Month: March 2018 Is Boat Insurance Required In Woodstock, Georgia? Posted on March 31, 2018April 1, 2018 by AgentInsure Boating is a very popular sport in the United States. Some boaters simply love the peacefulness of sailing. Others love boats that are built for speed. Boats are powerful, and the use of a boat brings with it certain responsibilities. Are there boating laws in Georgia? Georgia, like most states, has rules and regulations regarding the responsible operation of boats. For example, in Georgia, you must be at least 12 years old to operate a boat of any kind. This includes a small fishing boat. Further, if you are between the age of 12 and 16 years of age, you are required by law to obtain a Boating Safety Certification. It does not matter if you are a citizen of Georgia or a different state entirely. If you are between 12 and 16 years old, you but be certified to operate a boat in the state of Georgia. Moral responsibilities People who use the waters in Georgia for boating and water sports are expected to behave responsibly. Drinking alcohol while operating a boat is not only irresponsible, it is foolish. If you are in doubt of how foolish it is, contact Peter Laczko Insurance Inc. for insurance coverage in Woodstock, GA. People often drive too fast and beyond their experience level. They get too close to other boaters or fail to see swimmers or skiers. The simple fact is, people are seriously injured and/or killed every day in boating accidents. Is boating insurance required in Georgia? The law does not require a boat-owner to carry boat insurance. There are times when homeowners insurance may cover the theft of a boat on your property but even that is not an “always case.” However, if you are responsible for causing someone to be injured or killed due to your negligence or deliberate indifference, you can bet that they will sue you for damages and it can get very costly, very quickly. A boat accident can happen so fast that it is often hard to determine what happened. Georgia has specific laws that tell you when and where you must report a boating accident. Before you get behind the wheel of a boat and set off for an exciting day, be smart. In Woodstock, GA, contact Peter Laczko Insurance Inc. and educate yourself on what you should do to protect yourself and those you love. Motorcycle insurance coverage options Posted on March 27, 2018April 1, 2018 by AgentInsure Motorcycle insurance pays to repair or replace your motorcycle after an accident, damage or theft. The policy also meets your medical costs after an accident and handles your litigation fee if you are sued after an accident. At Peter Laczko Insurance Inc. we write motorcycle insurance in Woodstock, GA. Here are our motorcycle insurance coverage options; Comprehensive coverage This coverage option meets your motorcycle repair expenses after an accident. Also, it meets the replacement cost of your motorcycle if it is stolen or damaged by covered perils. Liability Insurance Liability insurance pays your litigation fee if you are sued for damages by a complainant. If the court finds you liable for damages, the coverage option steps in to pay your due damages. Personal Injury coverage Medical expenses after an accident can be overwhelming to most people. This coverage option eases this financial burden by paying your medical expenses. Regardless of who is at fault, the coverage option will settle your bills. Collision Coverage A collision could damage a third party’s motorcycle or vehicle. The coverage option pays to repair the other party’s vehicle or motorcycle regardless of who was at fault during the incident. Get Motorcycle Insurance in Woodstock, GA. If you own a motorcycle, it is advisable that you take up a motorcycle insurance coverage for it. At Peter Laczko Insurance Inc. we offer reliable motorcycle coverage solutions to our clients. Our limits are set based on the local insurance needs; as such, you can be sure that our coverage will be ideal for you. Let us cover your motorcycle today; contact us and speak to one of our agents about your potential motorcycle cover. Visit our website for a free estimate of your policy; also, feel free to browse the site for other insurance policies.