Auto Insurance Coverage Options for Cullman, AL Residents

As a Cullman, AL driver, there is mandatory and optional insurance coverage. Mandatory auto insurance in Cullman, AL are liability, comprehensive, and collision insurance. Here are the facts you need to know about auto insurance coverage options for Alabama residents.

Mandatory Insurance Coverage in Alabama

Liability

As a driver in Alabama, you must have bodily injury and property damage coverage. These insurance coverages fall under the category of liability insurance. Liability insurance handles the damages of an accident in which you are legally held responsible.

Comprehensive

Under Alabama law, you are also required to carry comprehensive coverage. Comprehensive coverage handles the repairs your car needs after it is involved in an accident that is non-collision related. Incidents comprehensive coverage can insure include:

  • Fire
  • Theft
  • Vandalism
  • Contract with wildlife
  • Broken glass

Collision

Collision insurance is also required in the state of Alabama. This insurance coverage is used to repair your vehicle if you are in a wreck that involves another car or an object.

Optional Auto Insurance Coverage Available in Alabama

Optional auto insurance for Alabama drivers includes uninsured/underinsured motorist, medical benefits, and family compensation.

Uninsured/Underinsured Motorist

Regardless of who is held legally responsible car accident, this insurance covers the cost of most if not all damages, including bodily injury. Uninsured/underinsured motorist coverage also covers you if the other driver does not carry enough insurance.

Medical Benefits and Family Compensation

As a residential driver of Alabama, you can choose between medical benefits coverage and family compensation, but you can’t have both policies active at one time. Medical benefits can cover reasonable medical costs and funerals for yourself and individuals who are insured on your policy. Family compensation provides confinement, medical, and death benefits for you and other insured individuals on your policy. Medical benefits and family compensation both provide coverage and benefits regardless of who is at fault.

Here at Insurance Solutions Inc., we provide auto, home, commercial, and a variety of other insurances. There’s never been a better time to get insurance. Contact us today so we can provide you with the most suitable insurance policy for your current needs. Insurance Solutions Inc is waiting to hear from you.

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.

Home Insurance and Umbrella Insurance: How They Work Together to Protect You

If you own your own home, then you likely already have a fairly comprehensive home insurance policy to keep your protected from fire, vandalism, and damage. But have you considered the threats that can happen outside of these relatively straightforward events? If you live in Cullman, AL, Insurance Solutions Inc. can tell you more about what umbrella insurance is and why you might want to have it if you own a home. 

Lawsuits and Liability 

Umbrella insurance is there for you when you reach the liability limits on your regular insurance policy. When it comes to home insurance, there’s an amount in your policy that represents how much you’ll be given in the event of a liability claim. Because claims can drag on for years, carriers have to cut off the support at some point. Every policy amount will be different, but most policies have at least one thing in common: it’s not always enough to cover a serious liability claim.

A Liability Scenario 

Let’s say that your mailman trips over a small hole that your child dug in the front yard. The mailman not only falls, but he falls in such a way that he needs multiple back surgeries and suffers from chronic pain after he’s released from the hospital. This extreme example is not as uncommon as you might think. When you’ve reached the limits on your home insurance, umbrella insurance picks up where it left off. 

Insurance Solutions Inc. can help homeowners understand how their policies can work together to give them the maximum amount of coverage. If you want to understand more about how property owners can protect their investments in Cullman, AL, give us a call today for a quote or just to review the coverage terms for our policies. 

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.

Home Insurance for a Second Home

If you are thinking about getting a second home, be sure to consult with your agent at Insurance Solutions Inc. serving Cullman, AL and the surrounding area, to make sure you have adequate insurance for your primary residence and your second home.

The things to discuss with your agent include the occupancy expected for both the second home and the original residence, whether either home will be rented out for part of the time, and what changes may need to be made to your existing home insurance coverage.

Occupancy

Insurance coverage may need to be adjusted if either home will be left vacant for an extended period. Vacant homes tend to attract more burglaries and vandalism. Talk this over with your agent because you can do things to reduce this risk, such as install an alarm system or have a caretaker watch the property when the home is vacant.

Renting Out the Home(s)

If either home will be rented out, this is considered a commercial activity. The type of insurance needed for a home that is rented out is different from standard home insurance for an owner-occupied home.

Personal Property

Be sure to take an inventory of all personal property that will be left in the home(s), especially if you plan to rent a home that is furnished or partially-furnished. Insurance coverage to protect against damage caused by a renter is different from the coverage needed for a homeowner’s personal property.

Flood Insurance

Flood insurance is a separate policy from home insurance. We are recommending considering it for all homes, due to the surprising changes in the weather patterns being caused by climate change.

Contact your agent at Insurance Solutions Inc. in Cullman, AL for a home insurance review and to get a quote for home insurance for a second home.

What Does a Comprehensive Auto Policy Cover?

In the state of Alabama, drivers are required to have at least the state-required minimum amount of liability insurance. The minimum liability required is $25,000 per person with a total of $50,000 per accident and $25,000 in property damage. Given the cost of medical services and the cost of cars, this really is a very basic amount of auto insurance. At Insurance Solutions Inc. in Cullman, AL we know that this is not enough coverage for each and every person and we sit down with our customers to determine the best coverages for their particular vehicle and financial situation. 

Comprehensive coverage is additional coverage that protects your vehicle. It is often combined with collision coverage. It is non-collision insurance. It helps you to repair your car when things happen to it that are beyond your control. It can be a deer that darts into the road in front of your car or a hail storm that leaves your car covered in dents. If your car is stolen or vandalized, it is comprehensive insurance that can help you to replace it. Glass coverage is often part of this coverage and being able to get your windshield repaired or replaced quickly without a deductible is something that almost everyone will use at one time or other. 

Auto insurance can be tailored to each individual’s needs and getting to know our clients helps us to provide them with the insurance that is just right for them. At Insurance Solution Inc. we have a team of experienced agents who will take the time to get it just right for you. Give the office of Insurance Solutions Inc. in Cullman, AL a call or stop by for a no-obligation quote. You can also use our online rating tool to get a quote before you stop by.