Montgomery, AL – (WiredPRNews.com) Snowfall isn’t usually a terribly serious concern for most Alabamans, but it may have been a problem for some during this winter season.
“While winter weather is a rarity across the southern states,” the National Weather Service wrote in a recent special weather statement, “this winter has been anything but normal.”
As a result of the higher-than-average snowfall that’s been hitting Alabama, some drivers in the state may have to file weather-related damage claims with their Alabama automobile insurance companies for the first time. And according to a consumer advisory recently released by state regulators, they have certain consumer rights that have only recently gone into effect that they may not be aware of.
Most claims stemming from at-fault accidents and moving violations mean a spike in auto insurance premiums. For the violations, premiums rise because they reflect increased risk. For the accidents, premiums rise because the policyholder has made himself or herself a more expensive client to the insurance company, since they have had to pay out on a claim.
But for claims filed over damages that were weather-related and of no fault on the part of the insured driver, some states do not allow for a rate hike to follow.
This may be the case in Alabama, where, effective this past Jan. 1, auto insurers are prohibited from canceling or non-renewing a personal auto policy simply because the holder of that policy has filed a damage claim that stemmed from a catastrophe, natural disaster, act of nature or weather-related cause.
And effective for new policies written after Feb. 1 and renewals issued after April 1, these types of incidents cannot lead to an Alabama insurer applying a premium surcharge or rate increase.
Insurers can, however, remove a claims-free discount after such a claim is filed.
Consumers should note, though, that this is only for certain types of coverage that may not be included in a barebones Alabama policy. Motorists who are unsure if they are covered for winter-related events should review their policies or contact their coverage providers directly.
To learn more about Alabama car insurance issues, readers can go to http://www.onlineautoinsurance.com/alabama/ where visitors will find informative resource pages and a free-to-use quote-comparison generator that can help jump-start the search for a quality policy.
Online Auto Insurance, LLC
8667 Haven Ave Ste 100
Rancho Cucamonga, Ca 91730
Phone: (909) 912-1855