In Woodstock, GA, the agents of Peter Laczko Insurance Inc. offer several different types of insurance for vehicles and watercraft. Each agent is available to help you understand the rules and regulations that pertain to legally operating a boat or other type of personal watercraft on the state’s waterways. Just like operating a motor vehicle, there are rules of the water that must be followed.

Legal Age

In the state of Georgia, a person must be at least 16 years of age to legally operate a boat or any other type of personal watercraft throughout the state of Georgia. INdividuals between 12 and 15 may also legally operate a watercraft if they have applied for and received a valid boating license. For younger operators, it is strongly recommended that they complete a safe driving boating course that teaches the basics of water safety. 

Proper Identification

Another requirement is that whoever is operating the boat must have a valid driver’s license or other forms of identification. If the person is between the ages of 12 and 15, their valid boating license will serve as their identification. Even adults who operate any type of personal watercraft must have in their possession a valid form of identification with them at all times.

The agents of Peter Laczko Insurance Inc. are always on hand to answer questions about your boating insurance policy. If you live in the Woodstock, GA area, call and talk to one of the agents today. They will be able to provide you with the answers you need and will make sure you have the coverage you need to protect yourself and your family.

When you first buy a motorcycle, the last thing on your mind is getting into an accident.  However, in order to cruise down the highway with the peace of mind that you’re adequately covered, you need to understand what your insurance requirements and options are. Your representative at Peter Laczko Insurance Inc. can walk you through the details of the different types of insurance. Here’s some information to get you started, so you can get your bike on the road in Woodstock, GA.

Required Insurance

Like most states, GA requires you to carry insurance for bodily injury and personal property damage in an accident you cause. However, there are many additional coverage types that you may benefit from. 

Optional Coverages

When shopping for motorcycle insurance in Woodstock GA, consider that liability insurance doesn’t cover you, your bike or your passenger. Here are the types of insurance that you might need, depending on your personal situation.

• Collision insurance pays for repairs to your bike if it’s damaged in an accident.
• Comprehensive coverage pays for repairs to your motorcycle in case of vandalism, theft, fire, or other natural disasters.
• Medical payments cover your injuries after an accident.
• Towing and labor cover you if you’re stranded when your motorcycle breaks down. It provides emergency roadside assistance or towing.
• The uninsured/Underinsured motorist pays for damage and injury caused by an underinsured or uninsured motorist. It protects you if you are in an accident caused by an uninsured motorist.

Contact Us

Contact Peter Laczko Insurance Inc. for more information on purchasing motorcycle insurance or to set up an appointment for a free quote for your motorcycle in Woodstock, GA.

 

There’s no denying that a large percentage of Millennials are living with their parents. In fact, according to certain studies, the rate of young adults choosing to stay in their parents’ homes is higher than it ever has been. If you happen to be one of these young adults, there’s no need to feel alone. What you do need to do, however, is make sure that you are protecting your belongings with insurance just the same as you would if you were living in an apartment or renting a house from a landlord. 

Do I Need Insurance If I Rent From My Parents?

When you live with your parents, you can still speak with an insurance agent about purchasing renters insurance. Many insurance companies will allow you to buy coverage for your personal belongings. All of your parent’s belongings will have to be covered by their own homeowner’s policy. Purchasing renters insurance while living at your parents is especially simple when you have your own entrance to the home and your own living quarters. 

It should be noted that the specifics of a renters insurance policy will vary from one insurance provider to the next, making is very important to speak with an agent to determine exactly what is covered and what is not. If you have chosen to stay in your parents home, regardless of your reasons, you definitely need to speak with an insurance agent to see how renters insurance can be of benefit to you. Even if you are staying there for a limited amount of time to save up for your own home, a renters insurance policy can provide you with peace of mind. 

Contact Peter Laczko Insurance Inc. today to learn more about renters insurance in Woodstock, GA. 

If you are a business owner in the Woodstock, GA area, you will find that there are many important business decisions that need to be made. One very important decision you will have to make is whether or not to get commercial insurance. There are several situations in which having commercial insurance is a necessity.

You Have a Loan

One situation in which you may be required to carry commercial insurance is if you have a business loan. Taking out a business loan and be a very good financial decision for many business owners. However, when you do have a business loan, you will be required to carry commercial insurance and name the lender as an additional insured party. 

When You Have Employees

Another situation in which having commercial insurance is a necessity for your business is if you employ people. In the state of Georgia, all companies that have more than three regular employees are required to carry workers compensation coverage. This type of insurance will help to ensure that your employees are properly covered in the event they are injured while working.

Operate Out of a Property

If you operate out of a property, you also need to carry property insurance as a form of commercial insurance. Even if you are the tenant on the property, you will likely be required under the lease to carry coverage on the building. This will provide you with protection if the building is damaged.

If you are a business owner in the Woodstock, GA area, you should contact Peter Laczko Insurance Inc. When you meet with Peter Laczko Insurance Inc, you can receive more information about your needs for commercial insurance. The company will help to make sure that you get a policy that provides you with the right type and level of coverage.

 

Boating is a very popular sport in the United States. Some boaters simply love the peacefulness of sailing. Others love boats that are built for speed. Boats are powerful, and the use of a boat brings with it certain responsibilities.

Are there boating laws in Georgia?

Georgia, like most states, has rules and regulations regarding the responsible operation of boats. For example, in Georgia, you must be at least 12 years old to operate a boat of any kind. This includes a small fishing boat. Further, if you are between the age of 12 and 16 years of age, you are required by law to obtain a Boating Safety Certification.

It does not matter if you are a citizen of Georgia or a different state entirely. If you are between 12 and 16 years old, you but be certified to operate a boat in the state of Georgia.

Moral responsibilities

People who use the waters in Georgia for boating and water sports are expected to behave responsibly. Drinking alcohol while operating a boat is not only irresponsible, it is foolish. If you are in doubt of how foolish it is, contact Peter Laczko Insurance Inc. for insurance coverage in Woodstock, GA.

People often drive too fast and beyond their experience level. They get too close to other boaters or fail to see swimmers or skiers. The simple fact is, people are seriously injured and/or killed every day in boating accidents.

Is boating insurance required in Georgia?

The law does not require a boat-owner to carry boat insurance. There are times when homeowners insurance may cover the theft of a boat on your property but even that is not an “always case.”

However, if you are responsible for causing someone to be injured or killed due to your negligence or deliberate indifference, you can bet that they will sue you for damages and it can get very costly, very quickly.

A boat accident can happen so fast that it is often hard to determine what happened. Georgia has specific laws that tell you when and where you must report a boating accident.

Before you get behind the wheel of a boat and set off for an exciting day, be smart. In Woodstock, GA, contact Peter Laczko Insurance Inc. and educate yourself on what you should do to protect yourself and those you love.

 

Motorcycle insurance pays to repair or replace your motorcycle after an accident, damage or theft. The policy also meets your medical costs after an accident and handles your litigation fee if you are sued after an accident. At Peter Laczko Insurance Inc. we write motorcycle insurance in Woodstock, GA. 

Here are our motorcycle insurance coverage options;
Comprehensive coverage
This coverage option meets your motorcycle repair expenses after an accident. Also, it meets the replacement cost of your motorcycle if it is stolen or damaged by covered perils. 

Liability Insurance
Liability insurance pays your litigation fee if you are sued for damages by a complainant.  If the court finds you liable for damages, the coverage option steps in to pay your due damages. 

Personal Injury coverage
Medical expenses after an accident can be overwhelming to most people. This coverage option eases this financial burden by paying your medical expenses. Regardless of who is at fault, the coverage option will settle your bills. 

Collision Coverage
A collision could damage a third party’s motorcycle or vehicle. The coverage option pays to repair the other party’s vehicle or motorcycle regardless of who was at fault during the incident. 

Get Motorcycle Insurance in Woodstock, GA.
If you own a motorcycle, it is advisable that you take up a motorcycle insurance coverage for it. At Peter Laczko Insurance Inc. we offer reliable motorcycle coverage solutions to our clients. Our limits are set based on the local insurance needs; as such, you can be sure that our coverage will be ideal for you. Let us cover your motorcycle today; contact us and speak to one of our agents about your potential motorcycle cover. Visit our website for a free estimate of your policy; also, feel free to browse the site for other insurance policies. 

If you use your golf cart extensively on the green or within your Woodstock, GA community, you may want to consider golf cart insurance. Golf cart insurance offers you liability, theft and property damage protection in the event of an accident. By consulting with an agent from Peter Laczko Insurance Inc. you can get a better idea if golf cart insurance would be beneficial for you.

Basic Coverage

If you do decide on golf cart insurance, basic coverage could include liability coverage for property damage and injuries, comprehensive coverage and collision insurance.

Liability insurance will pay for injuries and damages to others in an accident you cause. If you accidentally run into a pedestrian or bike rider while driving your cart in the community, your liability coverage will cover medical and property damage costs.

Collision coverage will help pay for damages to your golf cart if you collide into a car, tree, house, etc., so you don’t have to cover the whole expense out of pocket. If your cart’s stolen or suffers damage from inclement weather, your comprehensive coverage will help pay for the cost of replacement or repairs. 

Are Golf Carts Covered Under Home or Auto Insurance?

For the most part, home and car insurance policies aren’t designed to cover golf cart usage. By reviewing your home and auto policies with your agent, you can see what these policies have to offer in regards to protecting your cart. If these policies offer little or no protection, you have several options. You can obtain an endorsement on your home or auto policy to cover your golf cart or you can purchase a separate insurance policy to protect this item.  

To learn more about the benefits of golf cart insurance, coverage options and cost, contact Peter Laczko Insurance Inc. in Woodstock, GA. 

Peter Laczko Insurance Inc. serves Woodstock, GA and the surrounding area with various types of insurance including worker’s compensation insurance. We’re asked frequently if the insurance is necessary and how it can benefit a business. You should always think "what if" rather than "it won’t" in terms of serious events, especially ones involving your employees. 

1. It Protects Your Employees. 

Worker’s compensation insurance protects your employees. If one of them should happen to get hurt, it takes care of their medical bills and will even cover the expense of their lost wages while they’re off work. Ultimately, the insurance helps your employees get back to work sooner. 

2. It’s the Law.

In many states, you must have worker’s compensation insurance as long as you have one employee. Always talk to your insurance representative to determine your business’ legal worker’s compensation obligations. If your employees travel across state lines, you have to be particularly careful of your policy, so make sure you stress this fact when you speak to a representative. 

3. Protect Your Business and Assets 

This particular insurance protects your business from a lawsuit if an employee should happen to get hurt on the job. If any employee would get hurt on the job and you didn’t have any worker’s compensation insurance, you’re putting your business and assets at risk since you’ll owe the expense. 

4. Cheaper Than a Lawsuit

A lawsuit can get quite expensive quickly, especially when medical bills are involved. For a small premium, you’re able to save yourself money in the long run if an employee would happen to get hurt. 

Contact us at Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, by calling 888-883-1650 or 678-833-2860 to get a quote for worker’s compensation insurance to protect what you value–your employees and business.