If you own a classic car, it is important to get the right coverage to protect your investment. One of the key elements to obtaining the right coverage is to have your car appraised by a certified professional vehicle appraiser. Having this critical information is not only necessary for coverage through most companies, but it ensures that you have the proper coverage.

The Appraisal Process

You will want to find a reputable and knowledgeable appraiser that your insurance company will recognize when writing your policy. You can get a referral from a fellow car enthusiast or you may even get a recommendation from individuals in the automotive repair and sales field. You can even find them in your area by searching the internet. Upon receiving your appraisal, you then present it to your insurance company and insure your vehicle for the appropriate amount. Having this documentation available becomes key during the claims process.

Accident Claims

In most cases, accidents involving classic cars are the fault of the other driver, but there is an issue that you will probably run into during the claim. The other party’s insurance company will contest with a diminished value claim. Having your appraisal will help cement your claim and get the money you deserve during the claims process. Without a certified appraisal, you will not get enough to repair or replace the car adequately. If you make any additions or adjustments to your vehicle, you should have the car appraised accordingly and let your insurance company know immediately. Keep a record of all receipts and communications regarding the vehicle as advised by Georgia Office of Insurance Safety.

Having a classic car with the appropriate insurance requires you to have a certified appraisal that backs your insurance coverage in case of an accident. Protect your investment by keeping your appraisal updated and always inform your insurance company of any changes. If you are looking for high quality classic car insurance coverage in Woodstock, GA, Peter Laczko Insurance Inc. can help you get the coverage you need. Call or stop by for more information about insurance products.

Whether you live in Woodstock, GA or any of the nearby communities, the agents of Peter Laczko Insurance Inc. are available to help you learn the details about insuring your RV and making the most of your experience. Buying an RV is a major investment and can be quite rewarding if you are properly insured and able to protect yourself from financial loss. Many people who own RVs choose to live in them for a short amount of time each year. This means protecting your RV in much the same way as  your home.

Most RV insurance policies are designed to cover the same, main points as your other vehicles’ insurance policies, including collision, property damage, and personal injury liability. If you want to be fully protected, you will need to upgrade your policy to a comprehensive, full-coverage policy that covers everything from damage caused by fires and storms to theft and burglar. This will ensure that any damage caused by the vandals is prepared, as well as replacing any personal items that were stolen.

The agents of Peter Laczko Insurance Inc. serve the Woodstock, GA area and look forward to working with their clients. With their years of knowledge and experience, they can make sure you remain fully covered at all times and you are able to enjoy your RV experience no matter where you travel to. Our agents can write policies for small or large-sized RVs. If you live in your RV a few months out of the year, we will be able to make sure that your home away from home is just as secure as your primary residence.

Boat owners know they need insurance to protect their boat and its passengers when it is out on the water. However, not all boat owners are aware of all the risks that come from a hurricane. Hurricanes not only can destroy boats that are docked, they can move a boat to destroy other property as well. It is important to make sure you have adequate coverage for the special risks caused by hurricanes.

When your boat is moored to a pier or dock and hurricane winds or a high tide comes up, suddenly the risk of damage can be very high.  You do not have to only worry about your boat in such weather, you also have to worry about what happens if your boat breaks free and causes property damage when it is suddenly let loose in an out of control condition.

Boat owners are responsible for property damages caused when a boat breaks free from its moorings and careens out of control. This is why it is important to make sure you have adequate insurance coverage. If a boat comes free from its moorings and floats inland to crash through the window pane glass of a beautiful home, destroying the living room; the boat owner has liability for the damages.

It is always a good idea for boat owners to consider all of the risks about what might happen in a major storm and have as much protection with boat insurance as possible to cover all the contingencies.

The old adage "Better to be safe than sorry," applies to boat insurance as well. This means having adequate coverage for boat insurance considers all the possible things that can go wrong and covers as much as possible. This is the wise way to deal with this issue.

Contact your agent at Peter Laczko Insurance Inc. in Woodstock, GA for boat insurance right now, before hurricane season starts.

Motorcyclists are just like drivers when it comes to insurance. They need a policy that protects them and other motorists on the road. At Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, you’re able to get a customized policy that suits your needs. Bike owners are even able to opt for roadside assistance that can help in the event something happens to your motorcycle.  

1. Motorcycle May Break Down

Whether you routinely maintenance your bike or not, it’s possible it will break down. This is especially the case if your bike is older. You could find yourself stuck alongside the road with a broke down bike and no way to get home. With roadside assistance, you might be able to get back up and running and on your way, if something happens to your bike.  

2. Accidents Happen

You might get into an accident while you’re riding. It could entail another motorized vehicle or just your motorcycle. If it’s just your bike and not a major accident, no emergency responders will show up. Roadside assistance will respond to you and quickly. They might be able to repair your bike enough that you can make it home and take it into the shop. If need be, they’re able to tow your bike to get it fixed.  

3. Expense to Tow Your Bike 

Keep in mind, if we can fix your motorized device on site, you won’t have to pay for the expense to tow your bike. You won’t have to try to find a ride home either, which can cost you. Plus, finding a way home can be stressful.  

Find a bike insurance policy with roadside assistance that’s tailored to your needs by contacting Peter Laczko Insurance Inc., serving Woodstock, GA and the surrounding area, by calling 678-833-2860 today. 

Anxious. Excited. Overwhelmed. All of these are emotions we might feel as we prepare to move. When we find out we are going to move we may have anxiety over what’s to come. Not knowing what will happen once we move can be hard to deal with. It can also be exciting as we anticipate about our future in a new place. As we get ready to leave our old familiar settings our to-do lists get longer and longer and we get overwhelmed. We may remember about that renters insurance policy at the last minute and wonder if it will still be valid once we move or what to do. Peter Laczko Insurance Inc. wants to help by providing some information so you can cross this task off of your list.

Will My Policy Still be Valid if I Move?

The same rules apply whether you are moving to a new home in Woodstock, GA or somewhere in the state. A lot of times your policy can travel with you if you stay within the state, but it may not if you move out of state or abroad. Every policy is different so it is best to check with your carrier. 

What Should I Do If I am Going to Move?

When you find out you are moving you should notify your insurance company and give them your new address. When you call about your renters insurance, make sure to get confirmation of the change. If they don’t tell you how it will come make sure to ask.  Before you hang up ask for a reference number and the name of the representative you talked to. Peter Laczko Insurance Inc. wants you to be well prepared as you get ready to move to a new place in Woodstock, GA or somewhere else.   

A business in Woodstock, GA needs more than just great employees and fabulous service and products. Owners who take the time to get the best possible commercial insurance are the owners who can survive the unexpected. And make no mistake, the unexpected can happen to anyone at anytime. From storms to injuries to just plain bad luck, there are so many things that can happen to a company that could never be prevented. Instead of fearing it, Peter Laczko Insurance Inc. wants to help you be more prepared. 

Your Business Is Unique 

Commercial insurance can be customized to the specific threats of your business. For example, a strictly online retailer will have very different protection needs than a typical retail store will. 

You Need to Protect Your Income 

Insurance doesn’t just cover the repairs or replacements of damaged property or products. It also replaces the income that you would have made had your doors been able to stay open. For example, if it takes several weeks to repair your plumbing system after a major storm, you won’t have to worry about how much income you’ve lost. 

Cyber Crime Is Very Real 

Small businesses are extremely likely to be attacked either through hacking or through social phishing. Most owners don’t have security systems that can fend off the most advanced cyber criminals, so it’s extremely important to have protection against it.

Peter Laczko Insurance Inc. has been helping the owners of Woodstock, GA get the coverage they need when it comes to the right commercial insurance policy. We learn everything we can about what you do first. Give us a call if you’re looking to layer your protection, or if you’re just starting out with a new business.