How to Best Clean Your Car in Woodstock, Georgia

While it’s important to get the best possible auto insurance for your automobile in Woodstock, Georgia, through a local broker like Peter Laczko Insurance Inc. keeping your vehicle clean is more of an ongoing concern. Not only does keeping your car clean help it’s resale value and allow it to look good, but it can also protect you from getting into an accident as dirt can accumulate on the windows and mirrors, effecting visibility. Below are some tips for how to best clean your car in Woodstock, Georgia.

WAX REPEATEDLY

Wash and wax your vehicle on a weekly basis a few weeks in a row. This way there will be a build up of car wax on the outside that will take a long time to wear out. While it may be tie consuming and a little costly off the bat to repeatedly wash and wax your car over a few weeks, it will actually save you money and time in the long run as you won’t have to wash your car for the next few months, or until the wax shield has be worn down,

OLD NEWSPAPERS ON THE WINDOWS AND MIRRORS

Windows, windshields and mirrors are arguably the most prone to dirt and smudges and are the most important to keep clean on a regular basis, as they can be the difference between getting into an accident and driving safely. The best way to clean these are with old newspapers and some window cleaning solution that is streak free. Do this on a weekly basis, at least.

BUY A HAND VACUUM

The most frustrating thing about vacuuming your car is dragging out a house vacuum and plugging it in or using a coin operated vacuum within the allotted time. So buy a hand vacuum that will allow you to regularly clean the floors of your vehicle of any excess dirt that has been tracked inside. 

Why Cleaning Your Car Is Important

For many, the car is more than just a method of transport, it doubles as an office, a place to relax, a place to eat, and so much more. So why is keeping it clean so important? Aside from the obvious which is to improve your overall health and the feeling that you get when you are in your car, there are also some practical implications as well.

For starters, keeping your car clean may help improve the overall life of your car and can help improve the life of things like your seats, your floor mats, and more. Keeping your car clean can help to extend the life of leather seats, can help make your floor mats last longer, and can even help to keep your dash from cracking and chipping.

Another practical reason to keep your car clean is that people often make first impressions based on the cleanliness of something like your car. Having a clean car is a great way to keep from feeling frantic and unorganized in the car and keeping it clean can help ease your mind and make a great first impression. Keeping your car clean can also help reduce the number of distractions that you have while driving allowing you to spend more time looking at the road and less time worrying about why there is a plastic cup rolling around your floor boards.

The last benefit is that a clean car can make anyone feel better. Your car may not be the newest or the most expensive but if it is clean you will automatically feel better about it making your drive and the time you spend in the car more enjoyable overall for you and your passengers. Peter Laczko Insurance Inc. wants you to stay safe so pick up trash from your floor board.  

3 Tips for Preparing Your Home Against an Unexpected Disaster

If an emergency situation happened today, would you be ready? Here are three tips for preparing your home against an unexpected disaster.

#1: Have a Stockpile of Emergency Supplies

To prepare for an unexpected disaster, it is important to have a stockpile of emergency supplies on hand in case you need them. This often includes dry goods, a first aid kit, and extra clothing. Also, your collection doesn’t have to be that large. It really only needs to include a couple days’ worth of food and basic medical supplies. Be sure to remember bottled water, too.

#2: Keep Lighting and Tools Accessible

Another thing you can do to help protect yourself against an emergency event is by keeping lighting and tools easily accessible. It is advised that you have a flashlight with batteries, candles with matches, or a combination thereof in each room in your house. Having a small tool kit can also be very helpful in case you need to turn off a broken utility main or simply make a quick repair while you wait hours for emergency responders.

#3: Have an Emergency Plan in Place

Having an emergency plan in place is one of the most important steps you can take to protect your home and family against a catastrophic event. Make sure everyone has access to a list of emergency phone numbers and knows how to escape in the event of an incident. You will also want to discuss what to do if you are ever separated in a major crisis. (For example, everyone meets and Grandma’s house in a nearby city, etc.)

In addition to taking the abovementioned precautions, it is also important to ensure you have adequate property coverage prior to an incident. At Peter Laczko Insurance Inc. , we help our customers determine exactly what level of homeowner’s insurance they need to protect their home. Please contact our team today for more information.

 

Must-Have Tools for Tire Breakdowns You Should Always Have

We see them on the highway as we drive by, the car stopped on the side of the road, and it’s owner looking at a flat tire as if willing it will somehow inflate the rubber and get the person back on the asphalt again. However, we rarely assume we could be that person stranded until it happens and our car tire pressure signal light comes up, predicting an imminent problem very soon in our travel. While we can’t always guarantee our vehicles will work correctly, we can anticipate trouble and prepare for it. And having the right tools is critical.

Here’s the must-have list for any tire breakdown anywhere:

  • The standard tire wrench comes with every car, but it’s amazing how often people remove it. Don’t. Leave the tool in the car.
  • The jack. This fantastic tool uses physics to lift weight exponentially greater than itself. It’s essential to raise a car’s weight to replace a tire.
  • A rubber mallet. Car dealers don’t include this tool in a new car, but it should always be added. If you don’t have the strength to turn a tire wrench and move a fully-tightened tire nut, then you’re going to need something that can force the wrench to turn. The mallet uses brute force, but it works very well.
  • Eye protection. Things have a way of sparking or bouncing off of tools. Getting a bit of metal or road grit in your eye will make it temporarily impossible to fix anything. A good pair of eye protection glasses can be found at any hardware store.
  • Basic leather or mechanic’s gloves. The same way you protect your eyes, you need to protect your hands with tools. Even a machine can cut a hand under pressure. Protect yourself.

Peter Laczko Insurance Inc. can help with car damage and accident protection via insurance, but also being prepared for a flat will ensure your ability to get back on the road quickly.

 

Protect Your Small Business with Commercial Insurance

As a small business owner, it’s imperative you have commercial insurance coverage to protect your investment. You never know when an accident will occur that can result in you being liable for injuries, property damage or loss of inventory. The following coverage is a must for small business owners in Georgia.

Property Insurance

Property insurance covers loss or damage of your business property such as furniture, inventory, equipment, etc. due to fire, theft or storms. This coverage protects you from having to pay for these expenses on your own. By discussing coverage options with one of our agents at Peter Laczko Insurance Inc. you can learn more about how to protect your property.  

Liability Insurance

If your small business receives customers, you’ll need liability insurance. Liability coverage pays for medical expenses of visitors who accidentally get injured on your business property. Liability coverage will also protect your business from charges of negligence or mistakes made by employees that cause customers harm. If you manufacture or sell a product, product liability insurance will protect you from lawsuits in the event a defective product causes damage or harm.

Workers’ Comp Insurance

Worker’s compensation insurance is essential to protect your employees in the event of an accident. Whether you have several employees or a dozen, you shouldn’t neglect this valuable coverage. Worker’s comp covers medical expenses for injuries your workers sustain on the job as well as disability and/or death benefits if the accident results in serious injury or a worker’s demise.   

Commercial insurance will protect your business assets so you can use your finances to grow your company. At Peter Laczko Insurance  Inc. we can help you acquire the commercial insurance coverage best suited for your small business. Contact us today for all your business insurance needs.

What to Ask When Letting a Friend Drive Your Car

If your friend comes up and asks if they are able to use your vehicle, before saying yes, it is necessary to ask them a few different questions. While we at Peter Laczko Insurance Inc. understand often times it is so important to stand there with your friend, you also need to protect yourself as well. To do this, make sure you ask these different questions of your friend before handing over the keys, regardless of if you are in Woodstock or anywhere else in the community. 

License Questions

You need to ask about their driver’s license. If your friend is currently without a valid driver’s license, it is important to avoid letting your friend drive your car. If someone does not have a license and is involved in an accident, you run the risk of being held responsible for anything kind of incident they cause. 

Ask About Their Driving History

Do you know your friend’s driving history? If not, you might want to ask them about it. After all, the last thing you want is to give the keys of your vehicle over to someone who is always being involved in accidents, fender benders, speeding tickets or anything like that. Whenever you allow someone to drive your vehicle, anything they do may end up reflecting on you. By learning about the kind of driver your friend is, you protect them from additional problems and yourself from dealing with any unwanted situations. 

Ask About What They Will Be Doing

You also need to make sure you know what sort of activities they plan on doing. If they are doing anything work related, you need to think twice. This falls under a commercial license and, chances are, your insurance does not cover it. 

Fun in the Sun: Preparing Your Boat for Summer

Warm weather is here and many are anxious to get their boats back out on the water and enjoy fun in the sun!  Before planning the first big outing, an afternoon spent checking the boat and taking safety precautions will ensure that a day spent on the water is a successful one.

  • Make sure there is a fire extinguisher on board and it is in working order and charged.
  • Ensure there are an adequate number of life jackets on the boat and the sizes are appropriate for both children and adults. Check the life jackets to make sure all straps are not weathered and latching correctly.
  • Check the battery to ensure that it is charged and not weak. 
  • Make sure all electronics on-board, navigation lights, and cabin lights are in working order.  
  • Check the fuel lines and all cables to make sure there has been no corrosion or cracks have occurred over the winter months.
  • Perform both a fuel and oil change and replace the filters for both.
  • Clean the overall boat with a mild cleaner and then wax.  Make sure to remember to clean and make sure all windows are clear.

Before the first big outing, do a short test run to ensure that the boat is running at optimal performance.  By doing this, it gives peace of mind for when joining all other boats out on the water. 

Having the proper insurance and coverage for your boat is another safety component to boating that will give you peace of mind.  Call Peter Laczko Insurance Inc. toll free at 888-883-1650 or visit our website at http://www.insureyourtoy.com/ to learn about the different types of boating insurance we offer and how we can best serve your needs.

Protect Your Family With Safe Driving Habits

When you live in Woodstock, it is important to protect your family as much as possible with different safe driving habits. This has to do with how you buckle everyone up all the way to how you drive on the roads every day.

If you have young children, you want to make sure that you choose the proper car seat, and ultimately transition to a booster seat. There are many on the market, and you want to pick ones that are based upon the height and weight of your child to provide sufficient protection.

Operation Lifesaver promotes railroad safety, and it has been estimated that a train is responsible for striking a pedestrian or vehicle every three hours in America. Always stop at railroad crossings when the barriers are down and wait for the all clear before crossing them.

Any time that you are driving in a bad weather, you also want to make sure that your headlights are on. It’s also a good idea to reduce speed so that you can react to everything that is going on around you. Change out your windshield wipers in a timely fashion so that they are capable of clearing the windshield.

Always look both ways before crossing the road and even turning into traffic.

By using safe driving habits every time you get behind the wheel, you are also demonstrating how to be a safe driver to your children so that when they grow up, they use the same tactics. They will learn from you, so it is important to lead by example.

Call and speak to one of our independent insurance agents at Peter Laczko Insurance Inc. today. We look forward to talking to you about affordable insurance and finding a policy that is going to provide protection.

 

 

Home Liability Coverage Benefits

You want to be a responsible homeowner in Mountain Park, Georgia. You fix up your home, and keep it as safe as can be. There is still the possibility of someone becoming injured. It may be a trip on the porch stairs or it could be a dog bite. There is no telling how person could be injured, no matter how safe you may try to keep your home.

There are home liability coverage benefits available within your homeowner’s policy. This allows you to file a claim so that the insurance company pays for the various expenses involved with an injury so that it does not become your financial responsibility.

Various limits can be established on this coverage. The higher the limit, the less likely you are to spend money out of pocket. As the homeowner, you will often be found liable for a person’s injuries. By having the coverage, you can avoid paying such expenses as:

  • Medical bills
  • Pain and suffering settlements
  • Lost wages
  • Death benefits
  • Lawyer costs

Even if it is a family member or friend, if someone is injured severely, they are likely going to get a lawyer. This is because they want to look out for their best interests. They know that if they need to go to the hospital, medical bills are going to add up quickly and they may be out of work for weeks.

By exploring your home liability coverage benefits more thoroughly, you can make sure that the limits are sufficient so that you can minimize the money you pay in the event someone hurts themselves on your property.

Call us at Peter Laczko Insurance Inc. today to discuss home liability coverage benefits available to you in Mountain Park. It can be the easiest way to ensure you are protected in your Georgia home.

 

 

Safer Winter Driving

Mountain Park, GA does not typically see the severe winter weather of the northernmost states, but even a small amount of snow or ice can impair a driver’s ability to reach his or her destination safely. Peter Laczko Insurance Inc. offers tips on how to safely navigate various winter driving conditions.

Ice

Driving on ice is very dangerous. If icy roads are present, plan to stay home. Give roads time to thaw before attempting any travel. If you must travel for some reason, try to do so after road crews have applied salt and gravel to driving surfaces. Always drive as slowly as possible in icy weather.

Snow

Snow creates several issues for drivers. Blowing snow may create drifts in the road which can send a car into a spin or even cause a vehicle to come to an abrupt stop. Drive slowly in snow, making sure headlights and windows are clear.

Slush

Melting snow creates a dirty, slushy mix which can cause problems for drivers. Cars can hydroplane on wet surfaces, creating a hazardous scenario for drivers, passengers and pedestrians. Do not assume that melting snow means it is safe to drive the maximum posted speed limit. Continue to use caution until all roads are clear.

High Winds

High wind gusts can blow tree limbs, wires and even other vehicles into your path. Keep plenty of room between your car and other vehicles during high winds. Try to avoid driving near high-sided trucks as they will take the most impact during windy conditions.

If you need more information on arriving safely at your destination during inclement weather, or for a no obligation quote on auto insurance, contact Peter Laczko Insurance Inc. today. Our independent insurance agency will be happy to help you navigate your auto insurance needs.