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Call Us Today!
(205) 940-9977
Call Us Today!
(205) 940-9977

FAQ

home insurance

Does every homeowner have to have insurance?

Not every homeowner has to have insurance - for example, you may have paid off your home and are not required by a lender to have insurance - but every homeowner should. A homeowner's policy covers damage to the home itself and also provides liability protection if someone is hurt on your property and sues you. It makes sense to protect such an important and valuable investment with this kind of insurance.

What is medical payment insurance?

No matter who caused the accident, this type of insurance pays for doctor, hospital and funeral expenses. It covers you and any passenger in your car. You and all of your family members are covered as well as pedestrians.

What is a high-risk pool?

"High-risk pools" offer health insurance coverage to "uninsurable" residents whom private insurers might turn down because of the status of their health. High-risk pools typically offer coverage similar to that sold by private insurers, but in some states, high-risk pool benefits are limited. For example, these programs might impose high deductibles or limit coverage for certain services such as mental health care, laboratory services, maternity care or even diabetes supplies. 

auto insurance

What is bodily injury liability insurance?

This insurance pays in case you cause an accident in which others are injured or killed. This coverage will also help pay for your legal defense if suits or claims are brought against you. This type of insurance covers you and your family members.

Have Your Insurance with AMERICAN or You May Be Paying Too Much

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Contact Information

AiA American Insurance Agency
438 Carr Ave
Birmingham, AL 35209
Phone: (205) 940-9977
Fax: (205) 916-0551​
Email: lcwoodgett@aol.com

In Business Since 1986

​Business Hours

Monday - Friday: 8:30AM – 6PM
Saturday: 10AM – 2PM
Appointments Available

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