Peter Laczko Insurance Inc.

What Will Your Auto Insurance Do About a Failed Transmission?

Posted on by AgentInsure

Did your Woodstock, GA vehicle suffer from complete transmission failure, and you aren’t sure what to do? Can you get it covered by your insurance? At Peter Laczko Insurance Inc., we know the short answer is "no," while the slightly longer answer is "that depends on a few things."

Wear and Tear Damage is Not Covered

If you’ve ever tried to get wear-and-tear transmission problems fixed with your insurance, you probably know your problem is not covered! Why is that the case? Simply put, this type of problem is something that you should have caught with general maintenance.

Note that this is true of any wear-and-tear issues affecting your vehicle. By this, we mean that your repairs aren’t covered if your transmission fails due to another part failing. Is there ever a circumstance in which your transmission problems might get protected? Yes, but only a few.

Accident Damage May Be Covered

Did your transmission fail due to damage caused by an accident? For example, you might rear-end somebody and damage your transmission. When this happens, the damage to your vehicle is covered because it was triggered by something that was outside of general wear and tear.

Note that a manufacturer’s defect may also be covered, depending on a few things. Was your transmission part of a recall that you did nothing to manage? If that recall issue triggered your damage, you might still not get the coverage, even if the manufacturer’s defects caused it.

Get Help Today

With the help of our team at Peter Laczko Insurance Inc., you can protect your Woodstock, GA, vehicle and ensure your policy pays out for covered claims. So, if your transmission goes out due to issues from a crash, make sure that you contact us today to learn more about how our policy can help you.

Peace of Mind in the Peach State, Why Woodstock Homeowners Need Home Insurance

Posted on by AgentInsure

Homeownership in Woodstock, GA offers Peach State residents a sense of pride and belonging. Protecting your most prized possession from perils like damage, vandalism, or theft is highly recommended for local area homeowners. 

The insurance professionals at Peter Laczko Insurance Inc. in Woodstock, GA, can discuss your available coverage options and offer you a free quote to start your homeowner’s policy. 

Get Peace of Mind in the Peach State with Georgia Homeowners Insurance

Having home insurance can protect Woodstock area residents from unexpected financial losses caused by various perils. Homeowner’s policies offer liability coverage options that financially protect homeowners when someone gets injured on their property. 

Additional coverages for damages caused by extreme weather conditions like tornados and severe thunderstorms can save affected homeowners thousands of dollars in out-of-pocket expenses. 

Knowledgeable insurance agents can offer you the best options for getting coverage for the outside of your home, the inside of your home, and your favorite personal belongings. 

Benefits of Homeowners Insurance for Woodstock Residents

Whether you’re a newcomer to the city or a lifelong resident, it is important to have adequate insurance coverage in place to ensure your home is well-protected against the unexpected. 

Homeowners insurance can help relieve some of the financial burdens associated with loss, theft, and vandalism of precious heirlooms that would typically be considered a total loss without insurance. It can also shield your finances from deep losses in the event of extreme weather or natural disasters that can cause extensive damage. 

Contact a licensed insurance agent at Peter Laczko Insurance Inc. in Woodstock, GA, to learn more about your options for coverage and get peace of mind in knowing that your home is protected inside and out. 

Do I Need Golf Cart Insurance?

Posted on by AgentInsure

You know it’s important to insure your home and car, but you may have overlooked your golf cart. We offer golf cart insurance at Peter Laczko Insurance Inc. in Woodstock, GA.

Hitting the Road

In Georgia, driving your golf cart on some public roads is legal. If the road has a speed limit of 35 mph or less, you can travel it in your golf cart. However, you must have liability insurance on your golf cart, just as you would your car, to drive it on the road. 

If your golf cart causes any damage to someone else’s vehicle or property in an accident, liability coverage will cover these costs up to the coverage limit. 

Protecting Your Investment 

Golf carts are typically less expensive than cars, but protecting the money you’ve spent on your cart is still a good idea. This is particularly important if you have a lien on your golf cart.  

Essentially, if it would be a financial strain or burden for you to replace your golf cart, full coverage insurance gives you the protection you need. This includes collision coverage, which will repair or replace your golf cart if an accident is your fault. It also includes comprehensive coverage, which covers damage due to other things like vandalism and theft. 

Passenger Protection

Each year, there are many golf cart injuries. If a passenger is injured in your golf cart, you may be responsible for their medical bills. Golf cart policies offer medical coverage for passengers for this reason. 

Golf Cart Insurance at Peter Laczko Insurance Inc.

If you need golf cart insurance in Woodstock, GA, contact us at Peter Laczko Insurance Inc. We have policies to meet all your insurance needs, from homeowners’ policies to golf cart coverage. 

Classic Car Insurance FAQs

Posted on by AgentInsure

If you have a classic car, you need insurance designed to protect your treasure. At Peter Laczko Insurance Inc., we offer insurance for your favorite toys, which includes classic car insurance in Woodstock, GA. 

What is Classic Car Insurance?

Classic car insurance is a policy designed especially for classic cars. These policies have several differences when compared to standard policies. 

One difference is that the vehicle’s value is usually agreed upon before the policy begins. These aren’t expected to depreciate or decrease in value over time. In fact, you may need to increase the coverage as time goes by because they can increase in value.

What Cars Are Considered Classic Cars?

Each insurance company creates its specific definition for a classic car. However, there are some standards you can expect.

Generally, vehicles that are ten years or older can be considered classic cars. Cars that are twenty-five years or older are usually referred to as antique cars. This also applies to trucks and even military vehicles and farm equipment. 

Newer vehicles can also be considered classics in some cases. This applies to exotic or limited edition vehicles. For example, a Lamborghini can be classified as a classic car because of its rarity and value. 

Are There Restrictions or Requirements for a Classic Car Policy?

Yes. Generally, you’ll need to keep your vehicle in a garage or secured and covered area to qualify. Most insurers also have restrictions on how often you can drive the vehicle. They may limit the number of miles you can travel in your vehicle.

Classic Car Insurance at Peter Laczko Insurance Inc.

If you have a classic car in Woodstock, GA, contact us at Peter Laczko Insurance Inc. Our knowledgeable agents are here to answer any questions and help you select the best policy for your unique needs. 

Types of RV Insurance Policies: Which One is Right for You?

Posted on by AgentInsure

If you are planning to leave Woodstock, GA in your RV, it is essential to have insurance coverage. RV insurance from Peter Laczko Insurance Inc. can protect you from the risks of traveling and provide financial assistance if you have an accident.

1. Liability Insurance

Liability insurance is the most basic type of insurance policy and is legally required. This policy covers the costs of damages you cause to someone else’s property or person while driving your RV. It doesn’t cover damages to your vehicle or personal injuries incurred by you or your passengers.

2. Collision Insurance

Collision insurance covers damages to your RV when you collide or overturn it. This policy is essential if you have a new or expensive RV. Collision coverage also helps cover accidents involving other drivers who cause damage to your vehicle and have no liability insurance.

3. Comprehensive Insurance

A comprehensive insurance policy typically covers non-collision damages such as theft, vandalism, fire, or damage caused by natural disasters. It ensures you are protected from harm and damage to your RV in almost every situation.

4. Full-Time RV Insurance

A full-time RV insurance policy is customized for those living full-time in their RVs. It provides cover for both your RV and personal property inside it. Besides, it offers liability coverage for people who get hurt in your RV or parking spot.

5. Bundled and Add-On Insurance

Many insurance companies offer add-ons to their policies, giving you more coverage options. These can include roadside assistance coverage, emergency expense coverage, or personal effects coverage.

RV insurance ensures an excellent RV experience beyond Woodstock, GA. You can also consult with Peter Laczko Insurance Inc. to understand better the different policies and the coverage they offer.

Safe riding tips for new motorcycle riders

Posted on by AgentInsure

Safe riding is essential for all motorcycle riders here in the Woodstock, GA area, especially new riders. Here are some tips from us at Peter Laczko Insurance Inc. to help ensure a safe and enjoyable ride. 

  1. Wear the Right Gear: Wearing the proper safety gear when riding is essential for protecting yourself from injury in the case of an accident. Wear a helmet, protective eyewear, gloves, boots, and other appropriate protective clothing. 
  2. Take a Motorcycle Safety Course: Taking a motorcycle safety course can increase your confidence and help you learn more about operating your bike safely and correctly. It’s also important to brush up on state laws pertaining to riding motorcycles in case any changes could affect you or your journey. 
  3. Practice Safe Riding Habits: Being aware of road conditions and obeying all traffic laws is essential for keeping yourself safe while riding. Always stay focused on the road and be alert for other vehicles or obstacles that may be in your way. Use turn signals before changing lanes or making turns, always check blind spots before switching lanes, and give yourself enough time to slow down or stop if needed. 
  4. Be Prepared: Before taking off on a ride, ensure all necessary maintenance has been done on your bike so it’s running correctly and safely. You should also carry a few essentials such as water, snacks, a first aid kit, and tools for basic repairs or adjustments. 

By following these tips, motorcycle riders can have an enjoyable experience while staying safe on the roads! For more tips, call us at Peter Laczko Insurance Inc. today. We serve the Woodstock, GA area.

Should You Let Others Drive Your Boat?

Posted on by AgentInsure

Owning a boat can be great fun but also a great responsibility. Here at Peter Laczko Insurance Inc, serving Woodstock, GA, we want to help boat owners understand more about liability risks. Keep reading to learn about the risks when letting others drive your boat.

Is It Legal For Other People To Drive My Boat?

Yes, it is usually legal for others to drive your boat as long as they are of age. However, whether or not you should let others drive your boat is a different question. 

Should I Let Others Drive My Boat?

Whether or not you allow others to drive your boat is similar to allowing others to drive your car. There are probably a few people you have in mind that you wouldn’t mind allowing to drive your car, but then again, you probably know plenty of other people you would never allow to drive your vehicle. This is where you will need to use common sense and personal knowledge of the individual. 

People Who Should Never Drive Your Boat?

There are a few individuals that you should never allow to drive your boat for any reason. Let’s look at those. 

Intoxicated individuals– You are responsible for ensuring an intoxicated individual never takes control of your boat. If this person wrecks the boat, injures someone, or causes damage to someone else’s property, you will be held responsible, not them. 

Underaged individuals– You should never allow an underaged individual to drive your boat. You should follow state and local laws concerning a safe age to drive a boat. 

If you would like to learn about boat insurance, don’t hesitate to contact us at Peter Laczko Insurance Inc., serving Woodstock, GA, and the surrounding areas. 

How Does Commercial Auto Insurance Work?

Posted on by AgentInsure

Owning a business comes with many extra responsibilities and costs that most people don’t think about when they think of owning a business. Some additional responsibilities include having the required licenses and insurance coverage for the state. Below, we will discuss what the state of Georgia requires for commercial auto insurance and how commercial auto insurance works.

Commercial auto insurance limits

Georgia has a financial responsibility law that requires businesses to have certain types of insurance, including commercial auto insurance. The financial responsibility law requires the following types of commercial auto insurance coverage:

  • Bodily injury liability coverage – $25,000 for the death or injury of one person and $50,000 for the death or injury of two people.
  • Property damage liability coverage – $25,000 limit for property damage to others in one incident.
  • Uninsured motorist coverage – The insurer must offer uninsured motorists coverage as an option.

How commercial auto insurance works

When you get a commercial auto insurance policy, it covers you and anyone driving the vehicle or vehicles for business-related things. If the person driving a commercial car causes an accident, they can use your commercial insurance policy to file the claim. You or the business are responsible for the monthly premium, the deductible, and any cost after the policy’s limit runs out.

On top of the required limits for commercial auto insurance, getting additional coverage, such as collision and comprehensive coverage, is a wise idea. If the vehicle is damaged or the driver is injured in an accident that they caused, you will not have to pay for the costs out of your pocket.

Contact Peter Laczko Insurance Inc.

If you need auto insurance for your business, give us a call or stop by Peter Laczko Insurance Inc. in Woodstock, GA.

Four Things You Need To Know About Home Insurance In Georgia

Posted on by AgentInsure

Just like other states, Georgia homeowners are faced with several perils. Ranging from fire, vandalism, theft, and lightning to storms, Georgia homeowners cannot rest easy without home insurance from Peter Laczko Insurance Inc. But before purchasing home insurance for your Woodstock, GA home, here are four things you should keep your eyes peeled for.

Remember to update your home insurance.

If you renovate your home, like adding bedrooms, a garage, and other amenities, you need to update your home insurance policy. If you fail to update your home insurance, additions to your beautiful home won’t be covered in case of damage.

Home insurance isn’t mandatory.

Unlike popular misconception, home insurance isn’t mandatory in Georgia. However, if your home is mortgage-financed, your lender may require you to carry home insurance as long as the loan facility is outstanding. 

Home insurance doesn’t protect you against all perils

Home insurance provides the following protection:

  • Liability coverage
  • Dwelling coverage
  • Personal belongings coverage
  • Additional living expenses coverage

While home insurance protects you against various perils, it won’t protect against the following:

  • Flood and earthquake damage
  • Damage from pests and molds
  • Regular wear and tear

Your home insurance also gives you limited protection for high-value items like jewelry and cash. As such, talk to your agent for separate insurance covers. You can also consider umbrella insurance to come to your rescue when the liability coverage of your home insurance runs out.

Insure your home against the cost of rebuilding.

Many homeowners make the mistake of using the market value to insure their homes instead of the cost of rebuilding. The rebuilding cost is more accurate since the market value can significantly dip in value due to market forces. In such cases, when damage occurs, the amount compensated won’t be enough to cover the cost of rebuilding.

Do you need home insurance for your Woodstock, GA home? If yes, you can’t go wrong with Peter Laczko Insurance Inc. Call us today for an affordable quote.

Factors to Consider When Getting Auto Insurance

Posted on by AgentInsure

Auto insurance comes with different coverage options, a factor that may prove a hindrance for first-time policy buyers. Fortunately, most options rely on the same factors when determining whether they are a fit or not, offering policy seekers in Woodstock, GA needed relief during their auto insurance journey. Below, Peter Laczko Insurance Inc. takes you through three crucial factors to consider when getting auto insurance.

Your Current Budget

Your budget will be a crucial part of your auto coverage, as it will determine which insurance option to get and which to let go of. To get the proper estimate for your auto coverage, consider your everyday expenses, such as tuition, mortgage loans, and other daily needs. Based on these, find out how much to spend on your auto coverage to avoid running into any financial distress. This will also help you avoid default payments arising from expensive coverage beyond your budget.

Your Coverage Needs

Auto coverage needs often depend on vehicle usage, with some drivers prone to more risk than others. If, for instance, you regularly use your vehicle in areas with extreme weather conditions, getting coverage for various weather hazards will be a suitable option. In addition to this, consider getting extra coverage if you have teenage drivers who often use your car due to their increased risk of getting into accidents.

State Requirements

Numerous states will require a minimum level of liability insurance for their drivers, which often forms the canvas on which policy seekers can build other policies around. Living in Woodstock, GA, for instance, means having liability insurance for bodily injury liability and property damage liability, after which you can get additional coverage. Before getting extra auto insurance, make it a point to consider if your state requirements offer sufficient coverage.

Whether you need auto insurance that caters to your medical costs or considers your teenager’s driving needs, Peter Laczko Insurance Inc. has you covered. Contact us today to help you create auto coverage with your priorities in mind.