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. 

Why Golf Cart Insurance Is a Smart Idea

Owning a golf cart can be a lot of fun and it can also add a lot of convenience to your everyday life. Whether you live in a planned community or have a lot of lands that you need to traverse, a golf cart is a great option. Even though these vehicles are a lot of fun, one must still behave in a responsible manner when driving one, and this sense of responsibility also includes obtaining insurance coverage. If it’s time for you to check out your golf insurance options in the Woodstock, GA area, Peter Laczko Insurance Inc. is here to help.

More Than Just a Toy

Golf carts have been known to tip over or go off the road and cause damage to lawns and plants. Liability insurance for your cart can help minimize the effect of such mishaps on your finances while keeping you in the good graces of your neighbors. Damage, vandalism, and theft of the vehicle may also be covered by your cart insurance. Whenever you are operating a motorized vehicle, no matter the type, it is a smart idea to carry liability protection. If you have passengers on your cart, you will want protection in case of an accident where there is an injury. Owners who have teenaged children or grandchildren operating their golf cart are especially vulnerable to mishaps and golf cart damage. Don’t be caught without the protection that you need to cover your golf cart!

Now is the perfect time to learn more about this type of insurance protection. If you are a resident of the greater Woodstock, GA area and would like to find out more about your options for golf cart insurance, call or stop by Peter Laczko Insurance Inc. today!