, NY 14534

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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. 

How Often Should I Review My Commercial Insurance Coverage?

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While commercial insurance policies have terms that last for a period of time, it is important to review your coverage throughout the year. It ensures that you have the right amount of protection and that your business is still properly insured. 

Depending on the type of insurance that you have, you may be required to review your policy annually or at certain points during the year to maintain coverage, such as when a policy has expired or when there is a significant change in your business. Consult with Bajorek Agency Inc in Rochester, NY for guidance on this important insurance coverage.

Commercial Insurance Coverage: What You Need To Know

As with any other form of insurance, it’s important to keep tabs on your coverage. Keep tabs on any changes in your business — such as an increase in the value of your inventory or the number of employees — that might require an updated commercial policy. Keep an eye on your commercial insurer and make sure you’re receiving the benefits for which you’re covered. Finally, keep track of the policy expiration date and renew your policy as soon as possible. 

Things like economic conditions, new legislation, and changes in the marketplace can all influence the risk profile of your business, which means that your commercial insurance needs may change over time as well. A small business with commercial property insurance probably won’t need to review the policy as often as a large enterprise with cyber insurance. However, as a business owner, you should make sure to stay up to date on any changes to your policy. 

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Every policy comes with an expiration date, but that’s not the only reason to review your coverage. Every commercial policy comes with a clause that requires the policyholder to maintain “standard” coverage. This indicates that if there is a change in the profile of your company, you may be required to obtain more coverage to keep your commercial insurance policy. For expert insurance advice, consult with Bajorek Agency Inc in Rochester, NY.

Things home insurance won’t cover

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Owning a home is a big step and it comes with some risks. Home insurance offers protection against many of the obvious risks. But you need to understand that home insurance has some exclusions, things it won’t cover, and it is up to you to get additional coverage if it feels right. At Bajorek Agency Inc in Rochester, NY, we work with our customers to customize a perfect home insurance policy for them and their homes. 

Things home insurance won’t cover

Owner neglect

Insurance companies have an expectation that homeowners will maintain their homes. If you have a claim for something that results from owner neglect, your insurance company will refuse to pay. Under owner neglect are things like rodent infestation, mold, termites, and carpenter ants.  If you have these issues, it is expected that you should have treatment to prevent them from happening in the first place. 

Wear and tear

Things like a roof or a furnace have an expected lifetime. They will wear out and your roof may fail or your furnace stop working. These types of damage are not covered. It is up to you to replace them before they cause excessive damage. 

Floods

Floods are one of the most destructive natural disasters. If the reason for the flood is surface water, it is not covered. The good news is that you can purchase flood insurance through the NFIP and if you are concerned, you may want to do it. 

Earth Movement

Most earth movement is excluded from your standard home insurance policy. This includes earthquakes, sinkholes, mudslides, and landslides, 

Sewer backup

If a sewer backs up into your home, it is disgusting, and even worse, it isn’t covered. You will be responsible for any cleanup and repair.

Contact Bajorek Agency Inc in Rochester, NY with any questions you have about home insurance. 

Can I Get Classic Car Insurance if My Car Is Not In Perfect Condition?

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Classic cars usually have a problem or two because of their old age. If you own a classic car that’s not in perfect condition in Rochester, NY, you must wonder whether it’s possible to get classic car insurance. Yes, you can buy classic car insurance if your vehicle is not in perfect condition but here is also what you should expect.  

Classic Car Insurance: Getting the Best Coverage

1. The Existing Problems Won’t Be Covered

Auto insurance is supposed to protect you and your vehicle against unpredictable risks. However, since the existing issues with your classic car are already there. They will be excluded from coverage, and so will the other problems that may arise later because of the existing issues with your vehicle.

2. Higher Insurance Rates

If your classic car is not in perfect condition, the auto insurance provider will see it as a high-risk asset and charge you higher insurance rates. This is because a vehicle not in excellent working condition is more likely to cause an accident that will result in more significant injury to persons and property damage. 

How To Lower The Cost of Classic Cars?  

Bajorek Agency Inc can help you opt for non-owner classic car insurance, which only covers against bodily injury and property damage to other cars and has no auto attached. If your classic car is not running, we recommend that you purchase a parked classic car insurance policy, also known as "storage insurance." It can bring down your premiums by up to 80%. 

Give Us A Call

Are you in the greater Rochester, NY community and looking for more info on classic car insurance? Contact us at Bajorek Agency Inc, and we will answer all your questions.

Is Motorcycle Insurance Required in New York?

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If you own and operate a motorcycle in New York, you are required to have minimum liability coverage that meets the following standards:

  • Bodily Injury Liability: $25,000 Person / $50,000 Accident
  • Death Liability: $50,000 Person / $100,000 Accident
  • Property Damage Liability: $10,000

It is important to remember that these are only the minimum requirements to avoid violating New York law. Most motorcyclists will want to opt for additional coverage to ensure adequate coverage should they be involved in an at-fault accident that injures or damages another person or their property. Additionally, unlike auto insurance policies that require personal injury protection or uninsured/underinsured motorist coverage, motorcyclists do not; however, you should still strongly consider these add-ons. 

To operate a motorcycle in New York, you must have either a Class M/MJ Operator’s License or a Learner’s Permit. After passing a written exam at the DMV, the learner’s permit can be granted. Still, you cannot operate the motorcycle without being supervised by a person with a valid motorcycle license that is no more than 1/4 mile from you. To graduate from a learner’s permit to a license, you’ll be required to complete a road test with a Motorcycle Safety Foundation certified instructor. Suppose you have both a valid driver’s license and motorcycle permit. In that case, you can receive a waiver to complete the road test if you complete a certified educational training course approved by New York law.

For more information on motorcycle insurance or help in purchasing a policy, reach out to the friendly and professional team at Bajorek Agency Inc in Rochester, NY. We’re happy to schedule a no-obligation consultation to discuss our products and how we can help you with your motorcycle insurance needs. 

Is There a Best Age for Buying Life Insurance?

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There’s no one-size-fits-all answer to this question, as the best time to buy life insurance depends on your unique circumstances. However, there are a few things to keep in mind when deciding when to purchase a policy.

1. Deciding to Have a Child

If you plan on starting a family, one of the best times to purchase life insurance is before the baby arrives. Because children are so reliant on their parents, it’s important to buy enough coverage so that your loved ones can maintain their quality of life if something happens to you.

2. After Paying Off Debt

Another way to think about when you should buy life insurance is in terms of your financial situation. For example, if you’ve recently paid off a lot of debt, such as student loans or credit cards, it might be worth considering buying a policy before you rack up more bills. The less debt you have, the better your chances of qualifying for a policy and receiving a lower rate.

3. As Soon as You Get Married

As soon as you get married, it’s a good idea to consider buying life insurance. With a spouse and family to support, your loved ones would be in trouble if something were to happen to you suddenly. So even though the thought of having life insurance might not be very romantic, taking out a policy after getting married is one of the most responsible things you can do.

4. When You Have Dependents Relying on Your Income

If you have a spouse or children who rely on your income, it’s never too early to consider buying life insurance. If you pass away unexpectedly, your dependents would be left without the means to live comfortably and sustain their lifestyle.

Looking For Life Insurance in Rochester, NY?

The best time to buy life insurance depends on your situation. However, you can make a more informed decision about purchasing coverage by thinking about your family and financial situation. At Bajorek Agency Inc., we can help you find the best life insurance for your unique situation. Call us today to learn more.

Teen Driver? Your Guide to Auto Insurance

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Teens in Rochester, NY look forward to the day they can get behind the wheel for the first time after receiving their very own driver’s license. Parents, however, might be a little anxious about this day. This can be for numerous reasons, including needing to secure auto insurance for their teen. Bajorek Agency Inc wants to make this process easy for parents and teens, so here is a brief guide to auto insurance for teens.

Does Your Teen Need Their Own Auto Insurance Policy?

Everyone is aware of the fact that it will cause a significant spike in your insurance premiums when a teenager starts driving. These costs tend to be higher if you allow your teen to have their own individual policy. 

When an individual is added to an existing auto insurance policy, the insurer will take into account that person’s age, driving history, and a variety of other factors that determine your premium. Unfortunately, for teen drivers, most of these considered factors are not available, which makes them a higher risk liability. 

Is It Costly to Insure a Teen Driver?

The good news is these higher rates don’t last forever, as your teen develops a driving history and gets older. Plus, you can get discounts on your policy when your teen maintains good grades or takes a driver’s education course. 

How Do You Add Your Teen to Your Current Policy?

You will want to contact your insurance company ahead of your teen receiving their driver’s license. This allows you to learn more about potential discounts and obtain a quote so you can begin to budget accordingly. 

When your teen receives their official driver’s license, speak to your insurance agent to update your insurance policy. 

If you are looking to update your auto insurance policy in Rochester, NY to add a teen driver, contact Bajorek Agency Inc for assistance. 

Do You Need Insurance For Your Mobile Home?

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When you buy a home, you are required to get homeowners insurance. However, with a mobile home, you may not need to. You may go back and forth, trying to decide what you should do. 

Here are many reasons why you may want to consider getting insurance. 

If you have a mortgage, you are probably going to have to get some. Most loan companies require insurance to protect their investment. They want to make sure that your mobile home is going to be protected while you are still paying for it. Once it is paid off, you may consider canceling your plan if you decide that you want to. 

You can’t afford to replace it. Insurance is there to protect you and give you peace of mind. If something happens to your mobile home, are you going to be able to afford to fix it? If not, you will want to have insurance to fix it for you. Otherwise, you may not have many options if something happens. 

So, what is covered with mobile home insurance? 

Mobile home insurance is just like homeowners insurance. It covers both physical damage to your home, as well as any structures that surround it. This could be a deck or even a shed in your backyard. 

It will also cover any liability. This will protect you if someone is hurt while they are visiting you. It will cover medical bills and any legal fees that you may face if you get sued. 

In order to make the right decision for your home, it is important to talk to a professional. Don’t hesitate to contact us at Bajorek Agency Inc in Rochester, NY. 

Is Classic Car Insurance Mandatory?

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Suppose you own a 1964 Pontiac GTO or a 1967 Chevrolet Camaro. In that case, you might wonder whether you need car insurance from Bajorek Agency Inc. After all, your classic vehicle isn’t a daily drive. The reality is that your antique car is required to have car insurance just like other vehicles. Your collector’s car poses risks to other road users like other standard cars, and that’s why you are required to purchase classic car insurance.

Mandatory car insurance coverages in New York

If you own a car in Rochester, NY, or other parts of New York, you must include the below coverages in your car insurance.

  • Property damage liability: This coverage covers you when you cause an accident, causing property damage to other people.
  • Bodily injury liability: Assume you cause an accident that injures a pedestrian or another motorist. You will be responsible for their medical costs. Thankfully, you don’t have to incur this from your pocket since car insurance takes care of it.
  • Property injury protection (PIP): This insurance policy compensates you for partial loss of income and pays for your medical expenses following a road accident.

New York is a no-fault state, meaning that your insurance policy is responsible for your injuries and damages. Simply said, regardless of who caused the accident, everyone claims compensation from their insurance.

Optional classic car insurance coverages

While you are required to include the above coverages in your classic car insurance, you may opt for optional classic car insurance coverages for well-rounded protection of your vintage car. Here are optional classic car insurance coverages to consider.

  • Comprehensive and collision coverages
  • Roadside assistance
  • Uninsured/underinsured motorist coverage
  • Spare parts coverage
  • Cherished salvage coverage

Would you like to protect your heritage with classic car insurance? If you are in Rochester, NY and its environs, please contact Bajorek Agency Inc. for an affordable quote.

What Are Different Types of Motorcycle Insurance?

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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. 

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