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 happens if I drive without insurance in Alabama?

All FAQs

Quick answer: Under Alabama's Mandatory Liability Insurance Act, a first violation brings a fine up to $500 (second+ up to $1,000 plus a six-month license suspension). A vehicle without insurance can also have its registration suspended, requiring a $200 (or $400) reinstatement fee.

Alabama enforces its insurance requirement through two separate tracks, a fine and a registration consequence, and both can apply to the same violation.

What are the fines under Alabama's Mandatory Liability Insurance Act?

A first violation can bring a fine up to $500. A second or subsequent violation can bring a fine up to $1,000 and a six-month license suspension.

What happens to the vehicle's registration separately?

A vehicle registered or operated without insurance can have its registration suspended, requiring a $200 reinstatement fee for a first violation or $400 for a second or subsequent violation.

How does Alabama actually catch uninsured drivers?

Alabama checks coverage through its Online Insurance Verification System, an electronic database check, rather than a separate SR-22 filing requirement most drivers encounter after a violation elsewhere. This means a lapse can be flagged even without a traffic stop or accident.

What should I do if my coverage lapsed?

Reinstating coverage as soon as possible limits how long the registration suspension and any related fees continue to apply. A coverage review can help get compliant coverage back in place quickly. See Alabama auto insurance for more.