Month: September 2020

5 Variables To Consider While Researching Golf Cart Insurance Policies

Posted on by AgentInsure

Peter Laczko Insurance Inc. serves the Woodstock, GA community by offering residents different types of insurance policies. As an independent agency, we have established successful partnerships with several different agencies throughout Georgia. This allows us to find a solution to our client’s insurance needs regardless of what they are looking for.

Golf Cart Insurance Variables

Golf carts have unique versatility that makes them a convenient option for many people. If you own a golf cart in the Woodstock, GA area, it’s important that you have coverage for your investment. Golf cart insurance allows you to protect your vehicle in the event that it is damaged or possibly stolen. Here are some variables to consider while you research different golf cart insurance policies.

Search For A Stand Alone Policy

Many people try to amend one of their current policies in order to cover their golf cart. That is a mistake. In order to ensure that you receive the coverage that you need, look for a stand-alone golf car insurance policy.

Treat Your Golf Cart Like A Regular Vehicle

Make sure that you research comprehensive coverage for your golf cart the same way that you would for your traditional automobile. In the event that your golf cart is involved in an accident, you should be protected.

Extra Coverage

Consider amending your policy to include special coverage like roadside assistance. That way, you’ll be protected in the event that your golf cart stops working.

The Golf Cart’s Usage

While researching different policies, consider your golf cart’s usage. If you are only using your golf cart on the course, your policy will be different compared to using your cart for other endeavors.

Storage

Think about where you store your golf cart when you aren’t using it. The policy should cover your cart while it is in storage in the event that your cart is vandalized.  

Peter Laczko Insurance Inc. Will Assist You

For more information on golf cart insurance, visit our website today!

How Much Auto Insurance Do You Need In Georgia?

Posted on by AgentInsure

Auto insurance is required if you plan to drive your car in Woodstock, GA. How much indemnity coverage you need, however, is largely a matter of legalities mixed with lifestyle preferences. The agents at Peter Laczko Insurance Inc. can help you create an auto insurance plan that satisfies Georgia state law as well as your financial needs. 

How much insurance is required by law?

Georgia is a “fault” state, which means that the driver determined to be at-fault in an accident must pay for damages related to the event. According to state law, you are required to have at least: 

  • $25,000 per person ($50,000 per accident) for bodily injury;
  • $25,000 per accident to pay for property damage;
  • $25,000 per person ($50,000 per accident) for uninsured motorist protection;

Having an auto insurance plan to suffice the state’s requirements is ideal for preventing citation from a law enforcement officer. Such coverage does not, however, remove all legal obligations should your policy not be enough to pay for damages caused in an accident. 

How much auto insurance do you need in Woodstock, GA?

The amount of indemnity insurance you need for your car or truck depends on a number of lifestyle factors such as:

  • Your possessions. Those who own homes may be more inclined to purchase higher auto insurance to protect their greatest asset in the event of a lawsuit. 
  • Your driving tendencies. Those who commute to work every day may choose policies that pay more for bodily injury or property damage. Such drivers may also opt for roadside assistance and rental car protection. 
  • The age of drivers. Teen drivers are more susceptible to accidents, which is why parents may choose higher premiums for more protection. On the other hand, senior drivers who take short distance commutes to the grocery store once a week may purchase insurance that pays less in the event of an incident. 

Regardless of whether you drive often or occasionally, you need an insurance plan that satisfies Georgia’s state law while also fitting your lifestyle. Call Peter Laczko Insurance Inc. today to get started with a quote for auto insurance.