Imagine this: you are driving your commercial vehicle to your next project location, when suddenly the inclement weather becomes too intense. You lose control of your vehicle, sliding into the car in the lane next to you. No matter who is considered at fault, you are then expected to present your proof of auto insurance to the other driver. If your commercial vehicle does not have insurance, the situation becomes much more complicated.

Commercial Auto Insurance in California

In California, all commercial vehicles are required to have insurance, and the driver must be able to present proof of financial responsibility for accidents they are liable for. For passenger vehicles, a certain amount of liability insurance is required based on how many passengers the auto can hold. Overall, this type of insurance is much like personal auto insurance except that it is much more specialized.

The Consequences

One of the most likely consequences for uninsured vehicles in Georgiais a suspended registration. The Department of Motor Vehicles will be notified that your insurance policy has been cancelled or does not exist. If no replacement is submitted within 45 days or a driver has provided false evidence of insurance, vehicle registration is cancelled. Driving with suspended registration can result in citations, fines, and possibly vehicle impound.

If a driver of a company vehicle is involved in a collision, the company or driver may be held personally liable for all damages incurred. Driving without insurance is financially very risky.

Obtaining Commercial Auto Insurance

Finding the right commercial auto insurance can be as simple as visiting the website of the agency you want to work with. In Georgia, insurance rates for commercial vehicles are based on the type of vehicle and its weight. If you have questions about commercial auto insurance, speaking with a licensed insurance broker at  Peter Laczko Insurance Inc. may be helpful.

 

Though earthquakes in Georgia are relatively rare, they do occur.  Even without distinct active faults, the Georgia Institute of Technology’s School of Earth and Atmospheric Sciences cites that about 15 percent of the earthquakes that occur happen in areas like Georgia.  Homeowners face significant damage to their property during an earthquake.  The northwest, central and west central counties of Georgia are considered to be areas of greatest risk. 

Before disaster strikes, homeowners can protect their home and property with earthquake insurance.  Insurance can’t prevent the disaster from happening but it can help significantly with the recovery process.  The key is to discuss whether earthquake insurance is right for your situation.  Your agent at Peter Laczko Insurance Inc. serving Woodstock, GA can talk with you about the variety of options that are available.   In addition to reviewing insurance options, homeowners should take the time to inventory and photograph their property and belongings.  This can save time and ensure proper documentation should the unthinkable occur. 

If your home is damaged during an earthquake, be sure to file a claim quickly with the necessary documentation and photographs.  Some policies will provide additional living expenses for policy holders whose home is significantly damaged and deemed uninhabitable. Your agent will discuss what the earthquake policy covers and what levels of coverage are appropriate for your circumstances. 

The agents at Peter Laczko Insurance Inc are ready to help you get the coverage that you need.  They will provide you with information about the available coverage options and work within your budget to get you the coverage that meets your needs.  Disasters can occur when they are least expected.  Call the home insurance experts at Peter Laczko Insurance at 888-883-1650 or visit www.insureyourtoy.com/ to get started.