Do You Need ATV Insurance

Do you really need ATV insurance? In many cases, you may be legally required to have ATV insurance. If you aren’t, it’s still a good idea. If you are in Woodstock, GA, you can purchase insurance form Peter Laczko Insurance Inc. 

When ATV Insurance is Required

Full coverage ATV insurance may be required if you have a loan for your ATV. This is to protect the loan company’s investment. If you total your ATV and you default on the loan, they have no way of recouping their losses. You may also be required to have ATV insurance under certain state laws. Georgia law states "All-terrain vehicles operating on the highway are motor vehicles and subject to the uniform rules of the road". This means that if you ride your ATV on a highway, you are legally required to have liability insurance.  

Do I Need it Anyway?

So you aren’t planning on riding on the road, and you don’t have a loan that requires you to have insurance. Do you still need it? Yes, you do. For a few reasons.

The first is a liability. Accidents happen, even on trails or in the woods. You take down someone’s fence while riding, you are liable for it. A passenger falls off and gets injured while riding, you are liable. You run into someone spectating, you are liable. Any of these situations can easily add up to big bucks.

Don’t think just because you don’t have the assets to cover it that you will be in the clear either. The court can and will arrange payments for as long as it takes. 

Secondly, your ATV is an investment that would likely be hard for you to replace financially. If you don’t have the cash available to repair or buy another one in the event of an accident, theft, or act of nature, you need full coverage.

Lastly, don’t skip the uninsured motorist. Most people that ride ATVs do not insure them. If you are trail riding and someone runs into you, you may be stuck with the damage to your ATV and medical bills. 

If you need ATV insurance in Woodstock, GA, contact us at Peter Laczko Insurance. Our agents can talk to you about the best policy for your needs. 

Preparing Your Golf Cart for Off-Season Storage

A golf cart is an extremely versatile vehicle that you can use for a wide range of activities, such as professional events, but they also allow you to travel around the neighborhood in Woodstock, GA without having to drive your car. In order to ensure your golf cart has the longest lifespan possible, it’s important to keep up with the maintenance. One important step of maintenance is to properly prepare the golf cart for off-season storage. Here are a few tips from Peter Laczko Insurance Inc. to prepare your golf cart for storage.

Prepare the Battery

Before storing your golf cart it’s important to fully charge the battery. A battery that is fully charged won’t freeze should the temperatures drop below freezing. You should also disconnect the battery cables to make sure there aren’t any problems that may occur while the golf cart is in storage. While you’re tending to the battery, it’s also recommended that you check the tire pressure and inflate any low tires before storing; this will help the tires maintain their shape.

Clean the Golf Cart

Before putting the golf cart in storage, it is important that you thoroughly clean it; both inside and out. Using a mild detergent and water, clean away the grime, dirt, grease, and mud from the exterior of the golf cart, including the wheels. Be sure to use a leather protectant on dash, steering wheel and seats to help prevent drying during storage.

The final step in properly storing your golf cart is to park the key in a proper position, turn the key switch to off, remove the key and make sure the switch is in neutral. Place sturdy rubber or concrete blocks behind all the tires to prevent the golf cart from rolling and disengage the parking brake.

Residents of Woodstock, GA interested in learning more information about golf cart insurance should contact Peter Laczko Insurance Inc.