Why You Need Boat Insurance

There’s nothing like spending time out on the water. A boat has a way of putting your life at ease. It doesn’t matter if you’re soaking up the sun on a pontoon, out fishing during early morning, or zipping down straights with your motorboat, nothing can compare with time out on the water. And yet far too many people take their boats for granted and fail to insure it. You may even be considering doing exactly this. But why? Your boat represents a rather sizable investment into your outdoor fun (and even your mental health as it can bring with it tranquility). What doesn’t help with your mental health is paying a large repair bill for your boat. If you live around Woodstock, GA, and own or are thinking about owning a boat, our staff here at Peter Laczko Insurance Inc. is here to show you why you need boat insurance. 

Why You Need To Insure Your Boat

You might assume you don’t need to insure your boat. After all, you’ve never had any issues with the boat on the water and crashing into another boat while on the water isn’t likely. Well, accidents can happen on the water (or you can run over something in the water). Beyond this, though your boat might be damaged while in transit. Your auto insurance will not cover this. It also can be damaged while in storage, and if this happens there is no guarantee the property insurance will cover your boat, even if the damage was sustained while being stored off-site in a location that specializes in boat storage. 

Insure Your Boat

It doesn’t matter what kind of boat you own if you have one you need to insure it. You might have questions regarding boat insurance, but don’t worry, we have the answers. So, if you live around Woodstock, GA and are looking at insuring a boat just give our staff here at Peter Laczko Insurance Inc. a call. 

Why RV Insurance Is A Major Asset

Located in Woodstock, GA, Peter Laczko Insurance Inc. strives to help people find insurance coverage when they need it most. As an independent insurance agency, we assist our clients by providing them with policies so that they will be prepared when unexpected circumstances arise.

RV Insurance

RV Insurance is a major asset for motorhome owners in Georgia. RV Insurance ensures that your vehicle is protected. Collision and comprehensive coverage protect your vehicle if it damaged in an accident, as well as any issues related to vandalism or theft. Liability coverage is important, as it protects you if you are injured in an accident. You can also amend your policy to cover your valuables such as electronics, camping equipment, and furniture.

The type of coverage you should research depends on the type of RV that you have. Class A RVs include luxury and motor coaches. Class B RVs include cargo vans, travel trailers, and other types of camper vans. Class C RVs cover vehicles that have five wheels. Depending on the class of RV that you have, you can decide whether to add total loss replacement coverage, as well as campsite and vacation coverage. In some cases, you may be able to add emergency coverage that protects you if your RV is down and you have to find food and lodging. Research different storage options as well.

RV insurance allows you to cover your belongings as you travel, as well as your passengers. Your policy also gives you the freedom that no matter what arises on the road, you are secure.

Peter Laczko Insurance Inc. Can Help You

Stop by our office in Woodstock, GA. We will sit down with you and analyze the different RV insurance options so that you can find the right policy for your situation.

What Is Complete And Total Coverage?

When we talk about getting "full coverage," we usually mean liability, comprehensive, and collision. But that’s not exactly full coverage, is it? Liability, comprehensive, and collision will be enough to keep you from going bankrupt after an accident, but it won’t guarantee that your losses are completely covered. For that, you’re going to at least need to add the following protections to your policy:

  • Gap coverage. If you’re still paying off your motorcycle, gap coverage will help you to make up the difference on what you still owe. Nobody wants to be making payments on a motorcycle that was completely totaled in an accident, and this will help to keep that from happening.
  • Replacement, or better-replacement coverage. Replacement coverage will get you a new bike of the same make and model as your current motorcycle. Better-replacement will get you the next year up. The better replacement may be preferable as this will give you a little elbow room when shopping around, as it can be difficult to find the same bike for the same price.

With these provisions in place, you’re pretty much going to be completely and totally covered in the event that you lose your motorcycle in an accident. There are other provisions that you can add, as well. Medical payments coverage, for instance, can help you to cover the expenses should you wind up in a cast following an accident. This is something to consider as a motorcyclist.

If you’re looking to get covered in Woodstock, GA, get in touch with Peter Laczko Insurance Inc. to see what they can do for you. Whether you’re comfortable with just a liability policy or you want to make sure that you’re totally covered every time you venture out into Woodstock, GA, Peter Laczko Insurance Inc. can get you the protection you need.

How Commercial Insurance Protects Your Business

Small business owners know the hard work that goes into building and running a company.  Having the right commercial insurance can protect that business when disaster strikes or there is an accident.  As every business is different, commercial insurance gives business owners the opportunity to get the coverage they need.  At Laczko Insurance Inc., our team of agents work with business owners throughout the Woodstock, GA area.  By spending time getting to know our clients, we’re able to suggest the best products to business owners.

Commercial insurance provides businesses with several key features: liability, property, and worker’s compensation.  If a customer is injured by a company’s products/services or has an accident at a business location, the liability coverage will protect the business. Property insurance covers company-owned buildings and their contents. This includes computers, materials, and inventory.  Worker’s compensation is to cover employees in case they are injured on the job. More specialized coverage can be added as needed. For instance, some professionals add professional liability insurance.  If the business has a fleet, it will also need to be insured.  Another option is business continuity coverage that goes into effect when a company is unable to operate normally following a disaster. 

Whatever your commercial insurance needs area, our team of agents at Laczko Insurance Inc. can help you. They will explain the available options to help you make smart choices for your business.  They work with businesses throughout the Woodstock, GA area so they understand the challenges you face every day. Explore our website for general information then contact one of our agents. They can help you decide which coverage option is best for your business. Your business is important so make sure it has the protection it needs. Call us today to discover how easy it is to get the right commercial insurance coverage!

What You Need to Know About Insurance Add-ons in GA

Each state has its own laws that govern the insurance division. One state may allow certain coverage types while another makes them optional to have. The state of Georgia has some unique laws that govern the add-on of Uninsured Motorist coverage. In order for you to make the right decisions about this coverage, there are some things that you will want to know. 

Getting to Know Uninsured Motorist Coverage in Woodstock, GA

Uninsured and Underinsured motorist coverage is something that you can either accept on your auto policy or reject in Georgia. Your choice will dictate what you can and cannot do in an accident situation. And the choice you make will determine if you pay a lot for insurance or have a much cheaper policy. Here are some things to think about when making your choice.

  • You have the option to stack coverage if you add the option to your policy. This means you can stack your coverage onto the other driver’s amount to pay for your injuries. The non-stacking option limits your payout to the limits of the at-fault party.
  • Once an accident happens you must notify your insurer immediately, so the Georgia Uninsured Motorist Insurance Company is ready to act. 
  • Other insurance policies that passengers own may also cover you if you have stacked coverage.
  • Settlements with the at-fault driver must be handled with a Georgia Limited Liability Release. 

This add-on coverage in Woodstock, GA is very important to understand. If you have questions about this coverage type, then please call us at Peter Laczko Insurance Inc. We have the knowledge to advise you of your options. We look forward to helping you with your insurance needs. 

What Does Golf Cart Insurance Cover?

For those that live in the Woodstock, GA area, owning a golf cart could be a great convenient option. Not only are these a good asset to have when golfing, but it can also provide you with a convenient mode of transportation to make a quick trip. If you are going to own and drive a golf cart, it is important that you also have it properly insured. There are several forms of coverage that are provided by a golf cart insurance policy.

Coverage for Asset

One form of coverage that you will receive with your golf cart insurance policy is coverage for your asset. If you own a golf cart, you will likely have made a big investment into the purchase. Since accidents, theft, and other forms of damage to occur from time to time, having a golf cart insurance policy to protect it could be a great option. 

Liability Protection

Another advantage of having golf cart insurance is that it can provide you with liability protection. If you operate your golf cart and cause an accident, you are going to be required to pay restitution. Depending on the incident, this could be expensive. Fortunately, the golf cart insurance policy will give you coverage to ensure you can cover any damages you cause. 

If you own a golf cart near Woodstock, GA, it is important that you get the right form of insurance in place. When you are going to get this form of insurance, you should reach out to the team at Peter Laczko Insurance Inc. The professionals at Peter Laczko Insurance Inc. are aware of the unique features that a golf cart insurance policy needs to have. They can then help you to get into an insurance policy that meets your needs. 

ATV Insurance in Georgia

As outdoor motorsports are becoming more popular, the insurance policies for these vehicles have evolved to become more sophisticated. Whether you are a hunter, trail-rider or just use your off-road vehicle for fun, there is a policy to protect you, your vehicle and those around you. Similar to auto insurance, ATV insurance covers collision and comprehensive insurance. Collision insurance as the name suggests provides coverage from damages caused by a collision whereas comprehensive provides coverage for non-collision damages such as vandalism, theft and more. There is also coverage for bodily injury liability and underinsurance coverage.

According to the Insurance Information Institute, having ATV insurance might be a legal requirement depending on where you ride. The law in the state of Georgia states that all motor vehicles on the road are subject to uniform rules of the road which essentially means liability insurance for ATV is required in the state of Georgia.

Regardless of whether it is required by the state, it is a good idea to have ATV insurance. Not only does it protect against damages to you and your vehicle but it also protects you from liability if you end up hurting someone else or damaging their property. Secondly,  If you have taken a loan to purchase your ATV, that lender will require you to have it insured. In any case, the ATV is your investment, and you should protect it.

The sport of off-road motorsports has a higher probability of collision or accident than regular vehicle making for ATV insurance being more important. There is also the fact that ATV spare parts might be more expensive than regular auto parts. Any repair is going to be very expensive.

Peter Laczko Insurance Inc. serving Woodstock, GA is your best guide to ATV insurance. Not only will they navigate you to the most suitable ATV insurance but also educate you on the rules and regulations of the state of Georgia. For residents of Woodstock, GA, you can contact Peter Laczko Insurance Inc. through the contact information available on their website.

 

What does travel trailer insurance cover?

Whether you drive your trailer around town in the Woodstock, GA area or take it across the country, it is critical to be adequately insured. The agents at Peter Laczko Insurance Inc. would be happy to put together a comprehensive insurance package that best suits your needs. Below are the top coverages you should consider for your trailer.

Liability coverage 

In the event your trailer is involved in an accident, liability will protect you against claims made by third parties. Trailer accidents can often be large claims, so a liability policy with proper limits will protect you from being forced to pay from your own funds. 

Collision Coverage 

Collision coverage will pay to repair or replace your trailer in the event you are in an accident. Unlike liability insurance, collision coverage will cover your trailer no matter which party of the accident is at fault. Collision coverage is especially crucial if your trailer is brand new, you would not want to have to pay out of pocket if it needs to be replaced shortly after you purchased it. 

Comprehensive coverage 

Comprehensive coverage will pay to repair your trailer in the event it is damaged in an event not caused by another vehicle. Comprehensive coverage events include fire, falling debris, vandalism, and theft. 

Medical payments coverage 

While liability coverage will pay for the medical payments of third parties in an accident, medical coverage will help pay for you and your passengers’ medical payments in the event of an accident. 

Campsite coverage 

If you are at a campsite and a third party is hurt in or around your trailer, this coverage will help pay for the medical bills of the third parties. 

If you are interested in learning more about insurance coverage for your trailer, reach out to an agent at Peter Laczko Insurance Inc agency today. We proudly serve the Woodstock, GA area. 

 

What are the Different Types of Commercial Insurance?

There are four basic types of commercial insurance. These are property, liability, worker’s compensation, and commercial auto insurance.  Depending on the type of business you own, you may choose certain specialty insurances to mitigate risks associated with your business as well. 

Property Insurance

Property insurance covers damage to your physical property. It will cover the place where you conduct your business. This can be a storefront, office space, or even your home office. It also covers your physical property in the space. This includes business equipment, furniture, and physical inventory.

Liability Insurance

Liability insurance protects you from financial risk if a third party is injured or their property is damaged. If someone falls in your store and gets injured, for example, liability insurance would cover any liability you have for the person’s medical bills and personal suffering. 

Worker’s Compensation Insurance

If you have employees, you will need worker’s compensation insurance. If an employee is injured on the job, you will be responsible for any medical bills related to the injuries and lost wages. A worker’s compensation policy will cover these expenses.

Commercial Auto Insurance

Commercial auto insurance and business interruption insurance are valuable for many companies as well. Commercial auto insurance may be necessary if you transport tools or goods for your business, run errands for your business, or provide transportation for clients. Commercial auto insurance generally covers liability and physical damage to your vehicle.

When it comes to commercial insurance, the value goes beyond relieving you of financial responsibility. In the event of a claim, you have an experienced agent overseeing the process. This can help ensure your legal compliance during proceedings, give you peace of mind, and make your life much easier.  Peter Laczko Insurance Inc. in Woodstock, GA has experienced agents that can help you select the types of commercial insurance you need. 

What Are the Basics of Commercial Truck Insurance?

If you need to get commercial truck insurance for your business, there are some things you should know first. Be prepared by having the basic details of what you need and what trucking insurance is all about by talking to an agent at Peter Laczko Insurance Inc.

What Do You Give Your Insurance Agent to Set Up Commercial Truck Insurance?

If you already have an insurance policy, make sure to bring your policy declarations page. Otherwise, it’s fine to give your agent your current personal automobile insurance declarations page. It’s also possible to have your old insurer send along with the information to the agency you’re switching to for your commercial trucking insurance.

In addition, you’ll need to give them driver’s license numbers and the basic driving histories for anyone who will be driving your company’s trucks. Make sure you include everything that could have an impact since your insurance quote will increase if it’s found that one of your drivers has a worse driving history than what’s being reported.

Bring along the VIN (vehicle identification numbers) for each of the automobiles. You’ll have to provide the agent with something explaining the security and safety features for each of the trucks. If you don’t have those numbers with you, tell the company as much about the vehicles as you can until you are able to provide this information.

Types of Commercial Truck Insurance

It’s ideal to have additional coverage for your trucks. Here are some of the more common types:

  • Liability insurance – this is mandatory to have for your vehicles. It covers damage that’s caused by one of your trucks.
  • Motor truck cargo – though this type isn’t mandatory, it’s helpful. Some shipping companies do make it a point to get this.
  • Bobtail insurance – this is another voluntary type of insurance, it covers when you’re on the road and it covers when you need to get service on the truck.
  • Physical damage – though this isn’t required, it does cover if there’s a fire, theft, or any flood damage.

Reach out to an experienced agent like those you’ll find at Peter Laczko Insurance Inc. of the greater Woodstock, GA region. You’re sure to be pleased with the results.