At Peter Laczko Insurance Inc., we know that getting out in the great outdoors is a wonderful way to spend with your family. However, there are a few things you need to do to ensure everyone has a safe time. Here are three tips for prepping your Woodstock, GA boat for summer fun.

Tip #1: Have a Professional Check the Motor and Equipment

One of the easiest ways to prep your boat for summer fun is by doing a bit of routine maintenance. If you aren’t familiar with watercraft, have a professional check the motor and equipment to determine if everything is in proper order. Also, check any trailer tires for cracks or leaks, especially if they’ve been sitting in the sun during the off-season.

Tip #2: Pack Life Jackets for Everyone (and Make Sure They Fit Appropriately)

It’s also vital to pack life jackets for everyone who plans to be on board the boat, plus a few extras for any additional guests that might show up. If you are bringing children along for the trip, double check to make sure their old flotation devices still fit appropriately. Doing this is more than just a good idea—it could save a life.

Tip #3: Purchase Adequate Boat Insurance

Another tip is to purchase adequate boat insurance. While there’s no explicit requirement for insuring your watercraft, it is a good idea to at least carry some form of liability coverage. That way if there’s an accident during your day of fun, you can protect yourself against the potential for a costly lawsuit.
Got boat insurance? Contact our Peter Laczko Insurance Inc. team today to schedule an appointment or for a no-obligation rate quote. We proudly serve Woodstock, GA and surrounding areas.

 

With summer vacation on the horizon, campgrounds are being booked with reservations and RVs are being prepared. For many families in and around the Woodstock, GA, RVs and campgrounds will consume their summer vacation. If this sounds like your family vacation, it may be time to contact Peter Laczko Insurance Inc. for RV insurance to protect your family and belonging this summer in the campground. While RV insurance is not required in Georgia, it is highly recommended and a necessary layer of protection for investments. 

Comprehensive Coverage

RV insurance covers your camper while you are both driving down the road and also while you are parked in the campground and using your RV for lodging. A standard auto policy will not cover any damages that occur during lodging use, which is why RV insurance is so essential to families spending their vacations in a campground. Should accidents, theft, or tragedy strike your RV while you are camping, coverage is available for repairs or replacements of personal property within the RV, as well as the RV. 

Cover Your Toys

If you are looking to carry other types of recreational vehicles on your camping vacation such as ATVs, golf carts, or Jet skis, add them to your policy so that they are covered, as well. Like your RV camper, these vehicles are at risk for the same types of damages while lodged in the campground. 

Protect Your Vacation Today

If you do not currently have a policy for your RV camper, contact the Peter Laczko Insurance Inc. agency today. Proudly serving residents in and around the Woodstock, GA area, our agents are available to take your call and provide you with more information regarding your policy. Enjoy a campground vacation without any worries this summer. 

Throughout the country, motorcyclists usually have to have motorcycle liability insurance. It’s the type of insurance that assists in paying for damages or injuries to others as the result of you causing an accident. Peter Laczko Insurance Inc. serves the Woodstock, GA and helps individuals comply with the law and prevent a lawsuit and financial complications. 

Bodily Injury Coverage

Bodily injury coverage is part of liability insurance. It takes care of the medical expenses accrued as a result of an accident. This particular coverage takes care of expenses to both the driver and passengers in the vehicle. The bodily injury coverage helps take care of expenses related to doctor’s stays as well as hospital visits. It also covers prescription medications that any of the parties may need after the accident. For people who need to undergo therapy, this insurance covers physical therapy expenses. Even home healthcare can be covered under this insurance. It takes care of the expenses that occur from any of the parties losing wages. Additionally, this is the part of the insurance that covers funeral expenses. 

Your Bodily Injuries 

Bodily injuries that you experience aren’t covered with this particular part of your motorcycle insurance. Your medical payments coverage is the aspect of your insurance policy that takes care of these expenses. It may, however, give you coverage for the legal fees you receive if you should happen to be sued. 

Requirements for Liability Insurance Coverage

You’ll need to meet Georgia’s requirements for liability coverage, which an agent will educate you about. Any additional coverage you have is your personal choice. You should consider the fact that an accident can cost more than the state’s minimum.

Contact Peter Laczko Insurance Inc. today for a quote. We serve the Woodstock, GA area and are available by calling 678-833-2860.

In today’s hectic world the line between being on and off the clock can get blurred pretty quickly. If you are a business owner whose staff sometimes uses their own vehicles to conduct business, you may want to take a closer look at your commercial insurance policy. The team at Peter Laczko Insurance Inc. is here to help the business owners in the greater Woodstock, GA area to understand their commercial insurance policies and ensure that they have the protection that they need. The law in Georgia is sometimes confusing when it comes to insurance coverage for employees using their own vehicles. We recommend that all commercial policies be reviewed on a regular basis to make sure that they are providing the current level of protection that is needed.

Understand the level of protection that your comprehensive commercial policy provides

The insurance guidelines in GA can be confusing, and many events are taken on a case by case basis. For example, if your employee leaves the office during regular business hours and conducts work using their own vehicle and does nothing else, they will likely be covered. But, if they go to lunch and stop and pick something up for work reasons on their way back to the office, a mishap would likely not be covered. If you are concerned about employees using their own cars for work purposes, it makes sense to have your current policy reviewed. There are many different policy types and coverage levels available and you will likely find one that meets all of your needs. 

Want to learn more about your comprehensive commercial insurance options? Contact the team at Peter Laczko Insurance Inc. today to schedule an appointment at their Woodstock, GA office. 

Owning a golf cart can be a lot of fun and it can also add a lot of convenience to your everyday life. Whether you live in a planned community or have a lot of lands that you need to traverse, a golf cart is a great option. Even though these vehicles are a lot of fun, one must still behave in a responsible manner when driving one, and this sense of responsibility also includes obtaining insurance coverage. If it’s time for you to check out your golf insurance options in the Woodstock, GA area, Peter Laczko Insurance Inc. is here to help.

More Than Just a Toy

Golf carts have been known to tip over or go off the road and cause damage to lawns and plants. Liability insurance for your cart can help minimize the effect of such mishaps on your finances while keeping you in the good graces of your neighbors. Damage, vandalism, and theft of the vehicle may also be covered by your cart insurance. Whenever you are operating a motorized vehicle, no matter the type, it is a smart idea to carry liability protection. If you have passengers on your cart, you will want protection in case of an accident where there is an injury. Owners who have teenaged children or grandchildren operating their golf cart are especially vulnerable to mishaps and golf cart damage. Don’t be caught without the protection that you need to cover your golf cart!

Now is the perfect time to learn more about this type of insurance protection. If you are a resident of the greater Woodstock, GA area and would like to find out more about your options for golf cart insurance, call or stop by Peter Laczko Insurance Inc. today!

Peter Laczko Insurance Inc. is here to serve Woodstock, GA and the surrounding areas and one of the most common questions asked has to do with ATV insurance. Namely, is this a required purchase that needs to be made in the Woodstock, GA region?

While there are laws that have been put into place to govern the operation of these vehicles in certain Georgia locations, there is no law on the books that requires a specific insurance policy for drivers. Those who operate their ATV in the state of Georgia are able to do so without carrying liability insurance.

However, ATV insurance still remains very important. ATV coverage is just like any other form of coverage that is considered. The motorist must decide on a policy that covers their specific usage of the vehicle and provides the necessary coverage for any other loved ones who may be utilizing the ATV.

Some motorists may wish to use their ATV on an everyday basis and others could decide that they are searching for a more recreational policy. Woodstock, GA ATV owners and operators are able to direct all of these questions to experienced Peter Laczko Insurance Inc. agents, who are on hand and ready to address such concerns.

Those who reside in rural areas and will be using the ATV for various forms of farming work are not going to have the same requirements as city dwellers looking to ride on the weekends. Meanwhile, local residents who are more likely to utilize their ATV for hunting or fishing related endeavors are also going to need coverage that caters to these specific needs.

Woodstock, GA residents who are looking to learn more about the assistance that Peter Laczko Insurance Inc. has to offer when it comes to ATV insurance are urged to stop by as soon as possible. 

If you enjoy camping or taking long road trips, one great asset to invest in would be a travel trailer. When you have a travel trailer, you will have a comfortable place to relax, sleep, and even prepare meals. While a travel trailer can provide you with many great memories, they are also expensive assets that need to be properly covered by insurance. There are several reasons why someone would need to get travel trailer insurance

Protects the Asset

The main reason why someone would have travel trailer insurance is that it will help to protect their valuable asset. When you have a travel trailer, you always will have the risk of it being damaged by a fire, car accident, or any other type of loss. Since this can be a big purchase for people in the Woodstock GA area, making sure that you have appropriate coverage for your travel trailer is a necessity.

Complies with Agreements

When you have a travel trailer, you may need to take out a loan or a lease to finance the purchase of it. If you do take out any type of financing for your travel trailer, the lender will require that you carry insurance at all times. This will ensure that their collateral is properly protected.

If you have a travel trailer in the Woodstock, GA area, you should contact the Peter Laczko Insurance Inc. team to discuss your needs. The professionals at Peter Laczko Insurance Inc. will be able to give you more insight and guidance into what your travel trailer insurance needs are. They can then help you to get into a policy that provides you with the right level of coverage for your travel trailer.