Car Insurance Claims Gadsden, Alabama AL
Reader’s Question:
My car was hit in the parking area where I work and no one confessed to the accident the police officers were notified and a damage report was filed. Will I be penalized even when it’s not my fault?
Mike
Gadsden, AL
This is a case where your car insurance policy should protect you when you are not at fault.
When you buy insurance or renew your insurance policy, your insurance provider will evaluate your claims history and based upon their rates and guidelines they will apply any surcharges to your insurance policy.
I do not think that it would be a penalty, but more of an evaluation of your claims record to know your insurability and the likelihood of future claims. The future claim potential may cause your insurance rates to rise.
Tags: auto insurance claims
New Driver Insurance Tanner-Williams Alabama AL
Filed under: SR22 Alabama Insurance, Teen Alabama insurance
Reader’s Question:
How long is a new driver covered under their parents auto insurance policy after they get their drivers license? They have insurance in Tanner-Williams, Alabama.
Dan
Tanner-Williams, AL
A new driver may not be automatically covered under their parent’s policy after they obtain their license.
In order to be covered, you have to be listed on the insurance policy declaration page. That means the insurance policy holder contacted the insurance provider and had the motorist endorsed onto the insurance policy. Some auto insurance policies do cover a motorist on a restricted license, but once an operator’s license is acquired they should be added to the insurance policy.
If you are listed on your parent’s policy, you should be covered on that insurance policy until you are endorsed or removed from the policy. I suggest that you contact your parent’s insurance company to know if you are included on the insurance policy and if anything needs to be done to remove you from the policy. If you reside in the household in ,Tanner-Williams, AL it is likely that you should remain listed or excluded from the policy.
Tags: auto insurance, car, New Driver Insurance
SR22 Birmingham Alabama AL
Reader’s Question:
I currently have restricted driver’s license in Alabama due to a prior DUI but at one point in Birmingham. I was driving outside my restrictions. I crashed my car due to a road hazard and given that my insurance policy is current, I am still anxious that my insurance will not pay for damages even though I was not driving to or from work which is what’s mandated by my restricted license provisions.
Michael
Birmingham, AL
The insurance company’s provisions and/or exclusions will determine if this is covered under your policy. Exclusions on a Personal Auto Policy can be different for every carries and state, so you better review your policy:
Some typical exclusion follows:
-committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
-acting with specific intent to cause injury or damage to himself or others;
-operating or “occupying” an “auto” without the permission of the owner of the “auto” or name insured under the policy insuring that “auto”.
-War (declared or undeclared);
-Civil war;
-Insurrection;
-Rebellion or revolution;
-Any act or condition incident to any of the above resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.
-and other specified on each policy…
Based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.
Tags: sr22, SR22 filing
Car Upgrade Auto Insurance Alabama AL
Reader’s Question:
I’m planning of upgrading my cars engine system. Is it necessary to inform the change to my insurance carrier? I live in Alabama.
Jim
Tuscaloosa, AL
It is always best to let your insurance carrier in Alabama know of any upgrades or customizing you do to your motor vehicle. This way the auto insurance agent will be able to make sure your current auto insurance policy will cover these new items. If not then generally they should be able to assist you obtain different coverage that will cover the upgrades to the car.
I would also recommend checking with your automobile manufacturer as well to make sure you are not voiding any warranties with your upgrades.
Tags: auto insurance, autos, car insurance agent
SR22 Insurance Huntsville Alabama AL
Reader’s Question:
I need to know the minimum mandatory insurance coverage for the State of Alabama. I was charged with DUI around Huntsville, Alabama and I need someone’s tips for my SR22 filing here.
Dexter
Huntsville, AL
Ok…so that’s not the end of the world yet. You can still relax since you never really run out of options in Huntsville, Alabama.
First of all, let me explain to you the minimum mandatory insurance coverage in Alabama AL. Remember the figures 20/40/10: $20,000 bodily injury for one person in one accident, $40,000 for two or more persons in one accident and $10,000 property damage incurred in one accident.
Law enforcement officials in Huntsville, Alabama will ask for proof of insurance at the time of a traffic stop or at the time of an accident in which damage or injury occurs.
A valid insurance card must be presented to provide proof of insurance coverage in AL. Be careful with your auto insurance renewals because if your policy has lapsed or has not been renewed, the Alabama Department of Motor Vehicles (DMV) will suspend operator’s privileges until proof of insurance is provided.
Since you committed DUI, it is highly probable that Alabama DMV will mandate proof of financial responsibility in the form of SR-22 insurance. This insurance is also known as high risk auto insurance in some auto insurance companies and SR22 filing companies in Huntsville.
State motor vehicle departments, as a rule, do not maintain databases of individual insurance policies like what’s in Huntsville, Alabama. Insurance companies do have the obligation to maintain a database and to issue any form notifying the Alabama DMV when an individual’s insurance policy has been cancelled, lapsed or has not been renewed. As the owner, you also get a copy and must then show Alabama proof of insurance. Failure to do so will result in suspension of your driver’s license. This is the time when the DMV will require an SR-22 high risk auto insurance policy in order for the license to be reinstated.
Tags: DUI auto insurance, non-owner auto insurance, non-owner policy, sr22, SR22 filing
Car Insurance Birmingham Alabama AL
Reader’s Question:
My car insurance premium was raised once by an auto car insurer in Birmingham, Alabama because of a bad credit. In my opinion though, I do not think it is relevant to do that. I do not even think that can be lawful in Birmingham, AL.
Gary
Birmingham AL
Different people will have different views on this debate on car insurance premium with relevance to credit standing.
The pro people say that basing car insurance rates on credit allows car insurance companies in Birmingham, Alabama AL to more accurately predict risk, making rates lower for everyone. The anti people say that bad credit does not make someone a bad driver in Alabama. Even if many people with bad credit are bad drivers, it doesn’t mean that good drivers with credit problems should be punished as well.
However, what’s interesting to know is that most people agree that car insurers should notify car insurance policyholders should car insurance rates increase due to a bad credit. After all, the Fair Credit Reporting Act (FCRA) clearly stipulates that that people have the legal right to be notified when they are declined for credit, employment, or insurance, on the basis of their credit history. However, the same Act is unclear on whether or not car insurance companies have to notify you if your bad credit results in higher rates. This now leaves legislature issues which we need to watch out for.
Since laws always come a long way to get perfect for everyone, the least you can do is to watch your credit so that you will keep your car insurance rates at level for now.
Tags: auto insurance, car insurance
Car Insurance Tuscaloosa Alabama AL
Reader’s Question:
How much the ticket will be if you get caught driving without a license in Tuscaloosa Alabama?
Ben
Tuscaloosa, AL
According to the Alabama Code 32-6-1 drivers are required to be licensed in Alabama. Subsection (a) states that every individual, except those specifically exempted by statutory enactment, shall procure a driver’s license before operating a motor vehicle upon the highways of the Alabama state.
It would appear that a ticket for driving without a license in Tuscaloosa Alabama will come with a fine of around $100 in addition to the extra $50 fee. The amount for this violation should be within the parameters set by of the Alabama state but the exact cost of a ticket will differ from one jurisdiction to the next. If you have received a violation for being an unlicensed motorist then the court listed on the violation should be contacted for specific information on the penalties you are facing.
Tags: car, car insurance
Cheap Auto Insurance Alabama AL
Reader’s Question:
I’ve been looking around to get an cheap high risk car insurance. What are the minimum requirements for liability car insurance in Alabama?
Aaron
Birmingham, AL
In Alabama, car insurance represents a significant drain on many drivers’ monthly resources and almost all drivers would like to find a cheap high risk car insurance.
A basic liability policy is the smallest and cheapest insurance policy that an Alabama driver can purchase and still drive 100% legally. A basic liability policy may be what you are looking for if cost is your only concern.
In Alabama, the legal minimum amount of liability insurance you must purchase is called a 20/40/10 liability policy. This means that your insurance would pay out a maximum of $20,000 to any one individual for medical expenses which result from an accident with your vehicle. It would pay a maximum of $40,000 in medical expenses for everyone involved in an accident with your vehicle regardless of how many people are hurt or what the extent of their injuries are. Finally, the insurance would pay a maximum of $10,000 in property damage for any accident. Generally, property damage means repairing the other person’s vehicle, but property damage can include other property as well.
There are two things that can make this insurance risky. First is that this insurance pays nothing for your medical bills and nothing on the medical bills of anyone in your vehicle at the time of an accident. This insurance also pays nothing toward the repair of your vehicle.
Second, and more importantly, the maximum payout of a basic liability policy isn’t necessarily enough to cover the actual medical expenses or property damage which could easily result from an accident. You could be held personally responsible for paying the remainder out of your own purse or pocket if the insurance fails to pay all of the medical or property damage expenses of the other party. Conceivably, this could result in you losing your life savings or even being forced to sell your home in order to make payments.
It is possible to purchase liability insurance with higher payouts, and of course, at a higher monthly premium. Regardless of whether you choose to purchase a full coverage policy or a basic liability policy or something in between, your best option for finding the cheapest high risk car insurance is to buy your policy online. Online insurance companies have a very little overhead and they would pass that savings on to you. You have to compare prices at the largest number of insurance companies possible if you want to find the rock-bottom price for your car insurance. Make sure that you make your price comparisons on more than one website, rather than relying on just a single site.
Buy Cheap Alabama Car Insurance
Reader’s Question:
I am planning to buy a brand new car and its insurance, how can I get cheap auto insurance rates?
Lidany
Decatur, Alabama
Lidany you’ve come to right place.
Sometimes it’s hard to find an affordable rate for auto insurance, technology takes place, and for a click of a mouse you can see what you find. Finding auto insurance quotes online is easy, but finding the affordable auto insurance rates can be more of a challenge. To get the lowest rates for auto insurance policy follow these tips:
1. Give them details – If you do not provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default auto insurance companies will rate you a higher auto insurance rate. Provide every detail as possible to make sure you get each discount that you qualify.
2. Shop around – Auto insurance rates can vary as much as 300% among companies for the same coverage. You can save every year by comparing prices among companies.
3. Increase your deductible – Higher deductibles equal lower auto insurance amount.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most auto insurance companies.
5. Switch drivers – For married couples, compare auto insurance quotes among the male as the main driver and the female as the second driver. You may get a lower rate if the female is insured on a truck and the male are insured on the minivan.
6. Put in an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being robbed, auto insurance companies pass on the savings to you.
Car Insurance Protection Birmingham AL
Reader’s Question:
My father bought me a refurbished car. How do auto insurance policies protect me?
John
Birmingham, AL
Hi, John.
It’s always for the safety of your self and your car. Refurbished car is great for those who are on a skimpy budget and looking for ways to save money. However, the older you vehicle gets, the more expensive it will be to insure the vehicle with most auto insurance companies. I know of some people who drive cars without insurance. That is also against most state laws and they can be subject to heavy fines and penalties for driving their cars without auto insurance coverage if they are caught.
Just to remind you John, there are reasons why a vehicle needs to have the auto insurance. It is not just a way of protecting you and the vehicle for an accident.
There are also many ways by which your auto insurance can protect you. Your car can also be insured against theft, fire, accident damage and third party use.
As my best advice, I suggest you purchase an auto insurance policy for adequate protection in Birmingham AL. You can shop around anytime for free auto insurance quotes online! You may start by typing in your zip code on the space provided for in this page.