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Auto/Boat/Motorcycle/RV Policies

Auto Insurance in Alabama

Whether you've just driven a new car off the lot or you've had your reliable ride for years, you want to make sure you have the auto insurance coverage that's right for you. At McBride Benefit Solutions, serving the Alabama area, our team of independent insurance agents will work with you one-on-one to get the coverage you need for your vehicle.

Understanding Alabama Auto Insurance

There's some vital information regarding auto insurance in the state of Alabama. First, all drivers are required to have at least the minimum amount of liability insurance. However, there are other aspects of an insurance policy that can typically include the following:

• Collision: This type of coverage will pay to repair your vehicle if it's damaged in an accident, no matter who is at fault.
• Comprehensive: Also known as "other than collision" coverage, this will protect you from damage caused by events like theft, vandalism, weather, or hitting an animal.
• Uninsured/underinsured motorists: If you're in an accident with a driver who doesn't have enough insurance to cover the damages, this type of coverage will help pay for the repairs to your vehicle.
• Medical payments: Also known as "medpay," this can help with medical bills if you or your passengers are injured in an accident.

There's no need to worry if you're not sure about what or how much coverage you need. Our team helps people from all walks of life get the right auto insurance to suit their individual needs. Whether you have one car, multiple drivers, or have a question about a specific vehicle, we're here to help and make having the right coverage as easy as possible.

Boat/Watercraft Insurance in Alabama

We can help make your time on the water relaxed and stress-free here at McBride Benefits Solutions. If you own a boat or other watercraft and live in Alabama, it is time to protect your investment and equipment. When you are not worried about the safety of yourself and others, you will enjoy your time much more.

Boat Insurance Requirements

Boat insurance is not required in Alabama. However, various lenders will require you to obtain insurance if you decide to finance or lease your boat. Additionally, marinas may require you to show proof of insurance also.

Boat Insurance Coverage

The following are all different coverage options you can choose from to protect your boat or other watercraft:

• Liability- This will provide coverage to other boat owners if you are found at fault for an accident. This will cover repair or replacement expenses for the other party, lost wages, medical care, and more.
• Medical payments- Following a boating accident will cover medical expenses for both you and your passengers, no matter who is at fault.
• Physical damage coverage- This will cover your repair or replacement expenses if your boat or anything permanently attached to your boat becomes damaged.
• Personal effects- This protects your cell phones, jewelry, clothing, sporting equipment, and others if they become damaged or stolen.
• Unattached equipment coverage- This will cover repair or replacement expenses for anything that is not permanently attached to your boat, including water skis, fire extinguishers, etc.
• Emergency assistance- This includes coverage for towing, labor, delivery of gas, and much more if any emergency were to occur while you are on the water.

Motorcycle Insurance in Alabama

Motorcycle insurance is important to have. If you own a motorcycle and live in Alabama, we can help you here at McBride Benefit Solutions. We offer various coverage options that will protect you and your investment at all times. Without the necessary protection, you can face severe penalties and fines, which can put you at significant financial risk if you must pay for damages out of your pocket following an accident. We are located in Florence, AL.

Motorcycle Insurance Requirements

Owning and riding a motorcycle comes with several responsibilities, one of the many being each owner is legally required to obtain insurance. You must also obtain the minimum liability coverage options, including:

• Bodily injury coverage for $25,000 for each person
• Bodily injury coverage for $50,000 for each accident
• Property damage coverage for $25,000

Motorcycle Insurance Coverage

You can choose from any of the following insurance coverage options to protect your motorcycle:

• Comprehensive- This will protect you if your motorcycle is damaged from storms, vandalism, theft, animals, etc. It will cover your repair or replacement expenses.
• Collision- If you get into an accident with another driver and your motorcycle sustains damage, this will cover the costs of repairing your bike.
• Uninsured/underinsured- If you get into an accident with a driver who doesn't have insurance or enough insurance and they are at fault for the accident, this will cover you and your passengers.
• Custom equipment- This would cover any aftermarket part and other equipment that was not installed originally on your motorcycle by the manufacturer if it were to become damaged.
• Roadside assistance- This will help you with things such as battery jump starts, towing, gas delivery, flat tire changes, and more.

RV Insurance in Alabama

Do you own an RV and live in Alabama? If so, we offer various coverage options here at McBride Benefit Solutions. Protecting your investment is the best way to go in the event an accident occurs. Remember that accidents can happen, and most of the time, they are unpredictable. Don't risk your financial future by choosing not to purchase insurance. Our office is located in Florence, AL.

RV Insurance Requirements

You are legally required to obtain liability insurance for your RV if you reside in Alabama, except fifth wheels, campers, and travel trailers. You will need to make sure that you at least obtain liability insurance with the minimum limits:

• $25,000 for each person and $50,000 for each accident for bodily injury liability
• $25,000 for each accident for personal property liability insurance

RV Insurance Coverage

You can also choose from any of the following insurance options to cover your RV:

• Personal liability- If you use your RV to live full-time or just for a few months of the year, this coverage can give you the exact personal liability protection you would receive from renters or homeowners' insurance.
• Vacation liability- If you only use your RV for vacationing purposes, this can provide additional liability protection if you are at fault for property damage or injuries while residing at the RV camp.
• Contents coverage- This will cover any repair or replacement expenses if your RV is lost or damaged due to an event covered by a burglary, tornado, or fire.
• Comprehensive- This will cover your repair or replacement expenses if your RV is lost or damaged while parked.
• Collision- If you are involved in an accident while on the road, this can cover your repair or replacement expenses even if you were at fault.

Call McBride Benefit Solutions for insurance In Alabama

We serve Alabama with pride. Call us today to get started with a free quote. One of our local independent insurance agents will be happy to answer your questions and help you find the right coverage.