Month: May 2017 A Home Inventory Can Expedite Your Insurance Claim Posted on May 22, 2017May 8, 2017 by AgentInsure A home inventory can come in handy when making an insurance claim. Making an inventory of your personal effects gives you an accurate picture of what you own and how much your goods are worth. In the event of theft, damage or loss of personal goods, you can present this inventory to your Peter Laczko Insurance Inc. adjuster in Woodstock. GA to help expedite your claim. Here are some of the advantages of going through the trouble of making a home inventory. Proof of Ownership A home inventory is a document that lists all of your personal effects to include clothing, furniture, electronics, sports gear, jewelry, etc. Your inventory should include a brief description of your goods, receipts of purchase, certification of the historical or cultural value of heirlooms or antiques and photos to verify the condition of valuable items. If you have to make a claim, this document provides proof of ownership for the item(s) that have been damaged or lost. Having this information on hand will help expedite the claims process. Proof of Value In addition to proof of ownership, your home inventory can help substantiate the value of costly goods covered by your insurance policy. Depending on the type of coverage you have and its limits, you can claim the full cost of repairing or replacing items that were stolen, lost or damaged in an event covered by your policy. If, for example, you are covered for replacement costs of posh jewelry, heirlooms or art, having these items documented on a home inventory can help you recuperate your loss. Having a home inventory can work in your favor to simplify an insurance claim. To learn more about home inventories and how they can facilitate insurance claims, contact your Peter Laczko Insurance Inc. representative in Woodstock. GA. Auto Insurance Can Protect You from Uninsured Drivers Posted on May 8, 2017May 8, 2017 by AgentInsure When looking for auto insurance in the Woodstock, GA area, Peter Laczko Insurance Inc. is ready to help you get the coverage that best protects you and your busy lifestyle. However, you might be thinking that a simple auto insurance policy can’t protect you against every scenario, like an uninsured driver. But with the right options, you can make sure that you can afford to get your car repaired and cover and of your medical bills if an uninsured driver causes an accident. Comprehensive and Collision Fixes Your Car When your front bumper is on the ground, the first thing you want to do is fix, regardless of who caused the accident. If you only purchase minimum coverage, it will be up to you to chase down the uninsured driver and demand payment. Meanwhile, you’ll be out the pocket money needed to pay for the fix. If you opt for collision and comprehensive type coverage on your insurance policy, you pay your company a deductible, they will get your car fixed right away, and they will have to chase down the other guy to get reimbursed. How convenient is that? Uninsured Motorist That only got the car fixed. If you were injured, and are out of work for a while, even your own health insurance isn’t going to take care of all the bills. When you add a premium option like uninsured motorist to your policy, you can recoup lost wages and living expenses that are incurred while you get back on your feet. Once again, you’re paying for the convenience of receiving the money up front while your company deals with the headache of holding the responsible party accountable for the damage they created. If you’d like more information, talk to your Woodstock, GA insurance agent at Peter Laczko Insurance Inc. today.