How Car Accidents Impact Alabama Car Insurance

When you have been involved in a car accident in Alabama, a key concern will be how this will impact your Alabama car insurance. There is a chance that your premiums will go up. However, there are ways your insurance company can help.

At Insurance Solutions Inc. we want Cullman, AL to feel safe in their vehicles, and with their premiums, no matter what their driving record shows. 

Alabama is an At-Fault State With Contributory Negligence

Alabama is an at-fault state for car accidents. That means that if you are involved in an Alabama car accident and are found to be liable or partially liable, you will be responsible for your share of the damages. Under Alabama’s contributory negligence laws, even if you are a little responsible, you won’t be able to recover damages from the other driver.

That means that your car insurance will go up if you don’t have additional protections on your Alabama car insurance.

Alabama Accident Forgiveness 

Accident forgiveness is an add-on to your auto insurance policy that will help you to keep your rates the same when you have an accident. This is the case regardless of who is at fault in an Alabama car accident.

When you apply for Alabama car insurance, you may be eligible for accident forgiveness if you do not have a history of car accidents on your record, and do not have a claims history. Accident forgiveness from your insurance company means that for your first car accident for which you make a claim, your insurance company will forgive you by not increasing your premiums.

Without Alabama Accident Forgiveness

Not everyone is going to be eligible for accident forgiveness or will have used it when they are in a car accident in Alabama. Without it, an at-fault accident can impact your car insurance for up to ten years.

How it impacts your car insurance now will depend on your insurance company, and what percentage of an accident you will be at fault for. Your premiums will go up, but a good insurance company will help you to keep them as low as possible.

Get an Alabama Car Insurance Quote

If you are worried about your insurance premiums after an accident, or what could happen if you had one, Insurance Solutions Inc. serving Cullman, AL can help. Call us for a quote today.

Who Needs Boat Insurance?

If you own a boat in Alabama, it’s wise to take out boat insurance. While Alabama does not require such insurance, if you don’t have it, you could expose yourself to many risks. Make sure you contact Insurance Solutions Inc., which serves Cullman, AL and other areas too, to learn about boat insurance.

Ultimately, anyone who owns a boat should take out boat insurance to protect their property and to cover any medical bills that may arise after a boating accident or another incident.

Why Boat Insurance is a Wise Idea For Every Boater

When it comes to boating, safety comes first. The same is true regarding boating insurance. It’s better to be safe than sorry. Alabama does not require boaters to take out insurance on their boats, but if you skip insurance, you’re exposing yourself to some serious risks.

Alabama is home to a lot of amazing waterways, and you have access to the ocean as well. Yet many dangers are also present in the so-called “Heart of Dixie.” Alabamian boaters and their boats could be exposed to tornadoes, floods, hurricanes, and occasionally, even strong winter storms. Even a boat in a dry dock could be damaged by weather.

Out on the water, you might run into a log or rock (including ones you can’t see underneath the surface). Even if you’re an expert and attentive driver, you may not see some dangers. Further, someone else could run into you at no fault of your own.

Whatever the cause of the damage or incident, if you don’t have boat insurance, you may face a lot of liabilities. Boats can be worth many thousands of dollars, and without insurance, you may recover nothing if your property is damaged. Medical bills can be even more costly.

Given these liabilities, anyone who owns a boat should closely consider boat insurance. Contact Insurance Solutions Inc., which serves Cullman, AL, to find the boat insurance plan that works for you.

Why should someone get classic car insurance in Alabama?

When you are in the Cullman, AL area and love a vehicle, owning a classic car can be a dream. A classic car is a unique vehicle that can be a prized possession and valuable asset. Due to this, you should get the right type of insurance for it. There continue to be many reasons that someone in the state of Alabama should get a full classic car insurance plan on their classic car. 

Cover Your Valued Investment

A key reason that you should get a classic car insurance plan when you are in Alabama is so you can cover your important investment. Those that would want to own a classic car are going to find the value of it can increase with time. This differs from other vehicles that tend to depreciate in value. With a classic car insurance plan, you will have the right coverage to protect the full value of the valuable vehicle.

Proper Liability Coverage

With a classic car insurance plan, you will also get a proper liability insurance policy. All drivers in Alabama are required to carry liability insurance. However, classic car owners typically drive much less than those that have standard vehicles. With a classic car insurance plan, you will get a liability policy that will accurately reflect the reduced liability risk that comes with fewer miles driven each year.

As you would like to insure your classic car in the Cullman, AL area, speaking with the team at Insurance Solutions Inc. is very important. The insurance team with Insurance Solutions Inc. can help you determine what your classic car insurance needs are. They will then offer any necessary support that will help you to build a plan that gives the ideal coverage for your situation. 

Important Facts To Consider While Researching RV Insurance

Insurance Solutions Inc. serves the Cullman, AL community by offering insurance coverage. We strive to help our clients find personalized coverage to protect what matters most. We are an independent agency.

Important RV Insurance Facts To Consider

Traveling around Cullman AL in your RV is an exciting experience. In many ways, your RV is your home away from home. However, it is important that you protect your asset. RV insurance covers your vehicle and your personal belongings if there is an emergency situation. RV coverage protects your vehicles if it suffers damages due to a collision or natural disaster. Your personal belongings are also covered if they are stolen or vandalized. While you research different policies, consider these important RV insurance facts.

Different Types Of Vehicles

Keep in mind that you may need special coverage depending on the type of RV that you have. Most RVs fall into the Class B tier. Class B vehicles include camper vans and travel trailers. Class C vehicles include standard cargo vans. Class A vehicles include luxury coach models, motor coaches, and other large vehicles.

Extensive Coverage

You can add extra coverage to your RV insurance policy to protect yourself. In the event that your RV suffers engine failure or another issue, you can add towing coverage. You can also add uninsured motorist coverage to protect you if you collide with someone who does not have coverage.


If you plan to go camping for a few weeks, you can add storage coverage to protect you if your RV is damaged. You can amend your policy to cover any damage to your accessories, such as a trailer. You are also covered if your accessories are stolen.

Insurance Solutions Inc. Will Help You Stay Safe On The Road

Visit our website today to learn more information about RV insurance.

Who needs to have ATV insurance?

In the Cullman, AL area, owning an ATV can be a lot of fun. This area of Alabama offers a lot of off-roading courses and other locations that can make using an ATV a great option. When you do invest in an ATV here, you need to get the right insurance for it. There are several scenarios when someone needs to have this coverage. 

Those that Want Liability Protection

One situation when you need to have ATV insurance is when you want to have liability protection. Using an ATV is generally safe and can be a lot of fun. However, accidents can happen and if you cause damage during a collision, you will have to pay for the damages. With an ATV insurance plan, you will get the liability coverage needed to help mitigate this risk. 

Those that Want to Protect Asset

You should also consider getting an ATV insurance plan if you want to protect your asset. An ATV will take a big purchase and investment to acquire. The best way that you can be assured that this investment will pay off in the future is by getting an ATV insurance plan. With this coverage, you will receive the protection necessary to repair or replace your ATV if it is damaged or stolen.

Using an ATV in the Cullman, AL area can be a lot of fun. Those that do get an ATV here will clearly benefit from getting an insurance policy for it. When you are looking for a new ATV insurance plan in this area, you should call Insurance Solutions Inc. The team with Insurance Solutions Inc. understands the value and importance of this type of coverage. They can then help you build a policy that will provide the right coverage for your ATV. 

How Does Umbrella Insurance Work?

Umbrella insurance works a little differently from other insurance coverage types. It is a policy that serves to complement other insurance policies that you have. If you want a higher amount of insurance protection for your home and auto insurance, call us at Insurance Solutions Inc. in Cullman, AL to find out more about umbrella insurance.

Home and Auto Insurance Policies

When you already have home and auto insurance policies in place, you can add to their coverage by getting umbrella insurance. It serves to add to the liability insurance that you have through those other two policies. For each of them, umbrella insurance adds a considerable amount of liability coverage. This helps you to be able to pay for accidents in your home or vehicle without having to pay out of pocket after your home or auto coverage has maxed out. Typically, home and auto policies have small amounts of liability coverage that they will pay.

Umbrella Insurance

Once your home or auto policy has reached its maximum payout for liability, your umbrella insurance policy kicks in. It adds to that coverage so that you aren’t responsible for the amount that you owe over and above your first insurance policy. Umbrella insurance has a much higher maximum payout than standard home and auto policies do. And with umbrella insurance, it’s cheaper to get that extra liability coverage with this policy than it is to add more liability coverage to your home and auto policies. 

Talk to an Agent

If you have little liability insurance with your home and auto insurance policies, you may need more coverage to take care of serious accidents and other incidents. If you are interested in getting an umbrella policy, call us at Insurance Solutions Inc. in Cullman, AL to find out more about these policies. 

It’s time to review the commercial policy for your Alabama-based business

Are you a business owner in the greater Cullman, AL area? The team at Insurance Solutions Inc. is here to help you with all of your commercial insurance needs. We believe that regular policy reviews are an essential part of protecting one’s business, and are proud to provide that service to our clients. 

Why we recommend annual reviews to our commercial clients

Insurance coverage needs to change right along with your business. Your policy will need to be reviewed on a regular basis to make sure that your protection levels are in sync with your business’s value. Here are three main reasons why we think it’s a great idea for our clients to conduct a regular review of their commercial policies:

  1.  Changes in the value of the company – as your company grows, so to will your insurance needs. As you add inventory, equipment, and staff to your firm, make sure that your coverage is growing too!
  2.  Need for additional features and protection – there may be specialized needs that your company has as it grows, for example, fleet coverage as you add new vehicles for company use.
  3.  Upgrades from basic to comprehensive coverage – insurance policies vary widely, and now might be the right time to upgrade to a more comprehensive policy. 

Owning a business requires a lot of hard work and dedication, make sure that your commercial policy is keeping pace with your needs.

Call Insurance Solutions Inc. today to schedule a review of your commercial policy!

Cullman, AL area business owners understand the importance of protecting their businesses. If it’s been a while since you have reviewed your commercial policy, call us today. We are here to provide the knowledge and guidance that can help you make informed decisions when it comes to addressing the insurance needs of your business. 

A Home Insurance Guide for Beginners

Insurance Solutions Inc. is a leading home insurance company in Cullman, AL, offering affordable policies to the customers in this area and the surrounding neighborhoods. As a homeowner, you need to buy a home insurance cover so that you can take care of your home and the persons living inside.

What Does Home Insurance Cover?

In Alabama and around the country, it is required by state laws to have a home insurance policy. However, knowing what is covered is important because it gives homeowners a chance to know where to begin in case of a disaster.

Damages to House Exteriors and Interiors

Vandalism, lightning, hurricanes, and fires are possible disasters that are likely to affect a home. These disasters will inflict considerable damages to the interiors and exteriors of the house. Home insurance policy will cater for the repair of interior and exterior damages. In some instances, the insurance may cater to the complete rebuilding of the house, depending on the damages.

Damage to Personal Belongings

In case of an insured disaster, personal belongings such as appliances, furniture, clothing, and other room contents will be covered. Although you can claim for off-premises coverage of items such as jewelry, there is a limit to what the insurer may reimburse you. In such cases, you need to have extra insurance policies covering the off-premises valuable items.

Personal Liabilities for Injuries Caused

If someone is injured on your property, the home insurance will cover such personal liabilities. Covering for personal liability is common for home insurance, especially if your dog bites neighbors or any other person walking close to your premises. The insurance company will be responsible for medical and lost wages.

If you live in Cullman, AL, and you’re looking for a home insurance policy, visit Insurance Solutions Inc. for more information on a cover that meets your specific needs. 

What Cullman, AL Drivers Need to Know About Minimum Auto Insurance Requirements

The process of buying auto insurance in Cullman, AL, is almost similar and critical to purchasing the car itself.  Driving safely in Alabama means having to buy the minimum state requirements for car insurance.  The requirements aren’t so much different from other states, but it’s essential to understand what to expect. Here is all you need to know.

What are the minimum car insurance requirements in Alabama?

If you own a car in Alabama, you will need to ensure that it meets the minimum requirements. However, satisfying these requirements doesn’t mean you are fully covered. If you need help determining which coverages work best for you, Insurance Solutions Inc. can help you select the coverages to add to your policy. The state of Alabama requires that drivers carry a minimum requirement of; Bodily injury liability per person and per accident as well as property damage liability per accident.

Alabama is NOT a no-fault state

While the no-fault law seeks to simplify the legal process after a car accident, Alabama is not a no-fault state. This means that if you are hit by another driver who is at fault, you will need to seek justice and compensation by following up with their insurance company.

Other critical coverages

 Protecting yourself and your family means purchasing all the essential coverages in Cullman, AL. Depending on your driving needs, style, comfort, preference, and budget, you may need to add other essential coverages such as comprehensive, collision, personal injury protection, and uninsured/underinsured driver. You also need to practice safe driving and follow traffic rules.

Let Insurance Solutions Inc. help you

Auto insurance is mandatory in Alabama, but it doesn’t mean you stop there. Find coverages that will enhance your safety on the roads. Our trusted insurance team at Insurance Solutions Inc. can expertly customize a policy to meet all your auto insurance needs. Contact us today.

Three steps to finding the right auto insurance policy

The auto insurance policy you choose in Cullman, AL could affect you financially down the road if you eventually need to file a claim. We sell auto insurance to Alabama motorists at Insurace Solutions Inc.

The following are three steps you should go through when finding the right auto insurance policy. 

Determine what kind of coverages you want

There are numerous types of auto insurance to consider. One type you’ll have to buy to meet your legal responsibilities is liability coverage. You should also buy collision coverage if you want damages to your own vehicle to be covered. A few other types of auto coverage you should invest in are comprehensive and uninsured/underinsured motorist coverage. 

Shop around and get a few quotes

The next step is to get quotes on policies offering the coverage you’re interested in. Find providers offering auto insurance in your area.

Get quotes from insurance companies with a good reputation. It’s important to get multiple quotes so that you can compare them to choose the option that will give you the most value. 

Analyze quotes and purchase a policy

Look at the quotes you have and evaluate them. Don’t only consider the premium costs. Also, consider the coverage that goes along with each policy.

It’s a good idea to call an insurance company representative and ask a few questions to not only learn more but also evaluate the customer service of the company before you purchase a policy. 

We’re here to help you when you’re on the market for auto insurance in Cullman, AL. Do you need assistance with finding a policy? Call us at Insurance Solutions Inc. and we’ll answer any questions you have about meeting your auto insurance needs.