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!

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.

What’s At Risk When Your Home Insurance Lapses?

Homeowner’s insurance is a tool and service, which helps you as the homeowner protect yourself against devastating loss. Should your home experience large-scale, expensive damages such as a fire, flood or natural disaster, the insurance policy would provide money to repair or even rebuild your home. So, what’s at risk when this insurance lapses?

Your Pocketbook

First of all your own pocketbook is at risk. Home repairs for large-scale damages are not usually something that most families simply have sitting around in the budget every month. The truth is most people are not prepared financially to handle large-scale emergency expenses. Should your home experience any large-scale damage during the time of the insurance lapse, then all repairs would come out of your own pocket. This would be devastating for most families.

Legal Vulnerability

Many people do not realize that as a homeowner you are legally responsible for injuries which take place on your property. If someone were to get injured and chose to sue you as the homeowner, you would be legally liable. Your homeowner’s insurance policy insures against this as well. So even in a worst case scenario, your policy would pay any expenses incurred by someone’s injury.

Forced Insurance

Many mortgage companies require that home have an active insurance policy in place. If you allow your insurance to lapse, then the mortgage company will force place insurance on the home. In most cases, this insurance premium will be very expensive and completely out of your control. You will not be able to choose the company or shop around for the best deals. You will also not be eligible for any discounts.

The best way to protect yourself from these risks is to always make your homeowner’s insurance a priority. If you would like to discuss homeowner’s insurance call one of our friendly representatives today at Insurance Solutions Inc. serving Cullman, AL.

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.

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.