Alabama Motorcycle Laws: What You Need to Know

Motorcyclists love the area around Cullman, AL for its beautiful, scenic roads. The experts at Insurance Solutions Inc. want all of our neighbors to enjoy safe and legal riding on our shared roads. Before you start out on your 2-wheeled adventure, get familiar with the requirements for motorcycle drivers in the state of Alabama.

  • Drivers over the age of 16 are not required to have a specialized license while operating a motorcycle. A regular driver’s license grants riders the ability to use motorcycles as well. A class M designation is available for those who want to officially verify their skills or plan on driving on out-of-state roads.
  • All motorcycles must be registered with the Alabama DMV. An active motorcycle insurance policy is required to complete registration. The minimum required coverage is $25,000 per person for bodily injury and $25,000 for property damage. Riders may opt to establish self-insurance with a $50,000 cash bond in lieu of a traditional policy.
  • All riders are required to wear helmets. The headgear must have a shatter-proof outer shell that also resists penetration and reduces impact. Shoes must also be worn throughout the entire ride.
  • Street-legal machines must have at least one mirror and handlebars no more than 15 inches above the seat. Modulating headlights are encouraged to increase your visibility to other drivers.
  • Alabama is a no-fault state. When an accident occurs, the party responsible for causing it must pay for all damages. This makes a comprehensive motorcycle insurance policy a necessity.

Insurance Solutions Inc. offers motorcycle coverage for residents in the Cullman, AL area. Contact our specialists now to customize your policy.

What is Typically Covered by Classic Car Insurance?

Classic Car Insurance is specifically made for car collectors to protect their vintage vehicles. This type of coverage may apply from original Ford Model T’s to Mustangs from the 1990’s. If you want to protect your precious collectible car, consider consulting with Insurance Solutions Inc. for a great deal.

Classic car insurance covers the basic like any other car insurance. This may include collision, comprehensive, liability, and medical bills. Food and lodging bills may also be included in the event that your car breaks down on the highway. Just like a regular car, you are obligated to have insurance in Cullman, AL.

Roadside assistance is a feature that is unique to most classic car insurance plans. If you need help transporting your car, a truck will be dispatched to prevent damaging your delicate classic car.

Since classic cars are often on display or at events, coverage may be applied when it is used by someone else. Even if dealerships display your classic car at a show, coverage will still apply. There is also the option of liability coverage when your car is at an exhibit, meaning that it covers lawsuits from accidents from your exhibit area.

Keep in mind, many insurance providers will only want to ensure cars that have limited usage. It is not unusual for yearly travel distances to be capped out at under 10,000 miles in order for coverage to be applied. This means that you are discouraged from using your car as a regular transport or for long-distance trips.

If you want to protect your investment, then classic car insurance is your ideal option. Keep in mind that not all classic insurance plans are created equally, which is why you need to shop around in your area. If you are in Cullman, AL, a good place to start is Insurance Solutions Inc.

Does ATV Insurance Cover Water Damage?

Your ATV is an expensive piece of machinery and keeping it in good shape and safe from damage is just one of your many priorities. That being said, it is important to know just what your ATV insurance policy covers and what it does not so that you can find the right coverage for your particular machine. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you find the policy that works for you.

For the most part, your ATV policy is going to cover a wide range of things. From damage to accidents to personal injury, your policy is going to help keep you and your ATV safe from just about anything you can imagine. That being said, there are some things that your policy is not going to cover. Damages that are intentional are not covered as are damages that are the result of negligence on the part of the operator.

This means you cannot drive your ATV through high water and damage the engine then expect your insurance policy to pay out. It is important that you take the time to see just what your policy covers before you go out so that you can be sure your ATV is fully covered and protected. In most cases, water damage from things like flooding is going to be covered without issue and if your ATV Is driven into a body of water, for example, it would also be covered.

If you ever have any doubts about what your policy covers, you should take the time to truly look at your policy and to speak with an agent to see what your particular policy covers. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help.

Who Should Purchase Umbrella Insurance?

Perhaps you are in the market for umbrella insurance, or you don’t fully understand what umbrella insurance covers? Umbrella insurance is designed to cover. Umbrella insurance is designed to provide extra liability protection that exceeds the amount of your average liability insurance.

Is Umbrella Insurance Right For You?

If you own a business or you have a circumstance that leaves you vulnerable to considerable loss as a result of your actions or location, then umbrella insurance may be right for you. If you would like an extra layer of insurance protection if you feel you stand to have a greater chance of personal loss exceeding your current liability coverage, you can help protect yourself from damages during a covered event.

Protect Yourself

It is important to get the right protection for occurrences such as false arrest, damage to rental properties, liable, and more. Getting this type of coverage is one of the most effective ways to prevent gaps in your coverage that homeowners’ and a auto don’t cover. If you live in or around Cullman, AL, Insurance Solutions Inc. has the answers you need.

If you are worried about the limits of your liability coverage or feel you could benefit from an extra layer of protection, then you should get more information about how umbrella insurance can provide peace of mind. If you need assistance with your search for umbrella insurance and live in or around Cullman, AL, Insurance Solutions Inc. can help you select a policy that fits your individual needs and can help prevent future financial losses due to a covered event. Call or stop by today to speak with one of our knowledgeable representatives.

Avoiding Workers Compensation Coverage is a Fatal Mistake

For small businesses in Cullman, AL and elsewhere, getting started may seem like the majority of work, time and energy. However, what is really the highest risk and area where a small business can be wiped out is the sudden financial hit. And the most common way that can occur is not a failed contract or lost sales, it’s with a lawsuit for an injured employee, according to the experts at Insurance Solutions Inc.

Businesses are already required by law in Cullman, AL and elsewhere to provide workers compensation coverage for their employees. This is to ensure that a worker who gets injured in the course of doing his or her duties can be immediately addressed and medically helped without worrying about the cost of the related healthcare. However, many small businesses start off with only a few staff, oftentimes part-time employees, and assume that the cost of a workers compensation plan is a waste of money. While it is an expense, it really should be seen as a critical safety net. All it takes is one mistake and a physical injury, and the small business is then walloped with a million-dollar lawsuit. Remember, there is no real cap on the cost an injury lawsuit in many jurisdictions. So, an injury that may only cost $100,000 in medical bills may cost another $900,000 in pain and suffering without limitations except from the court. Most small businesses would break under such a sudden cost, and the demand for payment after judgment is immediate. There is no payment plan approach to rely on for a break.

The staff at Insurance Solutions Inc. are ready to help. Their expertise is particularly applicable for small businesses and matching policies available to the size, scope, industry and budget of a client. Give them a call today for more help. Don’t wait for an accident to happen; it’s too late then.


Does Classic Car Insurance Allow You To Drive on the Road?

Classic cars are great and for the most part your insurance policy is meant to protect your car and you as well as the other driver should you get into an accident. For those that have a typical auto policy, this is going to be fairly straight forward. For those that have a classic car, you may have a bit more to consider in order to make sure that your car is fully covered. For those that live in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you to find the policy that is going to best protect your car no matter what.

Classic car insurance is something that is not required if you do not intend to drive it on the road. If you are going to drive your car on the road, however, you are going to need to have some sort of policy to keep you legal and to make it possible to drive on the road. Classic car insurance does allow you to drive on the road but depending on the individual tax laws in your state, you may have a restriction on when you can drive on the road in your classic car. For the most part, you cannot drive your classic car every day on the road because you do not pay taxes on a classic car.

This means that for the most part you are going to be limited to one day or less that you can spend on the road. In many areas, classic cars are only allowed to be driven on the road on Sundays to prevent those that do have classic cars from benefiting from road taxes that they do not pay. For those that live in the Cullman, AL area, the agents with Insurance Solutions Inc. can help.  

Does Motorcycle Insurance Cover Medical and Legal Costs?

Motorcycle insurance is a great thing to have for anyone that has a motorcycle and wants to be safe while driving. That being said, there are tons of things that motorcycle insurance covers that you may not be completely aware of. For those that do have a motorcycle and want to be safe when they are driving, a motorcycle policy is going to be the best thing you can do to protect yourself. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you find the perfect policy for your needs.

So, motorcycle insurance covers a wide range of things and one of them is the medical costs that you are going to incur when recovering from an accident. This means that you are going to be able to get some help with your medical costs if you have a policy in place. This does not mean that it will pay all your bills, but rather the amount that you have listed in liability on your policy. In most cases, this means about $10,000 in coverage for those that do end up needing to use the policy.

A motorcycle policy is also going to help cover things like the medical bills of other drivers that are in an accident with you. If you need more coverage or more money to help cover your medical bills, you can always go after the other driver and their car policy to help cover the costs that are left over after your policy pays out. For those that live in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you to find the policy that is going to work best for you and for your individual needs and bike.  

Tips for Winter Storage of Your Classic Car

First and foremost, choose a dry, dark location for storage. Concrete floors work best for keeping away moisture, so a locked garage will serve well for both winterizing and keeping your car safe from burglars.

Second, wash and wax the car before storing it for the winter because removing plastic covers or tarp can lead to unnecessary scratches on the paint.  A clean car will help avoid these complications.

Fill the tank with fuel so as to keep away air which could lead to fuel contamination and moisture.  Run the motor a few times before storage to get the gas flowing to the carburetor and fuel injectors.

Change the oil before winter storage as this will also cut back on engine contaminants during the hibernation season.

Check the antifreeze level, especially in brutal climates.

Add air to the tires as they tend to deflate when not actively used.

If storing your car offsite, don’t forget to give the offsite location to your insurance carrier.  This may be a requirement of your policy.  Be sure to check policy requirements.

To avoid insects and animal life away from the car, be sure to close all the windows and seal openings like air cleaner and tailpipes with a plastic bag.

Unhook the car battery and place the vehicle on jack stands.

Taking simple precautions can go a long way to safe hibernation of your classic car.  Insurance Solutions Inc. serving Cullman, AL is at your service for all your car insurance needs.  Pick up the phone and get covered in order to be ready to hit the road come spring.



Tips for Customizing Your Motorcycle Insurance

Being a motorcycle enthusiast in Cullman, AL, there are plenty of reasons to be concerned about your bike. Besides the legal requirements for insurance, you want to make sure your baby is protected. Here at Insurance Solutions Inc., we understand those concerns, so here are a few tips to customize your motorcycle insurance and make sure you’re fully covered.

Know the Value of Your Bike

It’s not uncommon for owners who love their bikes to add a few custom touches. Unlike with cars, this can pretty easily change the value of the bike. Standard insurance policies will use Kelly Blue Book and similar methods to assign a value to your bike. They’ll often come up short of the full value, so you want to make sure your policy really covers the value of the bike. Many insurers offer custom coverage packages that are designed for custom parts, equipment and accessories to compensate for any discrepancies.

Consider Add-Ons

Standard coverage will include collision, medical payments, and personal injury liability insurance. You can also easily extend that coverage to apply to collisions that are your fault. That still runs short of what you might need. Comprehensive insurance protections your from theft and sources of damage that aren’t collisions. Trip interruption can pay for food and lodging if you have an incident away from home. Trailer coverage is great if you use one, and roadside assistance is just as viable for a bike as a car.

Lay-up Periods

It’s not entirely uncommon for a biker to leave their beloved motorcycle in the garage for a full season, even in Cullman, AL. If this applies to you, consider a lay-up period with your insurance. During this period, you can still be covered by your comprehensive plan, but you can drop payments for collision and other threats that only exist on the road. It’s a great way to save money.

Talk with your Insurance Solutions Inc. agent and see what other ways you can improve your coverage and save money.

Choosing a Home Base for Full Time RVers

Fulltime RV’ers tend to enjoy numerous advantages in Cullman, AL compared to the sizable house-bound population. As a full-time RV’er, you get the opportunity to travel and enjoy the sceneries, meet new and exciting friends, and relish new experiences. The most significant advantage of being a full-time RV’er is that you get to choose where you want to declare home. However, with a rigid legal system which assumes that people can only be stationary in their places of residence, selecting a home as a full-time RV’er is always a big challenge. Below are some factors you should consider when choosing your home base.

State Income Tax

This should be your number one consideration when selecting a home base. As a full-time RVer, you have some form of income. Some states will exempt tax on some types of income such as retirement income. However, the majority of state tax income in different states including Cullman, AL range between 3.0% and 13.3%. However, a no-income-tax state may cost you a bit higher when it comes to insurance premiums for your RV.

Consider Insurance

All the insurance including life, health, vehicle, and RV rates are usually based on your state of domicile. Insurance companies such as Insurance Solutions Inc. determine the insurance rates through complicated mathematical calculations based on many factors. All the insurance types can be adversely affected by the address you choose. Before you choose a state, be sure to compare the insurance rates and especially the health insurance rates.

Property Taxes and Vehicle Registration

Just like income tax, property tax tends to vary from state to state, and it can be an uphill task trying to compare the rates from different states. However, some states don’t charge personal property taxes. The personal property tax can be charged based on the value of your Recreational Vehicle or your tow vehicle.

Do you want to learn more about full-time RV’ing? Contact Insurance Solutions Inc. today for further details.