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

Reader’s Question:

Would there be a car insurance company willing to provide me coverage for the same rates after my DUI charge here in Birmingham, Alabama? I heard a lot of stories about some people who got DUI that they really had a hard time getting insured.

Freya

Birmingham, AL

I have to be honest with you that you would have a hard time finding a car insurance company that will give you coverage for the same rates that you have now after being charged with DUI in Birmingham, Alabama. Since the case is still ongoing and you’re not convicted for DUI, you may opt not to inform your current car insurance company about it. But if you get convicted for DUI, it can’t be missed because you would have to request an SR22 insurance from them. You wouldn’t have to make up story but rather present yourself as a sober person willing to change.

You may want to join a rehabilitation course and try to get rid of your drinking habit. If you produce a rehab certificate, this could encourage the insurance company to give you the SR22 insurance coverage. Also, you have to refrain from being a designated driver when with colleagues or friends while visiting a bar or a night club. This would be most helpful in avoiding a second DUI as prevention is still better than cure. Lastly, don’t exhaust all your efforts finding the right car insurance elsewhere because I believe you can find it right from this website so get an online rate quote now.

Tags: car insurance, car insurance quotes, DUI, SR22 insurance

Reader’s Question:

I think a friend of mine here in Mobile, Alabama has a drinking problem and it could also turn out to be a drinking and driving problem because he usually drives after having some drinks. Nobody wants him to get a DUI charge, so how do you think can I make him not drive after consuming alcohol?

Danika

Mobile, AL

First of all, if your try to talk to your friend whom you think has a drinking and driving problem, keep things light and avoid arguments and accusations. You can use humor so that you can get your hands on the car keys. This would definitely keep the situation from turning ugly. You might want to sneak the keys away and if all else fails, just take the keys when your friend is not looking. He would probably just think the keys were lost and eventually give up looking.

You may also suggest your friend to attend a treatment program if his drunken driving is already a part of the pattern. The American Council on Alcoholism does offer programs across the US. You should do this when you are both sober, and remember to be a good listener if your friend wants to discuss the problem. Also, if both of you are sober and talk about the problem, you can remind him that if he gets caught drunk driving and be charged with DUI in Mobile, Alabama, he will be facing a serious charge. A DUI conviction would have harsh legal ramifications and can affect a lot of aspects in his life like being barred entry in some countries, losing job or future job opportunities and having an increased premium rates on auto insurance for so many years.

Tags: auto insurance, DUI, DUI arrest, DUI lawyer

Reader’s Question:

I got a DUI conviction here in Decatur, Alabama that, of course, I’d rather forget. I need to get car insurance after my old policy has been cancelled, what will it take to have car insurance after my DUI charge?

Hernan

Decatur, AL

I understand that you’d like to put everything behind you after your DUI conviction in Decatur, Alabama. If you do not have car insurance in the first place, there are actually no laws regulating the premiums charged to drivers convicted for DUI. If you have a DUI lawyer to fight your DUI case, you may reduce your charge in a plea bargain or even limit how long your driver’s license is suspended. If the license suspension period is short, the car insurance company would probably not know it. If you succeed through a DUI lawyer in an appeal at a later date, you can call up your car insurance company and demand being reinstated at old rates.

You can take courses in addition to those that are required after a DUI which would give you a more responsible image to car insurance companies. After a DUI case, showing your improved attitude towards safety is the only way to get on top of your car insurance worries. You also have to get quotes from multiple insurance companies and choose the one that would quickly get you the SR22 form or the so-called proof of insurance. I’m sure you’d be able to get the car insurance that you need with SR22 insurance from this website so get an online rate quote now.

Tags: car insurance, DUI, DUI lawyer, SR22 insurance

Reader’s Question:

I was told that my auto insurance company can cancel my policy once they find out I have a suspended driver’s license because of a DUI citation here in Montgomery, Alabama. Will they give me a notification or will they cancel it right away?

Valentin

Montgomery, AL

Most of the auto insurance companies could cancel a policy at any time if you have committed one of the “cancellable offense,” and one of which is losing your driving privileges due to driver’s license suspension. Having a suspended driver’s license because of your DUI citation in Montgomery, Alabama is a ground for the termination of your auto insurance policy. Your auto insurer can’t just cancel your policy once they find out about your DUI case. They would have to give you a written notice for the cancellation of your auto insurance policy.

State laws vary on the number of days that the auto insurance company should provide notice before the cancellation takes effect, but you can expect that your auto insurer would give you between 10 and 30 days notice. In the notice, the auto insurance company should tell you why it has decided to cancel your auto insurance policy. Now, if having a new insurer is your problem, that can be solved if you get an online rate quote from this website and get great deals for auto insurance in Alabama.

Tags: auto insurance, auto insurance quotes, driver’s license, DUI, DUI insurance

Reader’s Question:

If my drivers license was revoked due to DUI in TN, and after a year I was convicted of Driving on Revoked. What do I do to obtain a restricted license in Tuscaloosa Alabama?

Brenda

Tuscaloosa AL

According to the Alabama Department of Public Safety (DPS) driver license shall not be issued to any individual whose driving rights or privilege is revoked or suspended in any state.

The state of Alabama does not offer a hardship license if your drivers license has been revoked or suspended. This means you will not be given special permission to operate to and from work or to drive on the job.

So under the existing AL Code of laws a driver’s license may not be issued to any individual whose driving privilege or rights is revoked or suspended.

So currently in Alabama a hardship license is not available however you should verify with the AL legislation to check where HB 112 stands and if there is any hope of a hardship license being allowed in the near future in this state if this is where you are living. Even if the hardship license becomes available since it seems you do not have an Alabama license but one revoked in Tennessee you may still not be eligible for an Alabama license of any type, again you would have to verify with the Alabama DPS.

Tags: auto insurance, Driving without License, DUI