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ATV Insurance in Chesterland, OH and serving Northeast Ohio

EXPLORE THE TRAILS WITH CONFIDENCE

As you are riding your ATV, the last thing you want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Luczkowski Agency Insurance and Financial Services, you can ride with confidence knowing you are covered.

Whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can find the ATV Insurance you want and the protection you deserve with specialized coverage options, including:

  • Collision Coverage –  for damage to your ATV from an accident with another vehicle
  • Comprehensive Coverage – as security for loss or damage from theft, fire, or vandalism
  • Property Damage – to cover expenses to another person’s property for which you are liable
  • Bodily Injury- to pay medical expenses to others if you are held liable in an accident
  • Uninsured Motorist – to protect you from loss or damage caused by an uninsured rider

Luczkowski Agency Insurance and Financial Services is dedicated to offering you the best possible coverage at a price you can afford. You may also be eligible for discounts when you insure multiple vehicles or if you have successfully completed a rider safety course.

Discounts and coverage options can vary according to your location and specifications. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a plan that best fits your needs.

Vanishing Deductible

Good Drivers Deserve Great Rewards.

As a driver, safety should be one of your top concerns — safety for your passengers and for other drivers on the road. When you find the right coverage with Luczkowski Agency Insurance and Financial Services, you’ll learn that being a responsible driver has its benefits. With Vanishing Deductible*, you can actually get rewarded for being an accident and violation-free driver.

When you sign up for Vanishing Deductible, you’ll receive $100 credit on your deductible starting 31 days after the effective date of the policy. From there, you can add $100 of more credit for every year, simply by being a safe driver. Drivers under Vanishing Deductible can receive up to a maximum of $500 credit.

For even more options, talk to a representative with Luczkowski Agency Insurance and Financial Services about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you’ll receive your full benefit from Nationwide on your deductible.

It’s just one more way that Luczkowski Agency Insurance and Financial Services can provide quality coverage options for safe drivers.

*Vanishing Deductible is an optional feature. Annual credits subject to eligibility requirements. Details and availability vary by state. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and other marks displayed in this message are service marks of Nationwide Mutual Insurance Company or its affiliates unless otherwise disclosed. © 2017 Nationwide.

Ensure that You’re Insured, with Liability Coverage

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can rest assured that medical expenses for injuries to drivers, passengers, and pedestrians, as well as bills for property damage, will be covered if you’re held responsible for a car accident.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to auto liability: Bodily Injury and Property Damage Liability.

Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.

Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but all states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with Luczkowski Agency Insurance and Financial Services today for more information about what Liability Coverage can do for you.

Bumper-to-Bumper Protection for Your Auto – Collision Coverage

For most drivers, a car is more than just a means of transportation – it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Luczkowski Agency Insurance and Financial Services, you can have damage to your car insured under your policy whether the damage is a result of an accident with another vehicle or object.

How Much Collision Coverage is Needed?
Different drivers require different coverage options for their auto insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Luczkowski Agency Insurance and Financial Services can help you find an insurance option that best fits your budget.

Medical Payments Coverage…
YOU CAN’T PUT A PRICE ON SAFETY.

When it comes to the security of you and your family, nothing should be left to chance. If you or your loved ones are involved in a car accident, Medical Payments Coverage can supplement your primary health coverage, allowing you and your loved ones to receive the care and treatment they need while keeping your finances and savings intact.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, the right auto insurance policy can help remove those worries.

Contact Luczkowski Agency Insurance and Financial Services today to learn about how the right coverage can keep those you care about most protected.

Several listed features are optional and carry additional costs and terms. Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages. Subject to underwriting guidelines, review, and approval. Products and discounts are not available to all persons in all states.

Uninsured and Underinsured Motorist Coverage in Chesterland, OH and Northeast Ohio

NOT EVERY DRIVER IS A RESPONSIBLE DRIVER.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, some drivers on the road don’t share the same safety precautions as you. And if you’re involved in an accident with a motorist who doesn’t have the right coverage, you may have to take care of any medical payments, damages, or other expenses with money from your own pocket.

IT’S IMPORTANT TO BE PREPARED FOR EVERYTHING

Uninsured/Underinsured Motorist Coverage can give you the assurance that your medical expenses will be covered. In cases where the at-fault driver does not have liability insurance, Uninsured Motorist Coverage may cover expenses caused by a covered accident.

There are two distinct kinds of coverage included in an Uninsured Motorist Coverage Policy:

Uninsured Motorist Bodily Injury (UMBI) can cover income losses, medical bills, or other expenses for you and your passengers.
Uninsured Motorist Property Damage (UMPD) can cover damage to property, including your car.
Underinsured Motorist Coverage may cover damage related to an accident where the other driver’s insurance policy limits were not enough to cover the full cost of damages. Like Uninsured Motorist Coverage, this coverage includes both bodily injury and property damage.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Luczkowski Agency Insurance and Financial Services to find out how you can be prepared for any situation on the road.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Rental Reimbursement in Chesterland, OH and Northeast Ohio

GET BACK ON THE ROAD FASTER.

We understand that your days are busy, and between work and your family, not having a car can be an inconvenience.

If your vehicle is out of commission after a covered accident or theft, Luczkowski Agency Insurance and Financial Services offers optional Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is a coverage option that pays the expense of renting a substitute vehicle, while yours is being repaired or replaced.

Since benefits and details vary by insurance policy, it’s important to speak with one of our an insurance specialists to understand what’s covered, and see if you qualify for this additional service.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Personal Injury Protection (PIP) in Chesterland, OH and Northeast OH

COVERAGE THAT HELPS YOU GET WELL.

At Luczkowski Agency Insurance and Financial Services, we know that the safety and well-being of you and your family is important, both on and off the road.

Since auto accidents can involve more than just damage to your car, they can involve injuries to you and your loved ones as well, and we are here to help you be prepared.

Personal injury protection may pay for as much as 80% of medical and other expenses, that result from a covered accident, depending on the limits of the policy.

With Personal Injury Coverage from Luczkowski Agency Insurance and Financial Services, you’ll have a policy that may help pay for the treatment of you and your family members; should someone get injured as a passenger or pedestrian.

PIP extends to help cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. PIP can also extend to help with passenger’s bills.

Don’t let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Injury Coverage from Luczkowski Agency Insurance and Financial Services.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Minor Violation Forgiveness in Chesterland, OH and Northeast Ohio

EVERYONE DESERVES ANOTHER CHANCE.

We know that if you’re a safe driver, you probably take every precaution possible when behind the wheel. But if you receive a citation, your driving record will likely be affected, but your insurance premium doesn’t have to be.

At Luczkowski Agency Insurance and Financial Services, we can add the Minor Violation Forgiveness coverage option to your policy, and help you avoid a premium surcharge after you receive a citation.

With Minor Violation Forgiveness, if you receive a minor traffic citation, you’ll have the assurance that your rates won’t increase, just because of that violation. Like Accident Forgiveness, the coverage renews after three years of the most recent minor violation. (Minor Violation Forgiveness applies to only one minor violation at a time, per driver not per policy.)

To find out more, contact Luczkowski Agency Insurance and Financial Services today.

Insurance terms, definitions and explanations are intended for informational purposes only and do not replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

 

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What our clients say about us.

I started with Barb because I had been fussing with my old personal lines carrier about their billing cycle.  I sure wasn’t expecting the thoroughness of her presentation, and her genuine concern that we had adequate coverage for our situation.  The cost was about the same, but the care so much better that we switched.  With no pressure from the agency, we submitted our business insurance for review and they recommended some things that made very good sense, again at a reasonable price, so we switched that over.  The office responds to our customer’s request to provide COI’s immediately and accurately.  So, having done so well with all things insurance, when I lost my private health coverage, among many options, I checked with the agency about putting together a company plan, which we now offer to our employees.  I can’t say enough about the genuine interest that this agency has in making sure we are balancing the cost of insurance vs our genuine need for protection.  They’re pleasant, easy to work with, personable, and have our best interest at heart.

Dave Strahl

I’ve been working with Barb and her team for the past several months.  I’ve been truly impressed with their level of service and professional expertise.  They absolutely know this industry and how to help families and businesses in the community.

Randy Rohde

Barb and her staff are professional and help their clients find the best rates available. They are the best agency I have ever been with and offer a wide variety of services to help all their clients!

Michelle Serfozo

Very Professional and Dedicated Staff. Absolutely Courteous, Dedicated,  Prompt and we always felt at home while dealing with them for almost over a decade and never thought of switching in spite of several price down offers. Good Luck, Keep up the good work.

Ramesh Vaid

A great place to handle your insurance needs!  They have consistently been helpful when I call them and quick to answer questions or concerns.  Very nice people to deal with in the over 10 years that they have been my primary insurance agency!

Roger Loveland

I have been with the Luczkowski agency for many years and will continue to do so for many more years to come. They strive to provide excellent customer service. I feel like a valued customer and   I appreciate knowing if I ever need help my agent will be there for me.

Louise F.

EXCELLENT CUSTOMER SERVICE! You are treated like family! Barb and her staff go above and beyond for their customers! They are active with not only with their customers but also with the community ( an A++ in my book!) They are knowledgeable, kind and very prompt getting you information, getting you the best rates on any coverage or answering questions. I HIGHLY RECOMMEND this office and Nationwide!!

Kristine Shreves

Barb and the agents at the Luczkowski Agency are GREAT!!  Whenever I have a question, I do not hesitate to call or send an email because I know they will get back to me with an answer.  They are kind, efficient, and extremely helpful.  Recently, I switched with another carrier associated with the Luczkowski Agency because Barb wanted to help bring my high insurance rates down. She knew that being a single parent with a college student was costly for me.  I cannot say enough good things about this agency.

Melissa Eisel

We have been with Nationwide for almost 20 years now and wouldn’t think of switching to anyone else. We have been with Luczkowski Agency for a lot of that time and they take excellent care of us. We get great rates and they update them twice a year and give us savings anytime they are available. When other homes on our street got flooded, we were the only ones who actually got help from our Insurance Company! The only ones. I couldn’t believe the other companies didn’t do anything for their clients. They have gone out of their way to make life bearable when it has been hard and trials have come. We have used the car towing service repeatedly and they have always been there. We love Nationwide and think they are exceptional.

David Marks

Great agency! Always very helpful finding the coverage I needed. Was very quick to respond to any questions or concerns I had.

Louise Reames

They shop around and always get you the coverage you need at an affordable price. Staff is friendly and very knowledgeable.

Dale D,

The Luczkowski Agency always exceeds my expectations and the team provides outstanding customer service! I can call them with any questions and get an immediate answer from someone I know at the agency. I love the service and I highly recommend the Luczkowski Agency for all of your insurance needs.

Frank S.

I’ve had an excellent experience working with the Luczkowski Agency. Their communication is fantastic, they are pleasant to speak to, and are extremely helpful. I have multiple insurance policies with them and will be continuing to work with them. I highly recommend it.

Daniel C.

Barb and her team are the best. Service and attention to detail assure me that  I have the right coverage, no more or less than I need, and at the right price. I have homeowners, auto, and even my motorcycle insurance with the Luczkowski Agency.

I had an auto claim, repairs done at the shop I chose, and no hassles at all getting the work paid. The follow up was great,  Barb called to be sure the work was done and I was happy.

I give Luczkowski Agency my highest rating!

Norm I.

Insurance is a vital need in this busy and changing world, and you need care and support from knowledgeable and caring professionals…, and that would be The Luczkowski Agency Insurance & Financial Services.

For years this team has helped me find exceptional and affordable care for the entire family.

When we needed the Luczkowski team most, they were there for us.

I’m so grateful for the peace of mind and kind, caring support.

The Luczkowski Agency is the best insurance and financial service company in the business.

Elaine S.

Barb and her team are knowledgeable, professional, and dedicated to helping their clients–even if they may not be the best price. I would definitely recommend them!

 

Julia B.

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