Basic auto insurance is the minimum the state requires to be able to drive in Alabama. It is liability only and does not offer any protection for your car. In Fort Payne, AL, Attain Insurance has a team of insurance experts who are here to help you to make the right choice when it comes to auto insurance that is right for you.
In Alabama, the basic amount of auto insurance required is 25/50/25. That is $25,000 for personal injury, $50,000 for more than one injury, and $25,000 for property damage. This may or may not be adequate coverage for you. Your coverage should reflect your assets.
If you are like most people, you depend on your vehicle to do your regular daily activities. If you are in an auto accident, you might not have the ready cash to pay for any repairs or to replace the vehicle if it is a total loss. There are types of insurance that could help if you have the coverage.
If you are responsible for an accident, a single-car accident, or a hit-and-run victim, you must pay to have your vehicle repaired. If that is a challenge, it makes sense to have collision insurance unless your car has very little value.
Comprehensive coverage for your vehicle covers just about everything but a collision. It covers theft or vandalism, deer damage from an impact, and many weather events. If a branch falls from a tree, you are covered; if hail damages your paint, it’s covered. Glass is also included, and having complete glass coverage is a good idea.
Contact Attain Insurance in Fort Payne, AL, for information about auto insurance coverage.
Your auto insurance from Attain Insurance covers damage to your vehicle and liabilities when accused of bodily injury and property damage. However, you need to understand that your auto insurance doesn’t cover all risks under the sun. Knowing your auto insurance exclusions simplifies the claim process and helps you purchase “add-ons” to boost your auto insurance policy.
Here are the common auto insurance exclusions you need to know:
Do you use your vehicle to run business errands? Your claim is likely to be ignored if your car is involved in an accident while doing business-related operations. The only way you can mitigate this risk is by upgrading your standard auto insurance to commercial.
Has your laptop been stolen from your car? Has your phone sustained damage during a car accident? Your typical auto insurance doesn’t cover loss or damage to your personal belongings. For such losses, you have to rely on your home or renters insurance. Plus, you can consider a personal items “add-on” in your car insurance to cover such risks.
Custom parts and equipment
Usually, typical auto insurance covers parts that are standard in your vehicle. For instance, if you have a built-in radio or GPS system, your insurance may repair or replace the item when calamities strike. However, custom equipment isn’t covered by your auto insurance. These include items like a detachable sound system, engine tune-ups, and custom-designed seats.
Typical car insurance won’t cover damage and injuries sustained in racing and stunting events. However, you can purchase a “rider” to cover perils associated with these car events.
Driving outside the US
Your typical car insurance ceases to operate when you leave the US borders. For instance, if you have an accident with your car in Mexico, your standard auto insurance won’t cover the damage. As such, it’s wise to talk to your insurer when you want to drive outside the country.
Car insurance in Fort Payne, AL
Looking for an affordable car insurance policy? Please get in touch with Attain Insurance, serving Fort Payne, AL and the surrounding regions.
If you are a driver in Alabama, you already know that you need to have mandatory liability insurance and other auto insurance basics. The Fort Payne, AL roads can get pretty dangerous, and if you are not adequately insured, you may end up paying large sums of money for injuries or lawsuits. In order to stay safe, Attain Insurance recommends buying adequate coverage to protect you and other road users in Alabama. Here is what you should know about auto insurance in Fort Payne, AL.
Alabama uses the ‘fault’ system
When it comes to financial responsibilities for vehicle damage and injuries, Alabama uses the ‘fault’ system to make things easier and transparent for drivers. That means if you are at fault in the event of an accident, you are responsible for any damage, loss, or injuries sustained in that accident. Depending on your agreement, third parties can:
- File claims with their insurance provider
- File a claim your insurance provider or
- File personal injury lawsuit
Liability coverage is mandatory
The state of Alabama requires all drivers to carry minimum liability coverage in the following sections:
- Property damage for an accident that you accused
- Bodily injury liability when two or more people are injured in an accident where you were at fault.
- Bodily injury liability when a person is injured in an accident that you caused.
Basic coverage pays for property damage, medical bills, and other costs. Note that when you get injured in an accident that you caused, liability coverage won’t help you. In this case, you may need to carry more coverage to protect yourself and your car.
There are penalties for driving without insurance.
If you are caught violating auto insurance laws, particularly the Alabama mandatory Liability insurance law, you could face penalties amounting to hundreds of dollars. Subsequent violations can lead to a more significant fine and/or license suspension.
For more details about auto insurance, reach us at Attain Insurance today!
You have auto insurance for your everyday needs, but does that still apply when traveling? What if you need to rent a car in Fort Payne, AL for business, or if you are going out of state? Trust Attain Insurance to answer all your car insurance questions, and continue reading to find the answers.
Does My Insurance Cover a Rental?
The short answer to this question is yes, as long as your insurance policy covers you to drive any car! If you are renting a car, you are still covered under your auto insurance policy, so be sure to bring your insurance information with you while you are renting your car. You will need this information if you get into an accident.
If you need to rent a car for an extended period of time, it’s a good idea to check with your insurance agent to make sure your policy will cover you for that amount of time.
Do I Need Additional Coverage?
Probably not, but you can consider it. Your car rental company may try to convince you to purchase extra rental car insurance through them, often claiming that you will not have to pay as much money if you are in an accident. If you already have thorough auto insurance, additional coverage is not necessary. If you’re not sure what your policy covers, talk to an agent at Attain Insurance today to check up on your current policy or set up a new policy.
Whether you’re just renting a car close to home near Fort Payne, AL, or you’re going on a cross country road trip, you want to make sure you have the proper coverage. Once you have your auto insurance squared away, you’ll be on your way to a great trip!
As a classic car collector in Fort Payne, AL, you love taking your beautiful cherry autos to car shows. However, you don’t have specialized classic car insurance through Attain Insurance, which is a problem that will seriously impact your life if your vehicle is damaged at a show.
Your Policy Will Pay for Auto Show Damage
During an auto show, you aren’t going to be near your vehicle at all times. You’re likely going to be exploring the floor, checking out other vehicles, and having a great time interacting with other car owners. Unfortunately, your vehicle may be damaged during this period by vandals or well-meaning viewers.
When this happens, your classic car insurance will pay for the damage under the clause known as “No Attendance Required.” This clause states that the vehicle doesn’t have to be under your control or care for your policy to protect it from damage. Make sure that your policy includes this clause to avoid serious heartache.
Medical Injuries are Also Covered
While your car is likely to stay parked during an auto show, there are times when it will be in motion. For example, there may be a moving display event outdoors or even inside that showcases your beautiful car in action. Unfortunately, these events may cause injuries in unsafe spectators.
Thankfully, your classic car insurance will pay for any injuries that your car causes in this situation. This coverage is known as “Auto Show Medical Reimbursement” and is a lot like the medical payments offered in general auto liability or homeowner’s insurance coverage.
Protect Your Car and Yourself
So if you plan on attending car shows near Fort Payne, AL or the surrounding areas, please contact us at Attain Insurance to find a classic car insurance policy that meets your needs. You’ll be glad that you took the time to make this decision.
When a teen gets close to getting their license, parents and teens usually have different feelings. While the teen is excited at the prospect of new freedom, the parents will have some concerns about making sure that their youth is safe while they are on the road. The team at Attain Insurance understands the situation and can help everyone with their new responsibilities. Their agents, working with Fort Payne, AL area families, have found that involving teens in the car insurance process helps them to understand the importance of good driving habits and the benefits to maintaining a clean driving record. As they gain more experience, they will be able to see that their rate actually gets lower over time.
When shopping for insurance, teens and their parents need to talk with their agent. In many cases, it will be cheaper for the teen to be added to the parent’s existing policy. Also ask if the insurance company offer discounts for students who maintain good grades or take a driver’s education class. If the teen is a college student, there may additional discounts related to their enrollment, grades or how often they drive. Lastly, carefully consider which vehicle the teen will be driving. As the teen will most likely be the most expensive to insure, the vehicle they drive should be the least valuable to mediate the costs.
Before a teen begins to drive, there are many questions that will need to be addressed. Families are not only concerned about safety, they are aware of the increased costs of insuring a teen driver. The agents at Attain Insurance are ready to answer the many questions during this time. They work hard for the people in the Fort Payne, AL area to ensure that they have lowest rates for the best coverage.
Your auto insurance is your protection against a different vehicle colliding with your vehicle if they would be at fault unless you would purchase additional auto insurance protection.
With this additional collision and comprehensive coverage, you would just need to find out if it would be necessary based on a couple of criteria, such as whether your vehicle is worth more than $2,000, according to the Alabama Department of Insurance, and if you would need this coverage because you have an auto loan with a lender that would require it.
If you were to decide to purchase this additional insurance with our insurance agency, Attain Insurance in Fort Payne AL, you would then have the coverage that you would need to pay for your collision with another vehicle if you were at fault for your expenses, such as any vehicle repairs for your vehicle.
Your comprehensive coverage would pay for most other types of damages to your vehicle, such as from your vehicle fire, any inclement weather damage including flooding, any vandalism that would cause permanent damage to your vehicle, or if your vehicle were stolen. You would also find that your comprehensive policy would pay for any windshield damage with your vehicle that would not be related to any collision with a different vehicle.
These two types of auto insurances would also require you to pay your deductible, also, per your usual vehicle insurance payment process. This fee would be determined by you, also.
You would just be able to contact our vehicle insurance associates at Attain Insurance in Fort Payne, AL to find out any additional information that you may need to know about our optional insurance coverage.
If you have purchased or were gifted your first car, you will need to obtain auto insurance on that vehicle. But this can be overwhelming at times. There are so many different things you need to know about auto insurance and so many companies to select from. Learning what you need to look for when buying your first auto insurance company can help guide you through the process and help you find the right policy. Here are a few of the things you need to look for as you buy your first auto insurance policy.
One of the things that you carefully need to pay attention to when buying your first auto insurance policy is the policy limits that are in place. Every state has a mandated minimum amount. However, that does not mean that that is the amount of coverage you need. A great insurance agent or broker can help you determine how much coverage you need.
Another key factor to pay attention to is what the deductible amount is on any given policy. If you are involved in an accident, the deductible amount is the amount you will have to pay out of pocket. If you don’t have a lot of money, coming up with a $1,000 deductible may be impossible. As such, you want a lower deductible that you can afford to pay. However, keep in mind, the lower the deductible, the more you will pay in auto insurance.
The last factor to keep in mind as you shop for auto insurance is the policy price. This is how much you will pay for the policy. Most policies are six to 12 months in length. Most companies will allow you to pay on a monthly basis. Always compare prices to ensure you are not overpaying for your policy.
If you are looking to obtain an auto insurance policy, let Attain Insurance in Fort Payne, AL help. We can help you find the right auto policy for your needs, regardless of whether this is your first time buying auto insurance or you’ve purchased several policies in the past. Give us a call today to get started or to obtain a free price quote.
It is normal to get upset when you feel threatened, or in danger, because another driver is doing something wrong. Sometimes that escalates and rage ensues, and even at times there is violence, especially if there is an accident. Studies show that some people are more prone to losing their temper than others, but the results of losing your temper and getting into a road rage situation can be dangerous or even deadly.
One way to try to avoid road rage situations is to just not be the aggressor. If someone wants to get past you, or is following too close, pull over and let them pass by. Give the right of way, or back off, whenever possible. Remind yourself that there is nothing to be gained from winning an argument, or from getting back at someone while driving.
Another thing to consider is your own driving habits. Are you creating problems for other drivers by following too close, weaving out of your lane, or driving too fast or too slow? Make sure you are not the problem.
A third thing you can do is to work on controlling your temper. Take deep breaths, count to 10, or just try to mentally remove yourself from a situation long enough to start thinking clearly again.
A final thing, is to consider the other driver. Realize they are most likely not doing something wrong intentionally, and they are not trying to hurt you. They may just be having a bad day, so try to give them some slack as you would hope others would do to you.
Stay calm, and call us at Assure-us for all your automotive insurance needs. Whether you are looking for insurance, or just want to make sure you have the best possible coverage, call us today.
Now that the weather is once again turning to pleasant it is a wonderful time to get out, enjoy the outdoors and get some chores done at the same time. Spending a Saturday as the car wash has never been more fun or easier than right now.
- It’s a Great Way to Get Some Exercise – Washing the car is a fantastic way to get toned and tan all for free right in your very own driveway. If you make this a regular practice you will be astounded at all of the weight you can take off by getting out there and getting active. Now you have a clean buggy to sport around your new bod.
- Keeping Your Change in Your Pocket – Car washes can cost well over twenty dollars and this is not including detailing. Think of all the money you will save by doing it yourself!
- You Can Use the Products You Approve Of – You never know what the professionals use when you take the car in for a wash. Now you can use the products you trust on your car.
- Get the Family Involved – Make this a fun activity that the whole family can enjoy. Don’t be surprised if a spontaneous water fight ensues.
Now that you’ve given yourself the best deal on a car wash, find out how to get great automobile insurance at Assure-Us, a trusted and reliable insurance agency serving all areas in and around the North Miami Beach, FL area. Visiting our website at www.assureus.us ensures you will have access to a wealth of information regarding all insurance types. Spring, the time of new beginnings is the perfect juncture to reassess all of your car, and home insurance needs.