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.

Is Alabama a no-fault state?

All FAQs

Quick answer: No. Alabama is an at-fault (tort) state, not a no-fault state. The driver who caused the crash is responsible for the damages through their insurer, and an injured person can pursue that driver directly.

Whether a state is "no-fault" changes who pays after a crash, and Alabama answers this question differently than some neighboring states.

Is Alabama a no-fault state?

No. Alabama is an at-fault (tort) state, not a no-fault state. The driver who caused a crash is responsible for the damages through their insurer, and an injured person can pursue that driver directly.

How does Alabama's classification compare to true no-fault states?

The Alabama Department of Insurance lists Alabama among its tort states, distinct from states that require personal injury protection (PIP) or use true no-fault rules, where each driver's own insurer pays regardless of fault, up to a point.

What does this mean in practice after a crash?

Because Alabama is at-fault, the at-fault driver's liability limits determine how much is available to pay an injured party's claim. If those limits are exhausted, or the at-fault driver has no insurance at all, the injured driver's own uninsured or underinsured motorist coverage becomes central to getting paid.

What should I confirm on my own policy?

Since Alabama's system relies heavily on liability limits and your own UM coverage, a coverage review can confirm both are set appropriately. See Alabama auto insurance for more.