Classic Car Insurance FAQs

If you have a classic car, you need insurance designed to protect your treasure. At Peter Laczko Insurance Inc., we offer insurance for your favorite toys, which includes classic car insurance in Woodstock, GA. 

What is Classic Car Insurance?

Classic car insurance is a policy designed especially for classic cars. These policies have several differences when compared to standard policies. 

One difference is that the vehicle’s value is usually agreed upon before the policy begins. These aren’t expected to depreciate or decrease in value over time. In fact, you may need to increase the coverage as time goes by because they can increase in value.

What Cars Are Considered Classic Cars?

Each insurance company creates its specific definition for a classic car. However, there are some standards you can expect.

Generally, vehicles that are ten years or older can be considered classic cars. Cars that are twenty-five years or older are usually referred to as antique cars. This also applies to trucks and even military vehicles and farm equipment. 

Newer vehicles can also be considered classics in some cases. This applies to exotic or limited edition vehicles. For example, a Lamborghini can be classified as a classic car because of its rarity and value. 

Are There Restrictions or Requirements for a Classic Car Policy?

Yes. Generally, you’ll need to keep your vehicle in a garage or secured and covered area to qualify. Most insurers also have restrictions on how often you can drive the vehicle. They may limit the number of miles you can travel in your vehicle.

Classic Car Insurance at Peter Laczko Insurance Inc.

If you have a classic car in Woodstock, GA, contact us at Peter Laczko Insurance Inc. Our knowledgeable agents are here to answer any questions and help you select the best policy for your unique needs. 

Types of RV Insurance Policies: Which One is Right for You?

If you are planning to leave Woodstock, GA in your RV, it is essential to have insurance coverage. RV insurance from Peter Laczko Insurance Inc. can protect you from the risks of traveling and provide financial assistance if you have an accident.

1. Liability Insurance

Liability insurance is the most basic type of insurance policy and is legally required. This policy covers the costs of damages you cause to someone else’s property or person while driving your RV. It doesn’t cover damages to your vehicle or personal injuries incurred by you or your passengers.

2. Collision Insurance

Collision insurance covers damages to your RV when you collide or overturn it. This policy is essential if you have a new or expensive RV. Collision coverage also helps cover accidents involving other drivers who cause damage to your vehicle and have no liability insurance.

3. Comprehensive Insurance

A comprehensive insurance policy typically covers non-collision damages such as theft, vandalism, fire, or damage caused by natural disasters. It ensures you are protected from harm and damage to your RV in almost every situation.

4. Full-Time RV Insurance

A full-time RV insurance policy is customized for those living full-time in their RVs. It provides cover for both your RV and personal property inside it. Besides, it offers liability coverage for people who get hurt in your RV or parking spot.

5. Bundled and Add-On Insurance

Many insurance companies offer add-ons to their policies, giving you more coverage options. These can include roadside assistance coverage, emergency expense coverage, or personal effects coverage.

RV insurance ensures an excellent RV experience beyond Woodstock, GA. You can also consult with Peter Laczko Insurance Inc. to understand better the different policies and the coverage they offer.

Safe riding tips for new motorcycle riders

Safe riding is essential for all motorcycle riders here in the Woodstock, GA area, especially new riders. Here are some tips from us at Peter Laczko Insurance Inc. to help ensure a safe and enjoyable ride. 

  1. Wear the Right Gear: Wearing the proper safety gear when riding is essential for protecting yourself from injury in the case of an accident. Wear a helmet, protective eyewear, gloves, boots, and other appropriate protective clothing. 
  2. Take a Motorcycle Safety Course: Taking a motorcycle safety course can increase your confidence and help you learn more about operating your bike safely and correctly. It’s also important to brush up on state laws pertaining to riding motorcycles in case any changes could affect you or your journey. 
  3. Practice Safe Riding Habits: Being aware of road conditions and obeying all traffic laws is essential for keeping yourself safe while riding. Always stay focused on the road and be alert for other vehicles or obstacles that may be in your way. Use turn signals before changing lanes or making turns, always check blind spots before switching lanes, and give yourself enough time to slow down or stop if needed. 
  4. Be Prepared: Before taking off on a ride, ensure all necessary maintenance has been done on your bike so it’s running correctly and safely. You should also carry a few essentials such as water, snacks, a first aid kit, and tools for basic repairs or adjustments. 

By following these tips, motorcycle riders can have an enjoyable experience while staying safe on the roads! For more tips, call us at Peter Laczko Insurance Inc. today. We serve the Woodstock, GA area.

Should You Let Others Drive Your Boat?

Owning a boat can be great fun but also a great responsibility. Here at Peter Laczko Insurance Inc, serving Woodstock, GA, we want to help boat owners understand more about liability risks. Keep reading to learn about the risks when letting others drive your boat.

Is It Legal For Other People To Drive My Boat?

Yes, it is usually legal for others to drive your boat as long as they are of age. However, whether or not you should let others drive your boat is a different question. 

Should I Let Others Drive My Boat?

Whether or not you allow others to drive your boat is similar to allowing others to drive your car. There are probably a few people you have in mind that you wouldn’t mind allowing to drive your car, but then again, you probably know plenty of other people you would never allow to drive your vehicle. This is where you will need to use common sense and personal knowledge of the individual. 

People Who Should Never Drive Your Boat?

There are a few individuals that you should never allow to drive your boat for any reason. Let’s look at those. 

Intoxicated individuals– You are responsible for ensuring an intoxicated individual never takes control of your boat. If this person wrecks the boat, injures someone, or causes damage to someone else’s property, you will be held responsible, not them. 

Underaged individuals– You should never allow an underaged individual to drive your boat. You should follow state and local laws concerning a safe age to drive a boat. 

If you would like to learn about boat insurance, don’t hesitate to contact us at Peter Laczko Insurance Inc., serving Woodstock, GA, and the surrounding areas. 

How Does Commercial Auto Insurance Work?

Owning a business comes with many extra responsibilities and costs that most people don’t think about when they think of owning a business. Some additional responsibilities include having the required licenses and insurance coverage for the state. Below, we will discuss what the state of Georgia requires for commercial auto insurance and how commercial auto insurance works.

Commercial auto insurance limits

Georgia has a financial responsibility law that requires businesses to have certain types of insurance, including commercial auto insurance. The financial responsibility law requires the following types of commercial auto insurance coverage:

  • Bodily injury liability coverage – $25,000 for the death or injury of one person and $50,000 for the death or injury of two people.
  • Property damage liability coverage – $25,000 limit for property damage to others in one incident.
  • Uninsured motorist coverage – The insurer must offer uninsured motorists coverage as an option.

How commercial auto insurance works

When you get a commercial auto insurance policy, it covers you and anyone driving the vehicle or vehicles for business-related things. If the person driving a commercial car causes an accident, they can use your commercial insurance policy to file the claim. You or the business are responsible for the monthly premium, the deductible, and any cost after the policy’s limit runs out.

On top of the required limits for commercial auto insurance, getting additional coverage, such as collision and comprehensive coverage, is a wise idea. If the vehicle is damaged or the driver is injured in an accident that they caused, you will not have to pay for the costs out of your pocket.

Contact Peter Laczko Insurance Inc.

If you need auto insurance for your business, give us a call or stop by Peter Laczko Insurance Inc. in Woodstock, GA.

Why should you get ATV insurance in Georgia?

Those that are in the Woodstock, GA area will find that there are a lot of great places to enjoy the great outdoors. To take advantage of this area as much as possible, getting an ATV could be a great option. Those that choose to get an ATV also need to have proper insurance for it. There are many reasons why someone here should get an ATV insurance plan. 

Cover Your ATV

A reason that you should get an ATV insurance plan is that it can cover your ATV. Those that get an ATV in this area of Georgia will spend a lot of money buying and maintaining their ATV. As this can be a valuable investment, you will want to ensure that the investment is properly covered and protected. A great way to do this is with ATV insurance as it can help to replace your ATV if it is stolen or covers damages if there is an accident.

Liability Protection

You should also get an ATV insurance plan to ensure that you are covered for liability. Whenever you operate an ATV, there is going to be a chance that you could cause an accident. When you do cause an accident, you will have to pay for the damages related to it. As these damages can add up quickly, you will benefit greatly from having an ATV insurance plan as it includes liability coverage.

Picking an ATV insurance plan in the Woodstock, GA area is an important choice. When you are going to look for a new insurance plan here, you should call Peter Laczko Insurance Inc. The insurance professionals with Peter Laczko Insurance Inc. understand the value that this coverage provides and they can help you to build and choose a policy. 

Why Travel Trailer Insurance Is An Asset For Georgia Residents

Peter Laczko Insurance Inc. serves the Woodstock, GA community by offering different policies. We strive to provide a transparent experience to our clients. We are an independent agency.

Why Travel Trailer Insurance Is An Asset

Many Woodstock, GA residents enjoy camping. If you plan to go camping, perhaps you are attaching a travel trailer to your RV because you plan on taking an extended vacation. Travel trailer insurance covers your asset while you enjoy a nice vacation.

Travel Trailer Insurance is important because it’s the only way to fully cover the accessory. If something happens to your travel trailer, you can’t cover it through your auto or RV insurance policies. Having a travel trailer policy is the only way to protect your asset if it is stolen, vandalized, or damaged in a collision.

Comprehensive Coverage

Travel trailer coverage protects your trailer if you collide with an animal while you are camping or there is inclement weather in the area. You are protected if your trailer catches on fire or a tree falls on it and causes damage. Hurricanes and tornadoes are a constant threat in the South. You’ll be protected if powerful winds cause damage to your trailer.  

Replacement Coverage

If your travel trailer suffers serious damage, you are protected if you need to find a new one. You can also find temporary lodging coverage so that you will be covered if you have to seek temporary lodging elsewhere while your trailer is repaired.


All of your personal items inside the trailer are covered if they are stolen or damaged.

Roadside Assistance

You can add roadside assistance to your policy to cover you if you have a flat tire or you need emergency towing service.

Peter Laczko Insurance Inc. Will Help You Find The Coverage That You Need

Visit our website today to learn more information on travel trailer insurance.

Required Commercial Insurance in Georgia

Like other states, Georgia has its own laws about which type of insurance policies must be held by small business owners. This is protection for others as well as for you as the owner. If you don’t have the proper coverage for your business, contact us at Peter Laczko Insurance Inc in Woodstock, GA.

Workers’ Compensation Coverage

Workers’ compensation is there to protect the employees of a business as well as the business itself. In Georgia, it is required to have this insurance for every business that has three or more employees, even if they are part-time workers. This assured workers that there will be funds to pay their medical bills if they should have an accident or develop an illness at work.

Commercial Auto Insurance Coverage

Georgia also requires that every business that owners a car have a commercial auto policy. The state has a specific amount stipulated for the minimum amount of coverage you have to have for bodily injury liability for one person and another amount for the bodily injury liability for everyone in the accident. It also requires a set minimum of property damage liability for an entire accident. If your vehicle is not owned by the company, but it is used for company business, it’s generally a good idea to cover it with an auto insurance policy called hired and non-owned. 

General Liability

A general liability policy is not required by the state, but it is a recommended type of insurance that can cover many more instances of liability that may not be covered by other policies. It’s a good idea to have this layer of liability protection in today’s highly litigious world. 

Call for More Information

If you have a small business in Georgia and need insurance for it, call us at Peter Laczko Insurance Inc in Woodstock, GA to make your appointment to talk with an agent.

What You Need to Know About Golf Cart Insurance

There are a lot of different kinds of vehicles out there, and most of them need insurance. But people typically think of the cars, trucks, and SUVs they drive on public roadways. They often don’t consider other types of vehicles, such as low-speed motorized options. In some instances, though, these also have to be covered. That’s why Peter Laczko Insurance Inc. offers options for golf cart insurance for residents of the Woodstock, GA area. Driving a golf cart on public roads and other spaces can mean having the right insurance to protect yourself and others.

You want to make sure you have a good policy that will keep you safe and reduce your risk. If you’re not sure what kind of coverage you should have on your golf cart, you’re definitely not alone. Our professional agents can help you find the policy option that’s the right one for your needs, so you’re properly protected. The way you use your golf cart and where you drive it can be very important for finding you the best type of policy and level of coverage for your specific situation. But we’re here to make it easier for you.

Reach out to us at Peter Laczko Insurance Inc. today, and we’ll work with you on a golf cart insurance policy that meets your needs. We want all of our Woodstock, GA area customers to feel safe and secure with the insurance they have. We know how important it can be to enjoy peace of mind, and that’s a big part of what insurance is for. You don’t have to settle for anything less than a policy you feel right about. We’ll be here to answer your questions about insurance, so we can get you a policy that works for your life.

Trucking Insurance Options

With slower stops, very tall semi-trailers on the back, and wide turns to be made, trucking can be dangerous and not for the faint of heart. This means that not only is it important for a truck driver to drive wisely and very safely, but to obtain the correct amount of trucking insurance in case of an accident. The insurance agents at Peter Laczko Insurance Inc. in Woodstock, GA know and understand the importance of having an adequate trucking insurance policy in place.

What Does Trucking Insurance Cover?


Trucking insurance is very similar to auto insurance, including the fact that liability insurance is required in the state of Georgia for all drivers, including truck drivers. Liability insurance will pay for any injuries or property damage sustained by someone else in an accident caused by the driver of the truck.

Non-Trucking Liability

This type of liability insurance is the same as a regular liability auto insurance policy but it covers the truck driver if he has an accident when he’s using the truck for non-work purposes.

Cargo Insurance

Cargo insurance will assist in compensating for any damaged or lost cargo during the transportation process.

Comprehensive Insurance

Comprehensive trucking insurance coverage will cover the truck if it is damaged or destroyed by a natural disaster, a fire, or vandalism. This coverage option will also help pay to replace the truck if it is stolen.

Collision Insurance

This type of insurance will cover any damage that is caused due to a collision with another vehicle or an object. For example, if the driver of a truck backs into a building while attempting to unload its cargo, this will cover any damages to the truck and the building.

Bobtail Insurance

Bobtail insurance will cover a truck that is being driven without the trailer attached.

To obtain the best trucking insurance policy for you and your situation, contact the experienced and trusted agents at Peter Laczko Insurance Inc. in Woodstock, GA to get your policy started!