What is ATV Insurance and What Does it Cover?

If you love to drive your ATV all over the scenic hills and valleys of Woodstock, GA, then you probably want to protect the investment you’ve made. ATV insurance covers all-terrain vehicles to give owners peace of mind while they’re covering the ground with other weekend warriors. Whether your ATV has three, four or six wheels, you can find the coverage you need through the knowledgeable agents at Peter Laczko Insurance Inc.

Types of Coverage

Protect your ATV against vandalism, accident or theft as well as uninsured motorists, collisions and other perils.

Uninsured Motorist Insurance

Uninsured motorist insurance safeguards an ATV driver in case of an accident. Medical expenses are usually covered by the driver that caused the accident. However, not all ATV enthusiasts maintain their insurance. If you have uninsured motorists coverage, it will pay for your medical expenses if the at-fault driver has insufficient insurance.

Bodily Injury

Bodily injury and property damage take care of expenses related to an accident you cause. For example, if you inadvertently run through a yield sign on a trail, another rider might be hurt. In this case, your bodily injury insurance would pay for his or her medical expenses. This protects you from large financial losses.


Collision insurance takes care of expenses related to repairing your ATV in the event of an accident. If you run into a tree or collide with another ATV, your vehicle can be severely damaged. Incidental damage, such as minor scratches, usually isn’t covered nor is normal wear and tear. 


Comprehensive ATV insurance protects you from many types of damage. This includes fire, vandalism, and flooding.

Your agent at Peter Laczko Insurance Inc. can walk you through ATV and other insurance options. Call today to make an appointment at our Woodstock, GA location.

Prepping Your Motor Home For Your Summer Vacation

Whether you’re planning on spending the whole summer traveling in your RV or you’re just going on a quick weekend trip, it’s important that you get your vehicle prepped for summer. At Peter Laczko Insurance Inc. serving Woodstock, GA, we’re here to help RV owners get ready for the warm months ahead. Follow these tips to make sure your RV is ready for June, July, and August. 

– Check your tires. Make sure the tread isn’t worn out, and the PSI is not too high or too low. Make sure that you have a good spare stored in your RV. 

– Pack well. Check that all breakable items in your RV are secured firmly so that you don’t have to deal with breakage and/or spillage on your way to your destination.

– Check the appliances inside your RV. If it’s been a few months since you’ve used the commodities inside your vehicle, you’ll want to double check that everything is in working order. It’s easier to make a repair at home than it is once you get to a campsite. 

– Get a maintenance check. Have a mechanic do a quick check under the hood of your RV. Just like you get your car serviced prior to cold weather, it’s a good idea to have your RV looked at before you take off on your summer trip. This is also a great time to get an oil change if your RV hasn’t had one since last season. 

At Peter Laczko Insurance Inc. serving Woodstock, GA, we’re here to help RV owners with comprehensive insurance policies that will keep you protected from the unexpected. Stop in and see us today so we can help you with all your RV insurance needs. 

Jet Ski Insurance and Personal Safety Tips for Woodstock, GA

Peter Laczko Insurance Inc. in Woodstock, Georgia wants to wish you a great summer and make sure that you enjoy the water in a safe and fun way. Before you hit your local waters, you’ll need to check that your policy covers everything you need in your jet ski insurance coverage. Your policy is your guarantee that you can enjoy the water feeling safe that you are protected in case of any accidents or injuries; however, safety tips are the most important thing to keep in mind to avoid accidents and injuries.

What is Jet Ski Insurance?

Jet ski insurance coverage can include protection against bad weather conditions, especially things like high crests during a storm and hurricanes. In many places, intense weather may also call for an insurance plan with additional coverage such as towing protection. 

Jet Ski Safety Regulations in Woodstock, GA

Few recreational activities on the water are as fun as jet skiing. It’s one of Georgia’s most exhilarating summer sports, you still have rules to obey. Make your safety your top priority. If you have children that are ages 12-15, they may take a boating safety course and legally ride a jet ski. Anyone of that is over the age of 16 may ride the jet ski if they have a photo ID with them. Of course, a boating safety course is good for anyone to take in Georgia. 

A few other helpful hints to keep in mind include:

  • Keep the jet ski at idle speed when within 100 feet of another watercraft, shoreline, swimming area or restaurant
  • Coast Guard-approved jackets should always be worn
  • Tell someone where you are going before you go
  • Use good judgment with the weather
    • only go out when the weather is good
    • do not participate in high-speed sports after dark
  • Review hand signals and know how to use them
  • Inspect all your equipment before you go out
  • Keep an ignition switch lanyard on your wrist or on your life jacket so that power is cut if you fall off. 

Get Jet Ski Insurance from Peter Laczko Insurance Inc. in Woodstock, GA now. We will help guide you through the process.




3 Tips for Prepping Your Boat for Summer Fun

At Peter Laczko Insurance Inc., we know that getting out in the great outdoors is a wonderful way to spend with your family. However, there are a few things you need to do to ensure everyone has a safe time. Here are three tips for prepping your Woodstock, GA boat for summer fun.

Tip #1: Have a Professional Check the Motor and Equipment

One of the easiest ways to prep your boat for summer fun is by doing a bit of routine maintenance. If you aren’t familiar with watercraft, have a professional check the motor and equipment to determine if everything is in proper order. Also, check any trailer tires for cracks or leaks, especially if they’ve been sitting in the sun during the off-season.

Tip #2: Pack Life Jackets for Everyone (and Make Sure They Fit Appropriately)

It’s also vital to pack life jackets for everyone who plans to be on board the boat, plus a few extras for any additional guests that might show up. If you are bringing children along for the trip, double check to make sure their old flotation devices still fit appropriately. Doing this is more than just a good idea—it could save a life.

Tip #3: Purchase Adequate Boat Insurance

Another tip is to purchase adequate boat insurance. While there’s no explicit requirement for insuring your watercraft, it is a good idea to at least carry some form of liability coverage. That way if there’s an accident during your day of fun, you can protect yourself against the potential for a costly lawsuit.
Got boat insurance? Contact our Peter Laczko Insurance Inc. team today to schedule an appointment or for a no-obligation rate quote. We proudly serve Woodstock, GA and surrounding areas.


Let RV Insurance Protect Your Campground Vacation This Summer

With summer vacation on the horizon, campgrounds are being booked with reservations and RVs are being prepared. For many families in and around the Woodstock, GA, RVs and campgrounds will consume their summer vacation. If this sounds like your family vacation, it may be time to contact Peter Laczko Insurance Inc. for RV insurance to protect your family and belonging this summer in the campground. While RV insurance is not required in Georgia, it is highly recommended and a necessary layer of protection for investments. 

Comprehensive Coverage

RV insurance covers your camper while you are both driving down the road and also while you are parked in the campground and using your RV for lodging. A standard auto policy will not cover any damages that occur during lodging use, which is why RV insurance is so essential to families spending their vacations in a campground. Should accidents, theft, or tragedy strike your RV while you are camping, coverage is available for repairs or replacements of personal property within the RV, as well as the RV. 

Cover Your Toys

If you are looking to carry other types of recreational vehicles on your camping vacation such as ATVs, golf carts, or Jet skis, add them to your policy so that they are covered, as well. Like your RV camper, these vehicles are at risk for the same types of damages while lodged in the campground. 

Protect Your Vacation Today

If you do not currently have a policy for your RV camper, contact the Peter Laczko Insurance Inc. agency today. Proudly serving residents in and around the Woodstock, GA area, our agents are available to take your call and provide you with more information regarding your policy. Enjoy a campground vacation without any worries this summer. 

What’s Motorcycle Liability Insurance

Throughout the country, motorcyclists usually have to have motorcycle liability insurance. It’s the type of insurance that assists in paying for damages or injuries to others as the result of you causing an accident. Peter Laczko Insurance Inc. serves the Woodstock, GA and helps individuals comply with the law and prevent a lawsuit and financial complications. 

Bodily Injury Coverage

Bodily injury coverage is part of liability insurance. It takes care of the medical expenses accrued as a result of an accident. This particular coverage takes care of expenses to both the driver and passengers in the vehicle. The bodily injury coverage helps take care of expenses related to doctor’s stays as well as hospital visits. It also covers prescription medications that any of the parties may need after the accident. For people who need to undergo therapy, this insurance covers physical therapy expenses. Even home healthcare can be covered under this insurance. It takes care of the expenses that occur from any of the parties losing wages. Additionally, this is the part of the insurance that covers funeral expenses. 

Your Bodily Injuries 

Bodily injuries that you experience aren’t covered with this particular part of your motorcycle insurance. Your medical payments coverage is the aspect of your insurance policy that takes care of these expenses. It may, however, give you coverage for the legal fees you receive if you should happen to be sued. 

Requirements for Liability Insurance Coverage

You’ll need to meet Georgia’s requirements for liability coverage, which an agent will educate you about. Any additional coverage you have is your personal choice. You should consider the fact that an accident can cost more than the state’s minimum.

Contact Peter Laczko Insurance Inc. today for a quote. We serve the Woodstock, GA area and are available by calling 678-833-2860.

Will my commercial insurance cover employees using their own vehicles for work purposes?

In today’s hectic world the line between being on and off the clock can get blurred pretty quickly. If you are a business owner whose staff sometimes uses their own vehicles to conduct business, you may want to take a closer look at your commercial insurance policy. The team at Peter Laczko Insurance Inc. is here to help the business owners in the greater Woodstock, GA area to understand their commercial insurance policies and ensure that they have the protection that they need. The law in Georgia is sometimes confusing when it comes to insurance coverage for employees using their own vehicles. We recommend that all commercial policies be reviewed on a regular basis to make sure that they are providing the current level of protection that is needed.

Understand the level of protection that your comprehensive commercial policy provides

The insurance guidelines in GA can be confusing, and many events are taken on a case by case basis. For example, if your employee leaves the office during regular business hours and conducts work using their own vehicle and does nothing else, they will likely be covered. But, if they go to lunch and stop and pick something up for work reasons on their way back to the office, a mishap would likely not be covered. If you are concerned about employees using their own cars for work purposes, it makes sense to have your current policy reviewed. There are many different policy types and coverage levels available and you will likely find one that meets all of your needs. 

Want to learn more about your comprehensive commercial insurance options? Contact the team at Peter Laczko Insurance Inc. today to schedule an appointment at their Woodstock, GA office. 

How Your Home Insurance Provides Protection for Family Parties

Part of the joy of owning your own home is inviting all your Woodstock, GA area friends and family to come over for a special celebration. If you ever worry about what would happen to your personal savings account if somebody was injured on the deck or in the pool, your home insurance policy from Peter Laczko Insurance Inc. is here to provide reassurance and protection.

Trip and Falls Do Happen

No matter how diligent you are in maintaining your home, it is always possible for somebody to trip on the front steps or slip around the pool.  They are called accidents for a reason. When it happens on your property, it is likely that you may be found responsible for the costs incurred in the emergency room and while your friend recovers. That is only fair, but not the end of the world.

Liability Coverage Takes Care of Medical Payments

Part of every home insurance policy is a liability section. This helps to cover the expense of seeking medical treatment and even for living expenses when somebody is injured on your property. You are generally responsible to pay for a minimal deductible while the insurance company takes care of the rest, up to an agreed upon maximum amount. 

Party On with Confidence

What does this mean? Feel free to open the doors of your Woodstock, GA home and welcome in your family for some fun over the long weekend. Since you have a home insurance policy from Peter Laczko Insurance Inc. you are protected from the unexpected incidents that may arise during any celebration. If you are wondering if your liability is sufficient, give our local insurance agents a call and we will be happy to review your policy today.

Covering Your Teen on Your Insurance in Woodstock GA

When your teen gets their driver’s license, it’s time to get them covered on your policy with Peter Laczko Insurance Inc. In Woodstock, GA, if your teen is driving your car, then they need to be on your policy.

The best way to keep costs down when insuring teens: Just make sure they’re a safe driver. The most important thing is keeping them out of accidents, for their safety, for your car, and for your rates.

Another way to bring your rates down: Ask about "occasional" driver coverage. If your teen is off at college or only drives the car a few times a year, there’s no reason to cover them as a primary driver, at primary rates.

You can also bring your rates down by keeping your teen’s grades up. Many parents attach driving vehicles to school performance. Likewise, advanced driver’s ed courses for teens can look really good to an insurer. You’re trying to establish a pattern of responsible behavior so that insurers know that your teen is less of a risk than most.

And of course, the more time you spend with your teen behind the wheel, the more you can help them to learn how to be a safe driver. Make time for your teen and help them improve their road game, day by day, one road trip at a time.

Peter Laczko Insurance Inc. can help you get a fair rate when you add your teen to insurance policy. If you’re in Woodstock, GA and you want a fair deal, give us a call and see what we can do for you.

Georgia’s Car Insurance Laws

Having proper coverage through auto insurance is a reality of owning a car and driving. Some basic knowledge about your state’s specific car insurance laws is also important to avoid fines, tickets, and other inconveniences. The state of Georgia has a few specific requirements that drivers should be aware of. These state laws apply to all drivers in the Woodstock, GA area. 


All drivers in Georgia must have liability insurance to protect against bodily injury and property damage. Liability is usually included with even the most basic car insurance policies, so as long as the car is insured, it should have sufficient liability coverage for Georgia. This type of coverage is necessary for an insurance company to pay out the costs of damages that can occur because of car accidents. 

Physical Damage to the Car

Damage can occur to your car from things like theft, severe weather, accidents, or a number of other ways. Collision insurance is usually required by the lender of a car loan, but the state does not require driver’s to be insured against damage to their own car. Other damages are covered by a policy usually called comprehensive coverage that covers most things that can happen besides car accidents. If the owner of the car does not have a loan or financing on the car, it is usually their discretion as to the extent of coverage they need to protect their investment in the automobile. 

For any other questions or concerns about car insurance in the Woodstock, GA area, please contact Peter Laczko Insurance Inc. Our agency provides customers with information and personalized policies for all of their driving needs. Peter Laczko Insurance Inc. knows the local laws, and agents can assist with keeping your car insurance and in compliance.