Alabama Motorcycle Insurance Requirements

Though it is generally accepted that all cars on Alabama roads must carry a certain amount of liability insurance, it can surprise a lot of people that motorcycles must also have a minimum amount of coverage. As with auto insurance, motorcycle insurance has state minimums as well as elective insurance options. The professionals at Insurance Solutions Inc., serving the Cullman, AL area, can help guide you through what you must have and what you may want.

State Minimum Coverage

Alabama requires that motorists carry 25/50/25 liability insurance. This means that the amount of money the policy covers in the event that you are at fault in an accident is:

  • $25,000 for medical expenses per person. This means that multiple individuals are covered, but the cap of any one of them is $25,000. Regardless of how many are injured, there is a cap of
  • $50,000 for the total of the medical expenses. 
  • $25,000 for the damage to the vehicle/property (the other party, not you).

Important to Know

Those policies being “minimums” means that policies are available that increase the amount of coverage. In addition to minimum and full coverage, there are individual policies that can be offered to suit your needs.

Uninsured/Underinsured Motorist Coverage

This protects you in the event that you are in an accident caused by another driver should that person not have insurance, or not enough coverage to meet the total damage.

Towing and Labor

Any number of issues can lead to your bike being stranded on the side of the road. Towing and labor will offer a variety of roadside assistance services.

There are several other coverage options to consider. Speak with an experienced professional from Insurance Solutions Inc., serving the Cullman, AL area, to learn what is best for your needs.

3 Reasons to Get Boat Insurance

Having a boat in Cullman, AL is like having a passport to gorgeous summer sunsets and warm spring outings. For as much as you cherish your boat, it helps to have boat insurance. Insurance Solutions Inc. is here to give you three reasons why the right policy can make all the difference. 

1. Boat Insurance Is Practical 

You’re liable for the things you do with your boat. Whether an accident happens to a friend or to another boat, having the right policy means having coverage. It may not solve every problem if you’re found to be at fault, but it may save you from an unnecessary lawsuit against you. 

2. Boat Insurance Protects Your Boat 

While the safety of the people on your watercraft should be your number one priority in Cullman, AL, boat insurance call also help you protect your boat. If damage occurs due to a covered event, such as a bad storm, you’ll have the help you need to make repairs. This can really help save your investment, especially because tiny damages can quickly give way to much bigger repairs. 

3. You Have Someone to Turn To

It’s not always clear what the best course of action is should something happen to you when you’re out on the water. Even if your boat is in transit during the time (or if it’s seemingly safely tucked away in the marina), you’re likely to have questions about the best course of action.

With Insurance Solutions Inc., you get can trust our staff to give you the best possible advice during a stressful time. Talk to us today about the kinds of policies available, and how they can provide exactly what you need if something happens to you, your family, or your property. 

How Classic Car Insurance Differs from Car Insurance

Though they are used differently, classic cars also have to be covered with insurance.  However, policies for classic cars differ from policies used for day to day vehicles.  The policy will define the insured value based on an agreed-upon sum.  Also, while vehicles depreciate over time, classic cars actually increase in value.  This is why the policy will need to be periodically reviewed.  Our agents at Insurance Solutions Inc. work with classic car owners throughout the Cullman, AL area to put the right coverage in place.

Not every vehicle qualifies for classic car insurance.  The vehicle must be between 19-24 years old.  The specific age varies from providers.  Also, the car can not be used frequently.  The insurer will define the mileage limit allowed each year.  They will also verify that you have a primary vehicle for daily driving.  This gives you the opportunity to bring your classic car to shows and expos. Also, the vehicle will need to be stored appropriately when not on display. 

Classic car insurance, beyond these requirements, is similar to traditional auto policies.  Policies with comprehensive and collision coverage are available. You also have options for flatbed towing or roadside assistance.  Special auto show medical coverage can protect you if someone is injured while the vehicle is on display.  There is also covered that protects the car at a show when it is unattended. 

In the Cullman, AL area, our agents at Insurance Solutions Inc. are ready to help you with classic car insurance. Whether lovingly restored the vehicle or just enjoy it, its time to get it covered so that you can drive and display it at auto shows and area events.  Visit the website, then contact us for more information. Take care of your classic car!

Will RV Insurance Cover My Possessions?

Before you set sail from Cullman, AL in your new RV, you’ll probably want to know whether or not your Insurance Solutions Inc. RV policy is going to cover the contents of your new home on wheels. Here’s what you need to know:

  • Some contents are covered, but not all. You can expect fixtures to be covered if they’re on your policy, propane stoves, the shower, furnishings, basically whatever’s bolted down, whatever came with the RV, that’s going to be covered.
  • Additional coverage can be purchased in some instances, but…
  • Your home insurance or renters insurance is going to take care of the contents of your RV for the most part. If you have books, clothing, jewelry, a TV and a Blu-ray player, etc. in your motorhome, you’re going to want to make sure that those items are on your home insurance or renters insurance inventory, because that’s where the coverage is probably coming from.

There are, of course, full-time RVers who don’t have a home insurance policy or a renters insurance policy, because the RV is their primary home. In these instances, you’ll want to purchase extra protection to stay safe, but by and large, RV renters rely on RV insurance for anything that’s bolted down, and home/renters insurance for anything that isn’t.

If you’re ready to take your maiden voyage out from Cullman, AL, get in touch with Insurance Solutions Inc. by phone or online and see what they can do to keep you safe out there on the road. Adventure is fun, but it’s even better when you have some peace of mind, and that’s what a good RV insurance policy buys you.

Why it Makes Sense to Review Your ATV Insurance Now

Summertime is the perfect time to get out and enjoy your ATV, but before you do, the team at Insurance Solutions Inc. recommends that you have your insurance policy reviewed. It is surprising how many people in the greater Cullman, AL don’t think too much about their need for comprehensive ATV insurance. Even if you ride on private property, it’s still a good idea to have robust insurance! We are here to help you find a policy that meets your needs.

Review Your ATV Insurance Before Summer Gets Here

Now is the perfect time to take a closer look at your ATV policy. Many folks think that because they ride on private land, their needs are covered by a basic policy. Unfortunately, this is not always the case. In the event that you or a passenger are involved in a mishap that causing injury, you will want to have the appropriate coverage. Comprehensive coverage can also take care of loss or damage to your vehicle, or provide compensation if your ATV is stolen. These types of features are available with a comprehensive policy, while most basic coverage lacks this level of protection. Don’t find out that your policy doesn’t have the coverage you need after the fact. Take the time now to thoroughly review your policy and make any necessary changes before it’s too late. 

Are you an ATV enthusiast in the greater Cullman, AL area? Insurance Solutions Inc. is here to help you manage all of your insurance needs. Whether you are looking for ATV insurance or would like to have your policy reviewed for completeness, give us a call. Feel free to call or stop by to meet with one of our knowledgeable agents and learn more about your ATV policy options.

Need Commercial Insurance? 6 Questions to Ask Your Agent

If you’re about to start up a business, commercial insurance might be one of the things that’s on your mind. At Insurance Solutions Inc. we can help you find the right type and level of policy to meet your needs and protect your business interests. If you’re in the Cullman, AL area, we’re here for you. Not sure what to ask when you reach out? We can help with that, as well. Here are six of the most important questions to ask your agent when you’re trying to find the insurance policy that’s right for your business.

1. Do I need a business policy at all, or can I go without one?

2. What all does a commercial policy cover for the type of business I have?

3. How often should my insurance policy be updated to reflect changes in my operations?

4. Does a business insurance policy protect my customers or clients and my employees, as well?

5. Do I have options for different companies where I can get my insurance policy?

6. Who do I ask if I have questions about my policy in the future?

There are plenty of other questions you might have, but these are some of the most important ones to start with. Contact us at Insurance Solutions Inc. today by giving us a call or stopping by, and we’ll get you started on finding the commercial insurance policy that’s right for your Cullman, AL area business. We know it’s not always easy to navigate everything that you need to do when you’re a business owner, but we can take the worries you might have about insurance away by giving you good advice and a policy that protects you. Then you can have peace of mind, and get back to running the business you love.

How a motorcycle insurance policy can protect someone in Alabama

Owning a motorcycle is a dream for many people in the Cullman, AL area. Due to the warm weather, it is also a very practical mode of transportation for much of the year. Before you purchase a new or used motorcycle, it is important that you carefully consider all of your insurance needs. A motorcycle insurance policy can protect you in several ways. 

Gives Necessary Liability Protection

One way that a motorcycle insurance policy can protect someone in Alabama is by providing them with liability coverage. While riding a motorcycle is generally a safe activity, there is always a chance that there could be an accident. If you are found to be at fault for the accident, it will be up to you to pay restitution for damages. A motorcycle insurance policy will cover you for liability in these situations.

Provides Protection for Motorcycle

While motorcycle insurance gives liability protection, it can also provide you with coverage for your asset. When you buy a motorcycle, you are going to be making an investment as well. If you are in an accident, have the bike stolen, or it is damaged in any other way, you will have to spend a lot to repair or replace it. Fortunately, the motorcycle insurance policy will protect you in these situations.

For those that are in the Cullman, AL area, there are many benefits to getting motorcycle insurance. Since it can be hard to find a good policy on your own, all people in need of motorcycle insurance should contact Insurance Solutions Inc. The team of professionals at Insurance Solutions Inc. can help you to get into a policy that gives the coverage that you need to provide peace of mind and protect your prized asset. 

Top reasons to carry an umbrella policy

Many people assume because they live an ordinary life and do not engage in high-risk activities that there is no need to carry an umbrella policy. However, there are many reasons why one might need an umbrella policy that will surprise you. If you live in the Cullman, AL area and would like to learn more about umbrella coverage, set up a time to meet with an agent at Insurance Solutions Inc. today. 

Do you like to entertain regularly? 

Whenever you have guests over to your house, while it may be an enjoyable time, you are increasing the risk of one of those guests being injured. An umbrella policy will be especially important if you have a pool that you allow guests to swim in during BBQs. If you have your kids’ friends over and have a pool, this coverage will become even more critical in the event a child is injured. 

Do you have a dog? 

Even if you have the friendliest dog in the world, you never know if a situation could arise, which could cause the dog to hurt a third party. Dog bite claims are one the highest liability claims out there. Many homeowners’ policies will only offer a small limit to cover dog bites, so it is imperative to have an umbrella policy in place to protect against these events. 

Do you post on social media often? 

If you often engage on social media sites such as blogs, Facebook, and Twitter, you should consider an umbrella policy to protect you against slander claims. Slander coverage cannot be found within other primary policies, so it is vital to have an umbrella policy to act as your primary coverage. Similar to dog bite claims, slander claims could mean high attorney fees to defend yourself against the claim. 

If you are interested in speaking with an agent about an umbrella policy that fits your needs, reach out to an agent at Insurance Solutions Inc today. We proudly serve the Cullman, AL area.

The Advantages of Comprehensive Commercial Insurance

Comprehensive commercial insurance is like having a wider safety net for your business. Is it possible for something to fall outside the net? Yes, but the odds are much better when you take precautions. If you’re wondering how commercial insurance protects you in Cullman, AL, keep the following facts in mind. 

More Than the Basics 

There are certain things that business owners have to do in order to stay on the right side of the law — one of those things is purchasing insurance for your business. But the laws aren’t necessarily concerned about your livelihood, they’re concerned with mitigating major disasters. So if an employee breaks their leg on the job, you can provide workers’ compensation, so they get the services they need.

But what about if your store has to close for repairs because of a major storm? Will you be able to pay your bills when you have no source of income? Or what happens if one of your products is defective and causes injury to a customer? Will you have enough general liability protection for this? Will the customer have ongoing medical needs that you’re expected to pay for? Comprehensive commercial insurance can be customized for you, so you get the coverage you need when something happens. 

Call Insurance Solutions Inc. 

If you live and work in Cullman, AL, taking precautions is the key to keeping your business up and running no matter what happens. If you want to learn more about how comprehensive commercial insurance can cover you, Insurance Solutions Inc. can help. We take the time to learn your needs before making suggestions that fit into your short- and long-term plans alike. Calling today can be the first step toward getting a policy that won’t let you down. 

Answers to 3 of the Most Commonly Asked Questions about Boat Insurance

Your boat insurance policy covers you in the event there is damage or loss to your boat. Boat insurance typically covers the majority watercraft that has a motor, but it typically doesn’t cover watercraft without a motor, such as kayaks. For coverage on these types of personal watercrafts, residents of Cullman, AL should talk with Insurance Solutions Inc. to determine if they have limited coverage under another policy, such as their homeowner’s policy. If you are new to boat insurance, you probably have several questions, so here are the answers to the most popular asked questions about boat insurance.

Are Passengers Covered?

Yes, boat insurance will cover you as well as your passengers should there be an accident. The passengers on your boat are covered under the liability portion of your policy. However, it’s important that you verify in advance whether your policy covers water skiers that are being pulled behind your boat.

Is Theft of the Boat Covered?

A comprehensive boat insurance policy will cover the theft of your boat itself; however, the personal possessions you have on the boat may or may not be covered; it depends on your policy. For this reason, it is important that you carefully review your policy’s comprehensive coverage to determine what may not be covered. For instance, if you will be carrying fishing equipment on your boat, you may want to consider purchasing an additional rider policy to cover potential losses.

Is Engine Damage Covered?

The coverage for engine damage varies from company to company and policy to policy. Some policies may have machinery damage exclusion, while other policies may not. In some situations, it depends on the age of the motor itself, so it’s important to discuss this type of coverage with your individual insurance provider.

The exact type and amount of boat insurance needed will depend on a variety of factors, such as the value of your boat, the age of the boat and the size of the motor. To find the best coverage, it is recommended that you discuss your options with your policy provider.

To learn more information about boat insurance, residents of Cullman, AL should contact Insurance Solutions Inc.