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. 

 

Does Commercial Insurance Cover My Personal Car?

If one of the benefits that your employer offers is a company car, your employer protects the vehicle through commercial insurance. In this case, you do not need to worry about coverage when you are involved in an accident. However, some companies expect their workers to use personal cars when conducting the company’s business. Moreover, if you’re self-employed, you could end up using your car for both personal and business purposes.

This gray area between personal and business car use often raises multiple questions on car insurance. Does commercial insurance cover your car or do you need to rely on your personal auto insurance plan? If you run your own business, will the personal car policy offer the coverage you need or you will need a commercial policy? The answers to these queries depend on your situation and the insurance company you choose to work within Cullman, AL like Insurance Solutions Inc.

Company business and personal car

Large corporations often have commercial insurance policies that cover employees. If you drive your car while on business errands and you are involved in an accident, you may need to claim with your personal auto policy. However, it’s also possible for your employer’s insurance to pay. Make sure you verify the information with your insurer or employer to prepare adequately for the inevitable.

If the employer has covered you, ensure that you understand how the entire procedure will work in case of an accident. Make sure your employer informs you who you need to call when you get into an accident and always carry the insurance information in your car.

No matter which insurance company you contact after an accident, you must inform the insurance adjuster that you were on duty. Your insurer shouldn’t deny your claim, although they may need to recover the money from your employer’s insurer later. 

For more insights on commercial and personal auto insurance, contact Insurance Solutions Inc. in Cullman, AL.

 

 

Protecting Your Classic Car with the Right Coverage

Your classic car is a joy in your life.  Whether you restored it yourself or you just enjoy showing it off, you need the right insurance to protect it.  Classic cars themselves do not need traditional car insurance if they are not going to be driven on the roads.  If, however, you intend to take your beauty to car shows and club meetings, you will need insurance to cover it while you are on the road.  The team at Insurance Solutions Inc. know how important that special car is to you.  They work with classic car owners in the Cullman, AL area every day to make sure that they are covered when they venture out onto the open road.

In Alabama, the state identifies a classic or vintage car as one that is over 30 years old and has the same or similar appearance to the original car design.  The designation includes trucks, fire trucks, motorcycles, as well as, passenger vehicles.  When the vehicle is registered, plates designating it as a special vehicle as authorized.  This allows the owner to operate the vehicle on the road one day a week.

The team at Insurance Solutions Inc. works with vintage car owners in the Cullman, AL area to secure the best possible insurance for these vehicles.  As they are only driven occasionally, insurance policies that are formulated for the unique needs of classic car owners.  Your agent at Insurance Solutions Inc. knows that you want to show off your vintage car, so they will work to bring you the best coverage options.  They will also discuss the terms of the available policies so that you can make the best decision for your situation.  Get the coverage you need for a beautiful classic car.  Call today!

Commercial Insurance Coverage Lapses That You Must Avoid

At Insurance Solutions Inc., we’ve seen too many businesses accidentally void their commercial insurance when it wasn’t necessary. That’s because they fall into common coverage lapses that are easy to avoid. Here are a few issues that could cause you to lose your insurance.

Failure To Pay Your Premium

One of the simplest and easiest-to-avoid policy lapses is a failure to pay your premium. Too many people fall into this trap unnecessarily. That’s because they forget to or purposefully fail to pay their premium. When the grace period lapses, your policy will be voided. When this happens, any problem that affects your business won’t be covered by your insurance.

Inspection Failure

When buying new insurance, your business will be inspected by your carrier. They will decide if your business is safe to cover or if you should be denied. If you fail their inspection, they will void your insurance and leave you without coverage. As a result, it is critical to take steps to ensure you meet these standards. These standards may include having a safe operational environment and up-to-date appliances and equipment.

Auditing By Your Insurance Company

Excessive or high claims may trigger concerns from your commercial insurance company. As a result, they may end up auditing you. During this period, they may end up temporarily voiding your coverage until the issue has been resolved. Thankfully, it is usually possible to get your policy back. However, it will take a lot of work to ensure things go smoothly.

Avoiding These Issues

If your Cullman, AL business has a policy you are worried about voiding, contact us at Insurance Solutions Inc. We will take steps to fully ensure you and work hard to get your coverage as up to date as possible for your insurance.