Hours 3

AL-Personal Automobile Insurance

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Lessons

AL-Personal Automobile Insurance Chapter 2

Automobile Insurance Laws Ever since the invention of the automobile, there have been laws enacted that specifically address the problems of automobile ownership or operating a motor vehicle. Local ordinances…

AL-Personal Automobile Insurance Chapter 3

Economic Losses Economic losses are such things as auto repair or replacement, medical costs, property repair, etc., No-fault does not address non-economic losses and a person cannot sue for non-economic…

AL-Personal Automobile Insurance Chapter 4

Coverage for Damage to Your Automobile Coverage for Damage to Your Automobile is referred to as “Part D” in some policies, and is subject to a deductible; therefore, any payments…

AL-Personal Automobile Insurance Chapter 5

Transportation Expenses In case the automobile insured is stolen, transportation expenses will be paid (if the Other Than Collision coverage is elected), and the policy will also pay for “loss…

AL-Personal Automobile Insurance Chapter 8

Types of Endorsements It is not feasible to describe or provide samples of all endorsements because of the variety of state regulations and laws, and the number of insurance companies.…

AL-Personal Automobile Insurance Chapter 9

Towing and Labor Costs This endorsement shows a particular limit of liability per disablement. This would indicate the maximum the company would pay each time the covered auto has to…

AL-Personal Automobile Insurance Chapter 10

Policy Period and Territory Standard wording applies: “The policy period is shown in the Declarations page, and applies only to losses and accidents which occur within the United States of…

AL-Personal Automobile Insurance Chapter 11

Cancellation, Non-Renewal, and Automatic Termination This policy may be canceled during the policy period by the insured at any time.  After the policy is in effect for 50 days, the…