Can I keep the check my auto insurance provider gave me to cover repairs done on my vehicle here in Alabama?

Jonas

Decatur, AL

It is perfectly legal for you to keep the check given by your auto insurance provider there in Alabama, even if its purpose is to have the damages to your car repaired. However, if you have an outstanding equity loan on your vehicle this is not advisable. Your auto insurance provider might consider this a breach in your agreement and they will have all the right to either reduce the amount of coverage on your insured vehicle, or terminate your auto insurance policy all together. Also, some auto insurance providers would issue the check directly to the body or repair shop where your car was brought in to be fixed, if your car is on equity or on loan.

Even though there is no law against keeping the check, you do want to make sure you get the damages on your vehicle repaired. It would be very unwise to get that vehicle into another accident or collision since your auto insurance provider would have reduced your coverage (for not using the check issued to get the car fixed properly). This might also complicate filing additional auto insurance claims in the future since it will be very hard for the claims adjuster to determine which damages were from the actual collision, and which damages were caused by the prior accident where you kept the check. It is highly recommended to use that check you got for its original intent.

Tags: advice, auto insurance, auto insurance claims, auto insurance policy, car

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Please correct me if I am wrong in saying that the auto insurance company will pay for everything in case I’ll be in an auto accident. Also, could you give me one great advice on how to reduce my auto insurance payment here in Alabama?

Larry

Tanner-Williams, AL

It would be great if your auto insurance company in Alabama would pay for everything in case you get involved in an auto accident. But unfortunately, that is not the case because there are some things that you would have to cover out of your own pocket in an accident even though you have auto insurance coverage. The first on the list would be the deductibles which is the amount that you have approved to pay out from your own pocket before your auto insurance covers for the rest. Then, there can also be exclusions on your auto insurance policy like property damage that you have deliberately caused to other people. Also, you need to cover any payments for which you are accountable that go beyond the limits of your auto insurance coverage you are eligible to get under your policy.

One great advice that I can give you to reduce your auto insurance payment is that you have to shop around for your coverage. Auto insurance rates for the exact same coverage on the same vehicle could differ greatly among auto insurance companies. The perfect opportunity to seek other options is when your coverage is about to expire, but of course, you could shop and switch insurance companies anytime you’d like.

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What’s the best way to save on car insurance expenses if you have teenage drivers? My kids just got their driver’s license here in Alabama and I don’t know how this will affect our rates.

Jemal

Montgomery, AL

Congratulations on your kids passing their driving tests and getting their first, real touch of independence, their Driver’s License. Now comes the hard part, how to keep your auto insurance costs in check while making sure that your teenagers are adequately protected while on the road. It is a known fact that teenagers, once added to their parents auto insurance policy, will cause the said policies rates to significantly increase. If you are not aware why, teenagers are considered by auto insurance providers to be “High-Risk” drivers, getting involved in more car accidents as compared to more mature drivers wh have more experience on the road.

Here’s the good news, there are ways to offset the costs the added costs of teenagers on your insurance rates there in Alabama, here’s a few tips:

1. Good Student Discounts
Now is a great time to encourage your kids to study better, most insurance companies provide Good Student Discounts for students who are performing academically well (at least an Average of B).

2. Defensive Driving Lessons
Did you know that taking accredited defensive driving lessons will qualify you for additional discounts towards your insurance premiums? It also has the added perk of teaching you the skills to become safer and responsible drivers.

3. Get A Higher Deductible
You may choose to get a higher deductible on your insurance coverage to lower your regular insurance premium, and offset the costs of teenage drivers on your car insurance.

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My cousin who moved from another state was required to get something like SR22 insurance here in 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 SR22 auto insurance in a different state and moved to 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.

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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 “canceled 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.

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