What Does a Comprehensive Auto Policy Cover?

In the state of Alabama, drivers are required to have at least the state-required minimum amount of liability insurance. The minimum liability required is $25,000 per person with a total of $50,000 per accident and $25,000 in property damage. Given the cost of medical services and the cost of cars, this really is a very basic amount of auto insurance. At Insurance Solutions Inc. in Cullman, AL we know that this is not enough coverage for each and every person and we sit down with our customers to determine the best coverages for their particular vehicle and financial situation. 

Comprehensive coverage is additional coverage that protects your vehicle. It is often combined with collision coverage. It is non-collision insurance. It helps you to repair your car when things happen to it that are beyond your control. It can be a deer that darts into the road in front of your car or a hail storm that leaves your car covered in dents. If your car is stolen or vandalized, it is comprehensive insurance that can help you to replace it. Glass coverage is often part of this coverage and being able to get your windshield repaired or replaced quickly without a deductible is something that almost everyone will use at one time or other. 

Auto insurance can be tailored to each individual’s needs and getting to know our clients helps us to provide them with the insurance that is just right for them. At Insurance Solution Inc. we have a team of experienced agents who will take the time to get it just right for you. Give the office of Insurance Solutions Inc. in Cullman, AL a call or stop by for a no-obligation quote. You can also use our online rating tool to get a quote before you stop by. 

Do Cullman Car Owners Need Insurance?

Living in the Cullman, AL area can be a great experience as there are plenty of local amenities, a lot of job opportunities, and other advantages. To get around Cullman efficiently, you will need to own your own car. If you do own your own car, you also need to consider your auto insurance needs. There are several reasons why a Cullman car owner could need an auto insurance policy. 

Liability Concerns

One reason why people in Cullman need to have auto insurance is because of liability concerns. Anyone that drives a car on a regular basis is consistently taking on the risk that they will be found at-fault in an accident. When this occurs, you are going to want to make sure that you have coverage to pay for any damage that you cause. Due to the importance of this form of insurance, the state of Alabama requires that all drivers have liability coverage. 

Coverage for Car

Additionally, many people will also want to have a full collision and comprehensive auto insurance policy. This full type of auto insurance will give you coverage for virtually any type of situation that results in a loss. This form of insurance is ideal for most car owners. 

Ultimately, anyone that owns and drives a car in the Cullman, AL area will be required to have auto insurance. Since it can be hard to determine what type of policy is right for your situation, it would help to speak to a professional about your needs. Insurance Solutions Inc. should be the first company you call when shopping for auto insurance. When you work with Insurance Solutions Inc. to get into a quality auto insurance policy, it will ensure that you are properly covered based on your needs and risks. 

Auto Insurance Basics: The Six Types of Auto Coverage

If you’re shopping for auto insurance in Cullman, AL, you may already know how it works in general, but do you know the six basic types of vehicle insurance? Knowing the different types of auto insurance policies, what they cover, and how they work is an important step in helping you determine the best policy for your unique situation. Here are the basic types of common auto coverage Insurance Solutions Inc. offers. 

Liability Coverage 

This type is coverage is legally required in most US states in order to drive a vehicle. Liability insurance may cover personal injuries and property damage to others you are determined to be legally responsible for as a result of a covered event. 

Collision Insurance 

This insurance may cover damage, repairs, or replacement in the event your vehicle is damaged or totaled during a covered accident involving another vehicle. 

Comprehensive Insurance 

A comprehensive auto insurance policy may pay for damage your car sustains due to a collision with another vehicle as well as expanded coverage for other damage caused by weather events, vandalism, collisions with animals, and more. 

Uninsured/Underinsured Motorist Insurance 

Many drivers choose to carry the minimum required liability coverage, or fail to carry any insurance at all. Underinsured motorist coverage will protect you in the event that the other party’s insurance policy won’t cover the costs resulting from an accident, and uninsured motorist insurance covers both you and your vehicle in incidents involving uninsured drivers and hit-and-run events.  

Personal Injury Protection Insurance 

This insurance may provide coverage for certain medical expenses and income loss that results from a covered incident. Depending on your policy limits, it could cover up to 80% of your medical and other expenses that stem from a covered accident. 

Medical Payments Insurance 

A medical payments insurance policy can help you pay expensive medical costs resulting from a covered accident, no matter which party is at fault. 

If you don’t have auto insurance coverage currently, it’s crucial to get a policy in place as soon as possible. For more information about the types of insurance described above, and for guidance finding your perfect auto insurance plan, call the Cullman, AL automotive insurance experts at Insurance Solutions Inc. today. 

Does Your Car Insurance Cover a Rental Car?

If you are getting a rental car in Cullman, AL, you may be wondering if your car insurance will translate to the rental car and if it is worth paying for the extra insurance the rental car company offers you.

There isn’t an easy answer because it will depend on what your personal auto insurance covers, what protection your credit card offers, and where you are renting the car. Before you rent a car, you can talk to your agent at Insurance Solutions Inc. to determine if your current coverage can extend to your rental vehicle.

Generally, coverage from a primary auto insurance policy does extend to a rental car. If you cause an accident when you are driving a rental, then liability insurance will pay for damages to other cars and injuries. Your collision and comprehensive coverage will also extend to the rental car. Collision coverage will pay for damages related to an accident and comprehensive will cover damage not related to an accident. There could still be some charge the rental company imposes, even with collision and comprehensive coverage, but it still helps to have that coverage in place.

Different credit cards also come with rental car insurance as an added benefit. This can take the place of your current auto policy. For this coverage to work, you will need to pay for the rental vehicle using that card. Not all coverage through credit cards is the same. Some offer primary coverage so you don’t have to make a claim on your auto insurance, while others only offer secondary coverage.

Your home or condo insurance can still cover your personal belongings if they are stolen from a rental car, but you should check those individual policies for any exclusions.

Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on auto insurance. 

How to Protect Your Car From the Southern Climate

Insurance Solutions Inc. has been serving Cullman, AL, for long enough to see a few things. They know what tends to harm cars the most, and some of those problems are unique to the southern climate. If you know the woes of a hundred degrees and 90-percent humidity, then these tips are for you.

Maintain the AC

Air conditioning is the most important feature of a car for many southerners. In the ultra-humid climate, it doubles as a dehumidifier. This is a good thing for your car’s interior. It prevents mold damage and similar humidity-caused ailments. It’s also hard on the AC. Add AC health checks to your regular maintenance. It can prevent expensive problems that will ruin your summer and make your interior vulnerable.

Clean the Undercarriage

You see this advice a lot in the colder climates. The salt from the winter roads is corrosive and dangerous. In Alabama, the problem is mud. Some of your cars never leave the city and have less of a problem with this, but for those of you who have a little fun driving, remember the bottom when you give your baby a bath.

Block the Sun

Every southerner respects the sun. It can be as brutal to your car as it is to you. Make sure your windows are properly tinted and use a windshield cover whenever you can. If you can’t park under cover, consider getting a cover for the whole vehicle.

When you give your car the attention it deserves, it can last a lot longer. That doesn’t just save you money in car payments. It can help with insurance rates too. If you want to see how residents in Cullman, AL, are saving money, talk to your Insurance Solutions Inc. representative.

 

Do I really need auto insurance?

Are you in Cullman, AL and wondering if you need insurance for your car? The answer is yes – every state in the United States, including Alabama, has minimum insurance requirements for driving a car.

The Mandatory Liability Insurance Law of Alabama was passed in 2013 by state lawmakers, and it requires all Alabama car owners to have liability insurance for each car registered in their name. 

The law requires these liability insurance coverage minimums:

– No less than $50,000 total for bodily injury or death per accident.
– At least $25,000 for bodily injury or death per person.
– And at least $25,000 for property damage.

In addition to these minimum requirements, Insurance Solutions Inc. offers several optional types of coverage, like collision, comprehensive, medical and funeral, and uninsured motorist coverage. Often, collision and comprehensive insurance are required if you are leasing or financing a car.

If you are pulled over or get in an accident while driving without the minimum coverage, there are severe consequences in the form of fines and suspensions. With your first violation, you’ll get $500 fine. With your second violation, you’ll get a $1,000 fine. You can also get your license and car registration suspended. Each time you get caught, your registration will be suspended for a mandatory four additional months. You’ll also have to pay to have your registration reinstated at the end of the suspension period. To get your license reinstated at the end of the suspension period, you have to file an SR22 with the state, which means that they will keep a closer eye on your insurance status moving forward.

If you want to avoid problems caused by driving uninsured, contact Insurance Solutions Inc. in Cullman, AL today, and see how much you can save on full coverage auto insurance!

What Influences Car Insurance Rates?

Car insurance rates in Cullman, AL, are affected by a number of different things. There are demographic factors, as well as car-related factors, and insurers will look at your driving habits. Insurance Solutions Inc. can help you find the best rate based on your history.

Demographic factors include age, gender, marital status, location, and credit score. Men, especially younger ones, tend to have high rates of accidents statistically and older men have better accident rates. Married people usually have fewer accidents, so getting married can reduce your rate, especially if you have a clean driving record. Those who live in densely populated neighborhoods mean that more cars are on the road, so there is a greater chance of an accident.

The car you drive also affects your rate because some cars lack safety features, are more expensive to repair, or are more likely to be stolen. Insurers will look at the safety rating for the vehicle as well. The safety rating includes how likely a passenger is to get injured and how likely the owner is going to get into an accident. It also looks at different safety features, such as seat belts and traction control. Larger cars usually have good safety ratings because they are generally safer, but engine size also plays a role. The age of the car can play a role because older cars are more likely to be totaled in an accident.

While some of these items you can’t control, your personal driving habits are something you can improve that affects rates. Your driving history and activity is important. If you haven’t been in any accidents or received any tickets, then you may get a better rate. Sometimes your rate will be dependent on what you use your car for and the distance your drive. If you are on the road more, you may be more likely to get into an accident.

Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on auto insurance.

Insure Your Classic Car With Insurance Solutions Inc. in Cullman, AL

Do you own a classic car? If you do, then you need to insure your dream car against the dangers of the road, as well as the winter weather to come. Many car owners opt to put their car in storage during the cold months. This isn’t a bad idea, but did you know that your car may not be insured through your base level automobile insurance or homeowners insurance while it’s in storage. 

You need to act now to protect your classic car, and the best way to do that is to call Insurance Solutions Inc. in Cullman AL. The experienced staff at Insurance Solutions are well-trained and prepared to answer your insurance questions. In Alabama, your homeowner’s policy may cover your car if it’s parked in your garage, or if it doesn’t, your automobile coverage may help cover the costs. However, if your car is damaged or stolen while at a separate facility, you may be out of luck. That’s why you need to consider purchasing an extra layer of property insurance for your classic car. This added coverage will protect your car when it’s not on your property. You should also speak with the garage owner to make sure they have the proper levels of insurance. Many garages’ insurance policies will cover your losses, but only to a certain point. To make sure your car is fully insured, give a call to Insurance Solutions and find the policy that’s right for you. 

Stop by the Insurance Solutions location at 1331 3rd Street SE Cullman, AL. Or give them a call. You can reach them toll-free at 800-844-8726 or at 256-739-2329. Call today and see what they can do for you and your car. 

How is the Value of a Classic Car Determined in Cullman, AL

The agents of Insurance Solutions Inc. understand how important it is to properly insure your classic car in Cullman AL. There are several things that must be looked at simply because many of classic cars are extremely unique when it comes to parts and maintenance.  

Establishing A Fair Market Value

A fair market value means what the car is actually worth in terms of materials, time, effort, and antique value. It’s often based on what someone would be expected to pay if the car was sold at auction or on a car lot. 

Original Or Standard Parts

Many older models have parts that are no longer manufactured. To replace these parts, you may have to find someone who specially crafts them. A classic car rarely has a reportable "book" value because car and its parts are no longer sold on a regular basis.

Under Construction

You may be able to cover your car under a "classic vehicle" policy while you’re still in the process of it. This will depend on the underwriter of the policy.

Weekend Warrior or Daily Use

One of the major factors is how often you drive your classic car. If you use the car daily, you run a greater risk of damage. If you only drive the car on special occasions or haul it to show, the risk of damage is much lower.

If you live in the Cullman AL area and are looking for an insurance agent who offers policies on classic cars in various stages of restoration, call Insurance Solutions Inc. The agents at the office can take a close look at your vehicle and determine exactly what type of coverage best suits your individual needs. 

When to Contact Insurance Agency After Accident

In the event of an auto accident, timing is everything. From making sure everyone is alright to informing the police what happened, you need to follow through with several steps to make sure everything is properly taken care of. Eventually, you will want to contact your insurance agency to let them know of the accident. At Insurance Solutions Inc. we want to make sure everyone is safe in addition to receiving the proper insurance coverage. 

Make Sure Everyone is Alright

After the accident, make sure everyone is alright. Check your passengers and then go to the other vehicles involved in the crash. If anyone is seriously hurt call 911. If not, contact the police. They will ask if you need an ambulance for smaller injuries. 

Document the Scene

While you wait for the police, always document the scene. There is no such thing as too many pictures so snap away. This includes everything from skid marks on the road to the damage on your vehicle. It is also a good idea to take pictures of the insurance and driver information of the other driver. 

Contact the Insurance Agency

After talking with the police you’ll want to contact the insurance agency. The police will file a report with a case number. You’ll want to give this case number to your insurance agent as it provides additional information to your insurance provider. 

Whether you live in Cullman, AL or your accident takes place in the general area, you need to know how to contact an insurance agency after an accident. By following through with these specific steps, you’ll make sure everyone is safe while also informing your insurance company. If you have any additional questions regarding auto insurance claims, Insurance Solutions Inc. is here to help.