Reader’s Question:

My husband usually drives home late and sometimes drunk here in Birmingham, Alabama. And if he had an accident—the cause or victim, what should be the proper way to deal with it?

Liz

Birmingham, AL

Frankly speaking, drunk driving is difficult to deal with. In Birmingham, Alabama, anybody who has been irresponsible enough driving under the influences of any alcohol and drugs is called negligence. With these circumstances you need the aid of a legal representative.

Usually, right after the accident of a drunk driver, the drunk driver’s insurance company may aim to lower the settlement and of course as a standard operating procedure, you should not give them any information or sign anything. You contact your car insurance and request a lawyer. You may be able to get the best settlement but if you are the most unfortunate driver and had had more several accident you will be having difficulty in availing a Car Insurance next time for you are an irresponsible driver. And if you are the victim of drunk driving you can mend your injuries due to the actions of a negligent driver. The most important concern is to put the victim in its usual state. The victim of drunk driving is allowed to get punitive damages together with the other damages endured. The insurance lawyers will be able to assist you financially for mending your injuries. But you can only have insurance lawyers if you have a Car Insurance.

Tags: car insurance

Reader’s Question:

Hi, we live here in Tanner-Williams, Alabama and I just want to know if the car insurance rates between rural communities and the cities are the same. Also, could you give some suggestions on how can we be able to save some money on our auto insurance?

Nikko

Tanner-Williams, AL

The costs of car insurance in the rural communities and the cities are not the same. The rural communities would have lower car insurance rates than the cities. The reason behind it is that the cities have more populated, thus have more vehicles causing traffic congestion. Also, the cities have higher rates for theft concerning automobiles.

Regarding your car insurance in Tanner-Williams, Alabama, I’m sure there a lot of ways for you to be able save some money. You may want to ask about some discounts such as insuring more than one vehicle, having no accidents for a certain period of time, having safety features on your car, completion of driver-training courses, being a long-time or loyal customer, etc. You may also opt to purchase your car and home insurance policies from the same insurance company because you may be eligible for a multiline discount. Lastly, maintain a good credit would also help you a lot in saving for your car insurance. The use of credit ratings in determining the car insurance rates differ by state and insurance provider, but statistics show that motorists with great credit report tend to have less accident.

Tags: car insurance, car insurance rate, cheaper auto insurance

Reader’s Question:

I have never experienced being in an accident so I don’t know how to file a claim. What do I need to know in filing a claim on my auto insurance here in Mobile, Alabama?

Tera

Mobile, AL

We know that every motorist is required by law to have some kind of vehicle insurance to give protection for the interest and well being of the motorist. Auto insurance policies vary with every company and every policyholder as does the same way the insurance claims are filed. To file an auto insurance claim may be stressful and even a struggle but well worth it especially if huge damage has been done. Most car insurance claims are those that deal with damage and not personal injury. Regardless of the kind of injury or who was at fault, auto insurance claims boils down to proof.

In case you get into an accident, you need to know the factors that are considered as sources of proof for you to be able to file a claim for your auto insurance on Mobile, Alabama. Things such as statements of the witnesses, what is told to the auto insurance company, the police report and physical damage of the vehicle and the scene are likely the sources of proof. You may be advised to have with you a disposable camera, a pad and pen in the glove compartment of your vehicle in case an accident happens.

Tags: advice, auto insurance, auto insurance claims

Reader’s Question:

What should I look for in an insurance company when trying to purchase a policy for my auto insurance here Hoover, Alabama?

Matt

Hoover, AL

To be able to have the best policy for your auto insurance in Hoover, Alabama, you need to make sure that you look around for several quotes from different auto insurance companies. But along with shopping around, you need to be careful about some things. First of all, the auto insurance company should be reputable and have already established a good name in the industry. You can do a little research about how the insurance company handles their claims. There are several ways to handle a claim and some people often fail to educate themselves about how the insurance company process their claims until they need to file it.

An insurance agent could be able to help you find answers on queries you might have about a certain auto insurance company. You need to listen to the agent that you are speaking with. Find out if the insurance agent sounds trustworthy or if he/she seems like trying to hide something. Also, be sure that the auto insurance company is financially stable and could actually pay should you have to file a claim.

Tags: auto insurance, auto insurance company, auto insurance policy

Reader’s Question:

I was told that getting comprehensive auto insurance would cost me more than getting just the minimum liability coverage. Before I buy auto insurance here in Decatur, Alabama, let me ask, what is the difference between these two types of coverage?

Flynn

Decatur, AL

The comprehensive auto insurance is a well-rounded type of auto insurance that offers every type of insurance options, for all types of vehicle insurance occurrences. Unlike the auto liability coverage, you will be covered by your comprehensive auto insurance in Decatur, Alabama even if you were at-fault during the accident. If the accident was your fault, the auto insurance provider would pay for the other motorist’s needs and also yours. However, the auto insurance provider has control over some facets of any claim you will make. For instance, you could consider that you paid $10,000 for you vehicle six months ago, and you think its value now is $9000.

The auto insurance provider could see it another way if you have to replace your automobile. They could calculate that the value of your car is only $5000. Furthermore, you could think that you still be in debt for $7000 for finance payments but your insurer will tell you that you paid more for your vehicle, when you should have paid less. Auto insurance providers wouldn’t usually pay over the ‘book’ value, no matter what you think your vehicle is worth.

Tags: auto insurance, auto liability insurance, comprehensive insurance coverage

Reader’s Question:

What are the things that an insurance agent will ask me if I get a car insurance for my business here in Huntsville, Alabama?

Darlene

Huntsville, AL

If you analyze what’s in a business and personal car insurance policy, you will see that there’s not much of a difference between the two. But you certainly must have to understand that these insurance policies have quite a few technical features that are unique from each other. If you have difficulty figuring out the differences between the two auto insurance policies, you can let an insurance agent in Huntsville, Alabama explain them to you. The insurance agent will help you decide if what you really need is a business policy.

There are several questions that would be asked about the automobile for your business. Some of these questions include:

-What will the car be used for;
-Will any of the employees drive the car; and
-Do you plan to use the car for both business and pleasure?

If you inform the insurance agent that you’re going to get double duty out of your car by using it for both pleasure and business, the coverage for both types of car insurance would be the same.

Tags: car, car insurance

Reader’s Question:

My brother said that he would appeal for his DUI case here in Tuscaloosa, Alabama? How would he do that and does that mean that there would have a retrial?

Kaitlin

Tuscaloosa, AL

Maybe your brother wants to remove his DUI conviction in Tuscaloosa, Alabama from his record or maybe contest for a lesser sentence that’s why he wants to appeal for his case. That doesn’t mean a retrial but like a sheer re-examination of the proceedings to make sure that the trial was carried out properly. To appeal for his DUI, he would have to hire a DUI lawyer with a good reputation. Then he may speak with the judge who presided on the DUI case to seek for a new trial. This would be very unlikely but it’s the start of the appeal process.

Your brother should also have to file for the appeal quickly. Depending on the state law, he may have 10 to 30 days to file for a notice of appeal. But remember that if he has taken a plea bargain, he may have waived any rights for an appeal if the case did not go to trial. Make sure that his lawyer is on top of his case by obtaining copies of all briefs and forms filed with the court. Whatever the result of his appeal, he has to think about working with a group such as the National Council on Alcoholism.

Tags: advice, DUI, DUI conviction, DUI lawyer, DUI trial

Reader’s Question:

I was hoping I could find lower rate car insurance policy here in Montgomery, Alabama. How do you think I can compare auto insurance policies from different companies?

Apple

Montgomery, AL

Auto insurance policies have a lot of terms and coverage options. You have to have a dash of financial and legal knowledge to select a policy that is suitable for your needs. Most auto insurance agents are willing to provide you information about multiple options and quotes for possible coverage. However, they want you to purchase a policy from them, so shop around and get information from different agents.

You can consider the brand name of the company while comparing auto insurance quotes in Montgomery, Alabama. A company that has a good reputation in the marketplace makes them dependable and credible and that would help you when making claims. You can also check the deductible when reviewing the auto insurance quotes. Higher deductibles typically mean lower insurance premium rates on your auto insurance. You can opt to have a policy based on lower rates and higher deductibles or higher rates and lower deductibles, which depends on the type of auto insurance you want.

Tags: auto insurance, car insurance policy, car insurance rate

Reader’s Question:

My cousin who moved from another state was required to get something like SR22 insurance here in Dothan, Alabama. Why is this required and what does this have to do with his auto insurance?

Candy

Dothan, AL

The SR22 auto insurance is a form that is compelled by the court as a proof of financial responsibility for people who are convicted of certain traffic offenses such as DUI. The SR22 should be filed by the car insurance carrier and this states that a certain person has an auto liability insurance. An SR22 is needed if insurance is given to a person who got into an accident or if the person has a conviction for a traffic violation and was not able to show financial responsibility. Every state, however, has different requirements to be able to get the SR22 auto insurance.

If your cousin has an SR22 auto insurance in a different state and moved in Dothan, Alabama or was required to get it in Alabama, he should accomplish the SR22 filing period on his previous state, even though he is no longer residing there. Moreover, his auto insurance policy in the state of Alabama should have liability limits that meet the required minimums by law in his previous state.

Tags: auto insurance, DUI, SR22 insurance