Beginners Guide to Motorcycle Insurance

Motorcycle insurance is required in Cullman, AL, so it’s important to get familiar with what it is in order to stay protected the road. The state’s minimum liability requirement is $50,000 for injury liability and $25,000 for property damage. You may want to consider getting extra liability beyond the minimum to protect your assets, in cause you are sued after an accident. If your liability doesn’t cover the claims and legal costs, creditors could go after your assets.

There are different motorcycle coverage options for you as well. An agent at Insurance Solutions Inc. can help you find what works for you. Since liability only protects injuries and damages to others, you want to find enough coverage in order for you to stay protected. Motorcycle insurance is similar to what you will find for auto insurance. Collision coverage will pay for damages to the motorcycle minus your deductible. Comprehensive coverage will pay if your motorcycle is damaged by an event that is not an accident, or if it is stolen. Animal collisions will typically fall under this policy. Medical payments coverage can be used to pay for medical bills if you are injured. Since motorcycles come with their risk this can be useful to have, no matter how good of a driver you are. Trip interruption coverage will pay for transportation and lodging if your bike is disabled due to an accident far from home. Coverage for equipment accessories and custom parts can also be added if you enjoy customizing your motorcycle. Roadside assistance is a policy that includes towing and labor if your bike breaks down.

Many insurance companies also offer to lay up insurance during the time when your bike is put away. Insurance will cover you against theft or events that can damage your bike in storage but won’t cover you in an accident.

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

Will Boat Insurance Protect Your Vessel From Lightning Storms?

Every year, you take your gorgeous boat on one of the many lakes in Cullman, AL and enjoy beautiful sailing conditions and flawless weather. However, you’ve run into some nasty situations with lightning storms in the past and want to make sure that your boat policy from Insurance Solutions Inc. will cover any damage caused by lightning strikes. Thankfully, you should be protected but read on to learn more.

Lightning is Covered By Boat Insurance

Boat insurance is designed to handle the unique problems that occur when a person is out on a boat on the water. For example, it will cover the repair of leaks caused by running into rocks and other types of issues. However, boat insurance will also cover lightning damage caused by storms.

Policies typically breakdown storm damage into a handful of different categories, including damage by hail, floods, wind, and lightning. Typically, lightning is the most damaging when it does happen to a boat. However, even damage from hail and excessive winds are covered by boat insurance, ensuring that your vessel is safe.

Does a Policy Void If Boaters Go Out In Storms?

Boaters may worry that going out during potentially stormy weather voids their policy because they are engaging in risky behavior. That is not the case at all. Does driving in a snow storm void a person’s auto insurance policy? Of course not.

The only time your policy may be voided or denied is if you purposefully damage the boat to collect on an insurance policy. And unless you have control of the elements and can cause lightning to strike at will, lightning damage cannot be self-inflicted on a boat.

Finding a Policy That Works for You

During this boating season in Cullman, AL, you need to make sure that you take out an insurance policy that will protect your vessel from lightning and other types of storm damage. Please contact us at Insurance Solutions Inc. to learn more about the many types of policies available and to find one that will suit your unique boating needs.

Classic Car Insurance Can Protect the Average Investor

Are you an average, hardworking individual in Alabama who happens to own an exotic or classic vehicle as an investment? If so, you will want to be careful and protect what you have bought.

Purchasing classic car insurance is a wise choice. These policies could help you sleep easier at night, knowing that when something bad happens to your automobile, you will be better able to salvage the situation.

To get started, contact us, the professionals at Insurance Solutions Inc. We serve the Cullman, AL region and can provide information specific to your situation.

Why Owners Opt for Classic Car Insurance

What could go wrong, you might ask? Well, first, a classic car garners lots of attention. Someone could damage your property. It is not unheard of for random people to attempt to take "selfies" next to a fancy automobile. They, in turn, can scratch the paint, break a window or otherwise cause harm. You might then find yourself with a huge repair bill.

Classic car insurance could possibly cover such an event. Just be sure to speak with one of our professional agents, who can provide detailed information on policy coverage.

Some Basics

Classic car insurance differs from your regular auto insurance. For example, many policies expect you will not be driving the vehicle on a regular basis.

A classic car is more of a showpiece and investment, not something you use for your work commute. Therefore, it is best to discuss your particular needs with our Alabama insurance specialists in order to find the right policy to match your needs.

Contact a Compassionate Agent Today

You can and should protect your investment. Just contact Insurance Solutions Inc. 

We serve the Cullman, AL area, and our website has the information you need to get started. We are known for helping owners guarantee the safety of their classic car investments before the worst happens.

How much RV Insurance Do I Need?

Driving around and seeing the country is one of the top dreams that many people share. When you are looking to tour the country, one great way to do this would be by purchasing and driving your own RV. For those that are in the Cullman, AL area, making sure that you have the right insurance coverage in place is very important. There are several factors to consider when you are looking for RV insurance.

Liability Coverage

If you are taking your RV out on the open road, you will be required by state law to carry liability insurance at all times. In Alabama, you will be required to carry bodily injury liability coverage of at least $25,000 person with a $50,000 per incident cap. Additionally, you will also need to make sure that you have property damage coverage of at least $25,000 per incident.

Property Damage Coverage

Depending on your situation, you will also want to make sure that you have collision and comprehensive insurance coverage. While liability coverage is the only type of coverage that is required by law, collision and comprehensive coverage could provide you with additional valuable coverage. This type of coverage will give you protection in the event the RV is stolen, vandalized, or you are at fault in an accident. This type of coverage is always required is you have a loan on the RV and is often a good option even if you do not have a loan. 

If you have an RV in the Cullman, AL area, you will want to make sure that you speak with Insurance Solutions Inc. about your insurance needs. The professionals at Insurance Solutions Inc. will be able to review your situation and figure out what the right policy is for your situation. 

What does ATV insurance at Cullman AL cover? Or do I need ATV insurance?

As an Alabama resident, if you own an off-road or ATV vehicle, making sure it is under the appropriate cover in case of an accident, injury, theft or loss is obligatory. You stand to enjoy the complete package you need which may include property damage liability, comprehensive and collision coverage, medical cover, and uninsured or underinsured motorist. However, keep in mind policy benefits, and specifications may vary from one insurer to another.

Besides, if your vehicle is categorized as a utility vehicle (UTV) or side by side, it might be considered as ATV while complying with the policy contract. Remember, to ride in some places like the state park; the law requires you have a primary ATV insurance. 

Serving this fantastic state, Cullman, AL, Insurance Solutions Inc. provides the appropriate ATV plan that works best for you. The insurer will take care of your expensive all-terrain vehicle that you could find challenging to replace in case of exposure to any form of risk while bound by the policy agreement. Here are other quick tips to know for your ATV plan. 

Do you need ATV insurance? Are there any Exemptions in the policy?  

You need an ATV insurance to keep you safe from a wide range of things including any damage due to accident-related personal injuries. In case such risks occur, you are subject for compensation from your underwriter. Also, engine damages caused by natural calamities like floods are covered. 

However, there are things ATV insurance won’t cover. These are intentional damages caused due to negligence on the part of the operator.  For this reason, you have to exercise absolute care while using your ATV. You can’t deliberately drive your ATV through high water, damage your engine and anticipate compensation from your insurer. Do you own an ATV? Cullman, AL, Insurance Solutions Inc. is ready to help you go through the policy for satisfaction before signing up. Call and speak to our accredited agents today for any additional information or essential details. We will gladly walk with you because together, we value that ATV. 

 

Why Business Owners Should Have a Good Umbrella Policy

Making sure you have proper insurance is good for any business in Cullman, AL, and an umbrella policy is a part of having proper coverage.

An umbrella policy will expand your coverage limits. For example, if your liability insurance only covers $1 million and you purchase an umbrella policy that also covers $1 million, your insurance coverage will expand to $2 million.

An umbrella policy may cover other items that your general liability insurance does not cover. General liability policies could be limited to a particular geographic area, and the umbrella policy could cover a much broader area. Umbrella insurance may pay for itself and it can provide a lot of extra coverage for a low cost. It can be more cost effective to get an umbrella policy than it is to raise the limits on your other liability policies. An agent at Insurance Solutions Inc. can help come up with a policy for you that is low cost and still provides great protection. 

Umbrella insurance will help protect your assets. It’s important to remember that liability insurance will not cover everything, and if there is an accident where you aren’t fully covered, you could have to sell your business assets or your personal assets to cover your liability. As a small business owner, this could wipe you out.

Businesses that have higher risks can benefit from an umbrella policy. If your business serves high net worth clients, or clients that have higher liability limits than others, make sure to protect yourself. Even if you don’t have a business or clients that are high risk, it doesn’t hurt to err on the side of caution and carry the extra coverage, in case a claim comes in. It can give you peace of mind so you don’t lose everything you have worked for.

Contact Insurance Solutions Inc. serving Cullman, AL, for a quote on umbrella insurance.

 

Is Commercial Insurance Required By Law?

If you own a business in Cullman, AL, it’s imperative that you protect yourself against flood, theft, and damage to your property, as well as ensure you are covered against liability in the event that anyone from an employee to a customer or client suffers an injury while on your property.  But, whether you are a mom-and-pop startup or a big company, what are the legal requirements for commercial insurance coverage in Alabama? 

Commercial General Liability 

Alabama requires general liability insurance for most business owners. General liability is designed to protect you as a business owner from claims due to direct or indirect damage to another party. Your policy helps pay for damages caused by your employees, visitors, or your business, as well as subcontractors. While the insurance is required, you do have a choice when it comes to deductibles and policy limits, so contact Cullman, AL, Insurance Solutions Inc. To find a policy that meets your specific needs depending on your specific industry or type of business. Insufficient liability coverage could put your business in jeopardy in the event of a claim.  

Commercial Vehicle Insurance 

The FMCSA and Alabama have specific insurance requirements for semi-trucks. Some coverage is mandatory, such as primary liability, while others are not, but bobtail and physical truck damage insurance coverage is just a smart business move. While Alabama has strict requirements of all drivers, like no-fault car insurance and uninsured motorist coverage, that doesn’t ensure your company will be protected in the event of a collision or accident. Without commercial vehicle coverage, you could be putting your company at risk. Who needs commercial vehicle insurance? If you or your employees are operating a car or truck for any business purpose, you need commercial vehicle insurance. Here are examples of some vehicle operations that need commercial coverage: Pickup or delivery of newspapers, messages, limousine services, taxi services, pizza or other foods, and products. 

Additionally, if your vehicle is used in the following ways, you may need commercial insurance: 

  • Registered to a business, partnership or corporation, or leased or rented by others 
  • Equipped with bathrooms, hydraulic lifts, snowplowing equipment, racing equipment, cooking or catering equipment.  
  • Used consistently by either you or your employees for both business and personal use.

2 Amazing ATV Trails and 3 Ways To Make Them Even Better

If your ATV’s collecting dust you might need to find “Your Trail.” Forget about work. Dust that bad boy off instead and claim your weekend. Folks, America has the most wide-ranging terrain on Earth. Amazing ATV trails are everywhere, waiting for riders seeking some next-level thrills. All you have to do is find them, let the dirt fly, and fall in love again. It’s time for a road trip.

Hatfield McCoy and Paiute Trail Systems

Located in West-Virginia, Hatfield McCoy consists of eight trails, 700 miles long. With options for every experience level, it’s the communities that stand out. Using connecting trails, riders can reach local towns friendly to ATV enthusiasts and experience a bit of southern charm.

Like Hatfield McCoy, Paiute’s nearly 3,000-mile trail passes through many different ATV-friendly towns. What really makes the trail unique is its diverse scenery, such as massive ridges, breathtaking Aspen groves, and beautiful canyon paths.

Better Come Prepared.

A flat tire can ruin your trip so keep a 12-volt air pump on hand. First Aid Kits, food, plenty of water, and cargo straps to keep everything together are also essential for serious riders.

Many people enjoy night riding. Investing in super bright LED lights can extend your fun while keeping you safe as well.

Protect Your Ride

Here in Cullman, AL, Insurance Solutions Inc. knows the importance of having proper coverage on your ATV. While most think collisions, it’s easy to damage someone else’s property.

If you’re from Cullman, AL, Insurance Solutions Inc. can help you find the right policy to handle damages and legal fees, should an owner decide to sue. Contact us today for a quote.

So have fun, be safe, and go throw some dirt.

How Umbrella Insurance Protects You From Liability Risks

Though liability insurance can be helpful when it comes to covering costs after an accident, it can still be incredibly limiting. There is only so much that liability insurance can cover when it comes to damages to person or property. What’s worse is that your costs will rise exponentially if legal action is taken against you. Whether it was your fault or not, you will now have to handle lawyer fees to make sure you don’t end up losing in court. Fortunately, there is a better solution out there to help cover your potential costs.

Umbrella Insurance

While liability insurance covers the bare minimum when it comes to costs, umbrella insurance can take care of you in more ways. Umbrella insurance covers your home and vehicles with liability costs and also covers any legal fees that may arise in the event of an accident. This means that you will have the right legal resources available to you if you get sued due to an accident. Whether it happens within your home or from your automobile, legal fees will be taken care of via your umbrella insurance policy. Your policy can also be increased via increments in the 1-2-million-dollar depending on your preference.

Protect Yourself from Unforeseen Accidents

Accidents can happen at any time. This means that you want to get the best coverage for your home and vehicle to protect your assets from damage. You will also want to protect yourself from any legal fees that can happen due to these accidents. Insurance Solutions Inc. services the Cullman, AL area and provides professional insurance solutions at your convenience. Contact us today to schedule your consultation so our friendly staff of insurance experts can help you find the coverage that you need. Don’t wait until you get into an accident, get Umbrella insurance to protect you and your assets today!

Do Boats Without Motors Require Insurance?

Many boat owners have questions about the insurance coverage requirements for their area. In most states, if you have a boat with a motor, you are required to purchase liability insurance. For boat owners who have vessels without a motor, the circumstances are different. Read on to find out what your options are for boat insurance.

Should You Make An Insurance Purchase?

If you have a vessel that doesn’t have a motor but has substantial value, you can purchase a special policy which protects your craft from a variety of scenarios. Keep in mind, however, that most policies do not cover the boat when it is out of the water or in storage. If your vessel is in storage, the insurance of the storage facility would cover any damage that occurs when on the premises. 

Finding Boat Coverage

Finding the right coverage for your boat without a motor can be challenging. Before you make a purchase, make sure you are doing business with a reputable insurance provider who can give you the coverage you need to prevent losses. Companies such as Insurance Solutions Inc. serving the residents in and around the Cullman, AL area can help guide you through the process and offer options that are designed to fit your individual needs. They have the products and service you need to protect your vessel and prevent losses as a result of covered events that take place on the water.

For more information about boat coverage for residents in and around the Cullman, AL area, call or stop by the office of Insurance Solutions Inc. They have the answers you need and can customize your coverage to give you peace of mind.