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Fenzl Insurance Agency

138 Main Street
Hamburg, NY 14075

Tag: ny

Do You Need Motorcycle Insurance in Hamburg, NY?

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Driving a motorcycle involves unique risks, and accidents can be severe. The right insurance is essential to protect yourself, your passengers, other drivers and your bike. Learn more from the professionals at Fenzl Insurance Agency, serving Hamburg, NY and surrounding areas. 

What Does Motorcycle Insurance Cover?

Standard motorcycle insurance policies cover bodily injuries, property damage and liability to others. They can help guard against losses caused by:

  • Bodily injury

  • Property damage

  • Liability and lawsuits

  • Medical payments (MedPay) for you and your passengers

  • Personal injury protection (PIP) for you and your passengers

  • Damage to your motorcycle

  • Theft of your motorcycle

  • Vandalism to your motorcycle

Most states require you to have standard coverage with a minimum amount of liability coverage. Optional motorcycle coverage includes comprehensive and collision insurance. If you ride without insurance or lack the proper coverage, you could be fined, have your license revoked, suffer a court-ordered financial judgment or even land in jail. 

How Do You Find the Right Motorcycle Insurance?

Selecting which coverages are right for you will depend on the following:

  • Your state’s laws

  • Your bike and its value

  • Whether you want coverage for your injuries if you’re involved in an accident

  • How much protection you want for your belongings

  • Whether you want coverage for damage to your bike

Give Us a Call For More Information

Whether you are the proud owner of a brand-new bike or have been riding for years, understand the insurance you may need. With the right motorcycle coverage, you’ll be ready for almost anything that comes your way. Contact us at the Fenzl Insurance Agency, serving Hamburg, NY and surrounding areas, for more details about New York’s motorcycle insurance laws and your available coverage options. We’re here to help and can explain the right motorcycle insurance coverage for your situation.

What Should I Know About Filing a Home Insurance Claim?

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If your home has recently been damaged during a covered event, you may be thinking about filing a home insurance claim. The professionals at Fenzl Insurance Agency, servicing Hamburg, NY, can help you with this process. Filing a home insurance claim can be intimidating, but it’s easier when you have an industry professional walking you through the process.

When Can You File a Home Insurance Claim?

You can file a home insurance claim when your home or belongings have been damaged in a covered event and the cost of the recovery exceeds your deductible. What’s covered under home insurance policies can vary, but here are some examples:

  • Fire
  • Theft
  • Vandalism
  • Lightning
  • Windstorm
  • Hail
  • Falling objects
  • Weight of ice and snow

For a full list of what is covered under your home insurance policy, refer to your policy document. You can also contact the professionals at Fenzl Insurance Agency if you can’t find a copy of your policy document.

What Happens During a Home Insurance Claim?

Filing a home insurance claim starts with a phone call to your insurance agent. The sooner you file your insurance claim, the faster you can start recovery, so contact your agent as soon as you’re able. There are also time limits for filing a claim so don’t delay, and document everything thoroughly.

Your insurance agent will help you kick off the process. Every insurance company has a slightly different process for filing a claim. Some insurance companies may require you to fill out a form, while others may put you in touch with a claims adjuster immediately.

Need to Start the Home Insurance Claim Process? Call Us.

If your home has recently been damaged in a covered event, the professionals at Fenzl Insurance Agency, servicing Hamburg, NY, can help you file an insurance claim. Call today to speak with one of our insurance experts.

Does Motorcycle Insurance Cover a Sport Bike in Hamburg?

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Sport bikes are motorcycles designed for speed and agility, whether on the road or a racetrack. These high-performance machines often come with a higher price tag compared to cruisers or touring motorcycles. In New York State, sport bikes are required to be insured.

Due to their advanced engineering, sport bikes are attractive targets for thieves. Additionally, their agility and high speeds can increase the likelihood of accidents. For these reasons, it’s essential to protect your asset and yourself with the right insurance policy.

What Coverage Do I Need?

In New York, bike owners are required to carry basic insurance known as Liability Insurance. This type of policy helps cover bodily injuries and property damage resulting from accidents in which you are involved.

At Fenzl Insurance Agency, we offer additional coverage options to enhance your protection:

  • Personal Injury Protection (PIP): Covers medical expenses and lost wages in the event of an accident.
  • Uninsured/Underinsured Motorist Coverage: Provides protection against accidents involving drivers who lack sufficient insurance.
  • Comprehensive Coverage: Protects against non-accident-related losses, such as theft, vandalism, or natural disasters.
  • Collision Coverage: While not mandated in NY, this coverage protects your sport bike if it’s involved in a collision with an object or another vehicle.

We Want You to Stay Safe While Enjoying Your Ride

Whether you ride your sport bike on city streets, open roads, or recreational tracks, having the right insurance policy is crucial. Our knowledgeable agents at Fenzl Insurance Agency are here to review the details of motorcycle insurance and customize a policy that meets your needs. Visit us in Hamburg, NY, or contact us today to get started.

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