Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

What if my insurer misses the decision deadline in Alabama?

All FAQs

Quick answer: Missing the 30-day decision deadline without a proper extension notice can be an unfair claims-settlement practice under Alabama's regulations, and a pattern of unreasonable delay can also raise bad-faith exposure. Document it and file a complaint with the Alabama Department of Insurance.

A missed decision deadline in Alabama is treated differently than a properly extended one, and the difference matters if you end up filing a complaint.

What makes a missed deadline different from a valid extension?

A valid extension requires the insurer to notify you within the original 30-day window and explain why more time is needed, under Ala. Admin. Code r. 482-1-125-.07. If that notice never comes and the deadline simply passes in silence, the insurer has missed the deadline outright, not extended it.

Is a missed deadline automatically bad faith?

Not automatically. A single missed deadline can be an unfair claims-settlement practice under Alabama's regulations, which is a regulatory issue the Department of Insurance can act on. A pattern of unreasonable delay across a claim, especially combined with a denial that lacks a factual basis, is what starts to raise bad-faith exposure under Alabama's common-law standard.

What should I do if the deadline is missed?

Document the date the deadline passed, save any communication (or the absence of it), and file a complaint with the Alabama Department of Insurance. See how to file a complaint for what to include.

What does a pattern of unreasonable delay look like?

One missed 30-day deadline, on its own, may simply be an administrative failure worth a complaint. An insurer that repeatedly misses deadlines across a single claim, sends no extension notices, and offers no explanation when asked starts to look like the kind of conduct the Alabama Department of Insurance's complaint process, and in serious cases a bad-faith claim, exists to address.