Auto Insurance in Homewood, AL
Alabama drivers must maintain minimum auto liability insurance to comply with state laws. Your agent may recommend additional policies and endorsements, depending on your situation. Contact Servi-Express in Homewood, Alabama, to learn about your car insurance options and get a quote.
How Many Auto Insurance Claims Can I Have?
The acceptable number of auto insurance claims can vary among insurance companies and circumstances. Filing multiple claims within a short period can raise concerns for insurers. Frequent claims mean increased risk for insurers and could result in higher premiums or policy nonrenewal.
Insurers consider the severity of the claims and the policyholder’s driving history. Numerous minor claims, such as minor fender benders or windshield damage, may impact your policy less than multiple claims involving significant property damage or severe accidents.
Maintaining open communication with your insurance provider is essential. If you have a history of multiple claims, discussing the circumstances with your insurance agent will help you understand their impact on coverage and premiums. They can provide guidance on minimizing risks and assist you in making informed decisions.
How Much Car Insurance Do I Need?
The amount of auto insurance coverage you need depends on various factors, such as the value of your assets, financial situation and risk tolerance. In Alabama, it is mandatory to carry minimum liability coverage.
Auto liability insurance may help cover third-party accident-related property damage and bodily injury claims up to the policy’s limits. You may be personally responsible for the additional expenses if you cause an accident that exceeds your coverage limits.
In addition to liability coverage, it’s essential to consider other insurance, including the following:
- Collision coverage
- Comprehensive coverage
- Guaranteed asset protection (GAP) insurance
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Towing coverage
- Rental reimbursement
How Far Back Do Auto Insurance Companies Look?
To assess your insurance rates and eligibility, auto insurance companies typically evaluate your driving history spanning the past three to five years. During this review, they consider various factors such as traffic violations, accidents and claims to gain an accurate understanding of your risk profile.
Even if an event has passed the specified timeframe, certain severe violations or accidents can impact your rates and eligibility.
A clean driving record goes beyond the immediate benefits of lower insurance premiums. It establishes a positive track record that can enhance your overall insurability, making it easier to secure desirable coverage options in the future.
Contact Us
Contact Servi-Express today to compare auto insurance quotes.