General Insurance

I am a returning US citizen and bringing my right-hand drive UK car with me. How can I get it insured?

You can get insurance for an imported RHD vehicle, but be prepared to shop around because not all car insurance companies would be willing to cover it. It all depends on the company.

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Coverage & Claims

If I have car insurance, can I test drive a car that has no insurance?

Yes, most companies in Alabama will cover you to drive another vehicle, especially just to test drive it. You can always call your specific insurance company to find out what their coverage entails.

General Insurance

Do I have to list my spouse as a driver?

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.

Car Insurance Costs
Coverage & Claims

Will requesting roadside assistance impact premium increases in the future?

Unfortunately, using your roadside assistance is considered a claim since you are using coverage on your policy. Most insurance companies will allow you to use your roadside assistance three times.

General Insurance

How to handle car insurance when buying out of state

There are many different factors that go into calculating your insurance rate. At The Zebra, we can quote you with over 200 companies at once for your mother.

General Insurance

Does liability cover my damages caused by a windstorm?

Unfortunately, no. The damage to your car will not be covered if you only have liability insurance.

General Insurance

In Alabama, does the car insurance follow the driver or the car?

In my experience, it's always the rule that car insurance follows the vehicle not the driver. So, although the person who your daughter wasn't the owner of the vehicle, their car insurance would still apply in this situation.

Eligibility
General Insurance

Car insurance for a car I own but don't drive

Here's what I recommend: because you don't have a drivers license, don't have a driving record, and won't be using the vehicle, I would have your son get car insurance for the vehicle but I would use your bank/credit card information to pay for it. Most insurance companies will allow you to add another consenting individual's payment information to the insurance policy - as they want to be paid for the policy regardless.

General Insurance

If my Alabama registration tags expire, do I still have to carry insurance?

Alabama requires that registered vehicles must also be insured. If your registration tags expire and you want to renew them then you must have active auto insurance before the new tags will be issued.

Eligibility

Can I insure a vehicle my dad left to me in his will if the title and registration still have not been transferred to my name?

If the vehicle is your only mode of transportation then you should be able to insure it since you have an "insurable interest" in the vehicle. However, if you are involved in an accident where you are considered at fault then your father's estate could be held liable for the damage you caused.

Coverage & Claims

What covers my flood damaged car?

Mar 7, 2016 Mobile, AL
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