How much can I expect to recover under my auto insurance if my car is totaled in Alabama?

It never feels as though you can be justly compensated when your car is totaled. Unfortunately, it is unlikely that you will be able to recover the purchase price of your vehicle if it is totaled. As soon as you drive off the lot, your car starts to depreciate. There are rules for how it works if your vehicle is totaled in Alabama. We at Robinson Insurance Group LLC can help you navigate the process and help get you back on the road as soon as possible.

What Does It Mean When a Car Is Totaled In Alabama?

A car is totaled when it is simply too impractical to repair it. Under Alabama law, a car is considered a total loss when the cost of the needed repairs added to the salvage value is equal to at least 75% of the car’s actual cash value. When a car has that much damage, it is reasonable to think that there are even more damages that you can find on first inspection. It is simply too expensive to fix it.

Actual Cash Value

The actual cash value of the car is how much your vehicle was worth before it was damaged. If you bought a car for $10,000 and someone totaled it on your way home, the actual cash value is probably about $9,000. Your car depreciates about 10% as soon as you drive it off the Alabama sales lot.

Schedule A Consultation Today

You may be able to recover the replacement value of your vehicle if you add new car replacement or gap insurance. If you would like to see how much protection you already have and discuss your options, please call Robinson Insurance Group today.

How Much Auto Insurance Do You Really Need?

Your auto insurance is an important protection for your financial stability. Basic coverage is required by law, but you may need additional insurance, depending on your circumstances. Robinson Insurance Group LLC can help you to find the right coverage for your unique needs. 

Each State Sets Its Minimum Requirements For Insurance

Every state determines its own financial requirements for auto insurance. The state of Alabama sets its bodily injury liability limit at $25,000 per person and $50,000 per accident. The property damage limit is set at $25,000. No other requirements are set in the state, but you may wish to add additional coverage for your needs.

Different Types of Additional Coverage Are Available

Liability insurance limits are set at a low level by law which may not necessarily be enough to cover you if you are sued. You may wish to purchase higher levels of liability insurance.

Although uninsured motorist coverage is not required in Alabama, it’s a good idea to have this coverage to pay your medical costs if an accident is caused by an uninsured motorist or someone who has insufficient insurance. Collision insurance defrays the costs of repairing your vehicle after an accident. This type of insurance is often required for leased vehicles. Personal injury coverage pays for medical costs if you or your passenger is hurt in an accident. Gap insurance helps to cover the difference between the value of your car and how much you still owe on the vehicle.

Looking for Auto Insurance?

The experienced insurance professionals at Robinson Insurance Group LLC can answer your questions about coverage to ensure you have the right policy for your unique situation. Contact us today for a no-obligation quote on auto insurance to protect you while you are on the road.

Get Your Car Ready for Summer Driving

As warm weather approaches, it’s time to get your vehicle ready for summer driving. Summers in Alabama can get very hot. At Robinson Insurance Group LLC, we want you to be aware of several items you’ll want to make sure are in order before you take off on a road trip across the country or just across town.

Get Your Car Ready for Summer Driving

Check the Tires

When the roads get warm, this can cause tires to lose rubber on the highway. Making sure there’s enough tread on your tires is important for driving as safely as possible during the summer. It’s also important to make sure your tires have enough air pressure.

Get a Tune-Up

A tune-up would normally include a detailed engine inspection. This should also include changing fuel and air filters, changing damaged or old spark plugs, and adjusting the clutch in vehicles with manual transmission. 

Make Sure the AC is Working

Freon can leak out through the winter months. This can be hard on your compressor. Some repair shops may check this out for you at little or no cost when you’re getting a tune-up. The last thing you want is your air conditioner to conk out when those warm days finally arrive!

Update Your Insurance

You’ll want to make sure you have enough auto coverage. In Alabama, there is a minimum amount of liability insurance every driver is required to have. All drivers must also have proof of auto insurance with them at all times when driving and be ready to show the information to law enforcement when it is requested. Call us at Robinson Insurance Group LLC for more information about updating your auto insurance.

What Happens If You Get Caught Driving with No Auto Insurance in Alabama?

Are you an Alabama driver and wondering what penalties will you face if you are caught driving with no auto insurance in this state? We are here to assist with all your queries.

Why We Need Auto Insurance

Your automobile is valuable and should be insured if you own it. When you drive your car, you are putting yourself and others in danger. An accident can happen at any time — regardless of how careful you are.

It is always important to have insurance protection to cover the costs associated with an accident.

What Happens If You Get Caught Driving with No Auto Insurance in Alabama?

If you are caught driving without auto insurance in Alabama, penalties you may face depend on your situation. First-time offenders may have a different outcome than people with a history of driving without insurance.

The following are potential outcomes for Alabama drivers caught on the roadways without insurance:

  1. If you have a valid driver’s license and no other outstanding traffic tickets, the police may give you a verbal warning.
  2. However, if you have any outstanding traffic tickets or a revoked driver’s license, then the police may issue you a written citation with fines ranging from $100 to $1,000.
  3. In some cases, driving with no auto insurance is considered a misdemeanor.
  4. Alabama drivers convicted of a misdemeanor driving offense because of no insurance could have their driver’s license suspended for up to six months.

The worst-case scenario could mean jail time!

Get Affordable Auto Insurance in Alabama

Don’t risk getting caught driving with no insurance in Alabama! If you need auto insurance in Alabama, contact a licensed insurance agent at Robinson Insurance Group LLC instead.

Our team of insurance experts at Robinson Insurance Group can answer your auto insurance questions and provide a customized quote.