{"id":44,"date":"2021-11-29T04:00:00","date_gmt":"2021-11-29T10:00:00","guid":{"rendered":"https:\/\/www.gobajorek.com\/blog\/?p=44"},"modified":"2021-12-08T19:35:05","modified_gmt":"2021-12-09T01:35:05","slug":"is-classic-car-insurance-mandatory","status":"publish","type":"post","link":"https:\/\/www.gobajorek.com\/blog\/is-classic-car-insurance-mandatory\/","title":{"rendered":"Is Classic Car Insurance Mandatory?"},"content":{"rendered":"<p>Suppose you own a 1964 Pontiac GTO or a 1967&nbsp;Chevrolet Camaro. In that case, you might wonder whether you need car insurance from Bajorek Agency Inc. After all, your classic vehicle isn&rsquo;t a daily drive. The reality is that your antique car is required to have car insurance just like other vehicles. Your collector&rsquo;s car poses risks to other road users like other standard cars, and that&rsquo;s why you are required to purchase classic car insurance.<\/p>\n<p><strong>Mandatory car insurance coverages in New York<\/strong><\/p>\n<p>If you own a car in Rochester, NY, or other parts of New York, you must include the below coverages in your car insurance.<\/p>\n<ul>\n<li>Property damage liability: This coverage covers you when you cause an accident, causing property damage to other people.<\/li>\n<li>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&rsquo;t have to incur this from your pocket since car insurance takes care of it.<\/li>\n<li>Property injury protection (PIP): This insurance policy compensates you for partial loss of income and pays for your medical expenses following a road accident.<\/li>\n<\/ul>\n<p>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.<\/p>\n<p><strong>Optional classic car insurance coverages<\/strong><\/p>\n<p>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.<\/p>\n<ul>\n<li>Comprehensive and collision coverages<\/li>\n<li>Roadside assistance<\/li>\n<li>Uninsured\/underinsured motorist coverage<\/li>\n<li>Spare parts coverage<\/li>\n<li>Cherished salvage coverage<\/li>\n<\/ul>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Suppose you own a 1964 Pontiac GTO or a 1967&nbsp;Chevrolet Camaro. In that case, you might wonder whether you need car insurance from Bajorek Agency Inc. After all, your classic vehicle isn&rsquo;t a daily drive. The reality is that your antique car is required to have car insurance just like other vehicles. Your collector&rsquo;s car [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[10,11],"class_list":["post-44","post","type-post","status-publish","format-standard","hentry","category-classic-car-insurance","tag-bajorek-agency-inc-2","tag-rochester-ny"],"_links":{"self":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":1,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"predecessor-version":[{"id":45,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/posts\/44\/revisions\/45"}],"wp:attachment":[{"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gobajorek.com\/blog\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}