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.

Do I need uninsured motorist coverage in Alabama?

All FAQs

Quick answer: Uninsured motorist (UM) coverage must be offered on every Alabama auto policy and stays on it unless you reject it in writing (Code of Alabama Section 32-7-23). About 14.2 percent of Alabama drivers were uninsured in 2022, which is why most drivers keep it.

Alabama treats uninsured motorist coverage differently than most optional add-ons, and the state's own accident numbers explain why.

Is uninsured motorist coverage automatic?

Yes. It must be offered on every Alabama auto policy and stays on the policy unless the named insured rejects it in writing, under Code of Alabama Section 32-7-23.

Why does Alabama build this in by default?

An estimated 14.2 percent of Alabama drivers were uninsured in 2022. On top of that, Alabama's contributory-negligence rule can bar an injured driver from recovering anything from an at-fault driver if the injured driver is found even slightly at fault, which makes the at-fault driver's own coverage a less certain path to being paid.

How does Alabama's minimum liability limit affect UM protection?

Alabama's minimum auto liability limits are 25/50/25 - $25,000 per person and $50,000 per accident for bodily injury, $25,000 for property damage. An at-fault driver carrying only that minimum can still leave a badly injured victim with tens of thousands of dollars in unpaid medical bills, since a single hospital stay routinely exceeds $25,000. UM coverage on your own policy is what closes that gap, whether the at-fault driver has no insurance at all or simply not enough.

For example, a driver on I-65 near Birmingham is hit by another driver carrying only Alabama's $25,000 minimum. Medical bills reach $60,000. Without UM, the injured driver is left pursuing the other driver personally for the $35,000 shortfall - a claim UM coverage would have paid directly, without a lawsuit.

What happens if I reject it?

A driver who rejects UM coverage in writing and is later hit by an uninsured driver has no UM policy to fall back on, only whatever the uninsured driver can personally pay, which is often little or nothing.

What should I check on my policy?

A coverage review can confirm whether UM coverage is active on your policy and at what limit. See Alabama auto insurance for more.