Tag: auto insurance

Alabama is one of the states that requires only minimum liability when you purchase auto insurance. The insurance is split into three types, usually referred to as 25/50/25, which means $25,000 for bodily injury per person, a maximum of $50,000 for total bodily injury, and $25,000 for property damage. While this may seem like a substantial amount, with rising costs, it’s worth considering whether it’s truly sufficient. Even if you purchase comprehensive and collision coverages, it’s important to scrutinize the amount of liability you buy. You may want to speak with an insurance agent at the Larry Burkman Agency in Huntsville, AL about increasing it.

There’s Coverage, and Then There’s Better Coverage

You may be able to meet the legal requirements to drive with only the minimum liability insurance coverage. You may also decide to buy additional coverage, such as comprehensive, to ensure you’re covered in other types of accidents and events involving your car. But it’s not just the type of coverage that will help protect you; it’s the amount. And that minimum 25/50/25 may not be enough.

Costs are rising, including those for car repair, car rental, medical expenses, and more. If you really want to be sure you’re covered, you need to ensure the amounts you buy are enough. It’s difficult to predict precisely what you may encounter in terms of bills, so arranging for coverage that’s as high as you can afford is better than going with the legal minimum. You may be a careful driver, but ensuring you have coverage for the unthinkable will give you more assurance.

The Larry Burkman Agency in Huntsville, AL can help you customize your auto insurance coverage so that your premiums are affordable while your coverage is also as high as it can be. Contact us to arrange for an appointment.

Whether you’re aware of it or not, technology has always been involved in transforming the auto insurance industry. Most consumers are only concerned with getting the best rates and coverage and don’t pay much attention to these technological advancements. Here is an overview of how technology is transforming the auto insurance industry, whether you’re a Huntsville, AL resident or not.

The Convenience of Mobile Apps

One technological convenience that more and more auto insurance agencies are making available for their customers is the ability to manage their accounts via their cellular devices. Not only can customers use their cellular phones to access their accounts, but they can do so via their auto insurance provider’s mobile app. Mobile apps not only offer immense convenience to customers, but they also provide the ability to quickly file claims, customize your account, make payments, etc.

The Emergence of AI

Artificial intelligence is becoming increasingly useful in all types of industries, including auto insurance. AI can assist customers when actual agents aren’t available. This can be useful, especially for those who require immediate assistance with an issue. AI can also assist with accurately analyzing damage via photos, which can provide payment estimates and more. Furthermore, AI can make predictions regarding possible fraud by carefully and thoroughly analyzing usage trends, etc. This valuable tool could potentially save consumers and insurance providers billions of dollars.

The auto insurance industry will continue to make astounding transformations. If you’re a Huntsville, AL resident and you’re seeking a new auto insurance company, you should consider Larry Burkman Agency. We at Larry Burkman Agency provide coverage for the Huntsville area and beyond, and we pride ourselves on providing the best coverage and customer service. Contact us today for a quote.