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 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.

Does homeowners insurance cover flood damage?

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

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.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

What is the minimum car insurance in Alabama?

All FAQs

Quick answer: 25/50/25: $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. Uninsured motorist coverage must be offered to you and is included unless you reject it (Code of Alabama Section 32-7-23).

Alabama requires liability limits of 25/50/25, and enforces it electronically - a lapse can surface without a traffic stop. Driving uninsured is a Class C misdemeanor, with fines, reinstatement fees, and a possible six-month suspension on a repeat. The details of limits, penalties, and getting reinstated each have their own page below.

Why does each of these have its own page?

Alabama's auto-insurance rules touch several distinct questions - what the minimum limits actually cover, how the state catches a lapse, what the penalty looks like, and how long an SR-22 has to stay in force. Each is a genuinely different question a driver might be asking at a different moment, so each gets its own page rather than being buried inside a single long article.

What are the minimum limits?

Alabama's minimum liability limits are 25/50/25 under Code of Alabama Sec. 32-7-6: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. See the full breakdown of Alabama's minimum limits for what each number covers and why it may not be enough.

How does Alabama verify coverage?

Alabama has used the Online Insurance Verification System (OIVS) to check coverage electronically since the state's 2013 mandatory liability insurance law took effect. A lapse in coverage can be flagged through this system without a traffic stop or accident - registration can be affected even if a driver is never pulled over.

What is the penalty for driving uninsured?

Driving without the required insurance is a Class C misdemeanor under Sec. 32-7A-16: up to $500 for a first offense, and up to $1,000 plus a possible six-month registration suspension for a repeat. Reinstatement after a lapse-related suspension runs $200 to $400 under Sec. 32-7A-12.

What about SR-22 and uninsured motorist coverage?

A driver required to file an SR-22 must maintain it for three years under Sec. 32-7-31 - see how an SR-22 works. Uninsured motorist coverage is offered with every Alabama auto policy but may be rejected in writing under Sec. 32-7-23 - see whether to keep uninsured motorist coverage for what that decision actually means.

See how Alabama auto insurance works and Alabama insurance requirements generally. A coverage review can confirm a specific policy meets every one of these requirements.