Online Insurance Verification

Posted on April 30, 2025April 28, 2025 by admin

Drivers in Alabama are required by state law to purchase auto insurance. You might have questions about auto insurance options. If you live near Montgomery, AL, our team at Bridgeway Insurance Group is looking forward to providing answers for your insurance questions. Our team has earned a reputation with local clients for providing excellent service and support.

Online Insurance Verification

The State of Alabama requires its drivers to carry mandatory auto liability insurance. According to the Alabama Department of Revenue, the state uses an online insurance verification system to verify a driver’s auto insurance. The same website reports that the online system starts tracking drivers’ compliance with insurance regulations when a vehicle is registered. If someone’s driver’s license is revoked, the system receives notice of their license revocation.

If a driver in Alabama fails to comply with a request to show their insurance policy information when the police ask for it, the online system is notified. The police typically issue a summons if this documentation is not produced, and the system is notified of the ticket issuance. Insurance companies are responsible for sending an updated list of all their policyholders to the system. Keeping this information in an online system helps law enforcement officers verify someone’s insurance status.

Contact Us Today for Your Appointment

You need an insurance company you can trust to ensure you have the right insurance. Clients in the Montgomery, AL area have learned they can rely on our team at Bridgeway Insurance Group to help them select the right insurance solutions. Call us today to schedule an appointment and let us help you choose the right insurance solutions for you and your family.

What Happens If an Employee Gets Injured While Working from Home?

Posted on March 28, 2025March 25, 2025 by admin

Remote work has become a standard part of business operations, offering flexibility for employees and employers alike. However, as more people work from home, a new question arises: What happens if an employee gets injured while working remotely? At Bridgeway Insurance Group in Montgomery, AL, we help businesses navigate these evolving risks and ensure they have the right coverage in place.

Are Injuries While Working from Home Covered?

Workers’ compensation laws generally require employers to cover injuries occurring while an employee performs job-related tasks, regardless of location. If an employee is injured while working from home, they may still be eligible for workers’ compensation benefits. However, proving that an injury was work-related can be more complicated outside of a traditional office setting.

For example, if an employee trips over a power cord in their home office while on a work call, that could be considered a job-related injury. But if they slip while grabbing a snack in their kitchen, the line between work and personal time becomes less clear. Employers should establish clear remote work policies to help define what constitutes a work-related injury.

How Can Businesses Protect Themselves?

Having a comprehensive workers’ compensation policy is crucial, even for remote teams. Employers can also reduce risks by providing ergonomic guidelines, safety checklists, and clear expectations for home office setups. Ensuring employees have a designated workspace can help prevent accidents and streamline claims if an injury does occur.

Stay Protected with the Right Coverage

Remote work introduces new challenges, but the right insurance can provide peace of mind. Bridgeway Insurance Group in Montgomery, AL, can help you find the right commercial insurance to protect your business and employees. Contact us today to learn more!

Home Insurance for Pet Owners in Montgomery, AL

Posted on February 28, 2025February 24, 2025 by admin

Home insurance is a necessity for all homeowners, whether you’re a first-time homeowner or a seasoned property investor. If you’re a pet owner in Montgomery, AL, it’s crucial to consider the type of coverage you may need to protect your furry friends. Pet and home insurance may sometimes complement each other, depending on your specific coverage needs. At Bridgeway Insurance Group, we specialize in helping clients find the best protection for their investments, big and small.

The Importance of Home Insurance

Home insurance is vital for any homeowner, regardless of the size of your property or lot. It protects your investment from risks such as fires, theft, and damage. Comprehensive or umbrella insurance may also extend to protect your family members and pets from liability. Speaking with an insurance representative can help you determine the best policy or bundling option for your coverage needs.

Do You Need Pet Insurance?

In some cases, you might want to consider investing in separate pet insurance or working with an insurance agent to ensure optimal protection for your pets, especially if you live in a high-risk area for floods and other natural disasters. Pet insurance can also protect your pet if they fall ill or get injured in an accident.

Understanding the need for pet insurance and home insurance can provide you with peace of mind, especially if your pet is injured or requires medical attention. To learn more about protecting your pet and home, visit Bridgeway Insurance Group. If you’re a homeowner and pet owner in Montgomery, AL, contact Bridgeway Insurance Group to compare coverage options and find a policy that suits you and your household today.

Liability vs. Full Coverage: What’s Right for You?

Posted on January 31, 2025January 27, 2025 by admin

Choosing the right car insurance isn’t just about meeting legal requirements. It’s about protecting one of your biggest investments: your vehicle. Many drivers face the tough choice between liability and full coverage, each with its own benefits and trade-offs. Understanding the differences and determining which option best fits your unique needs and lifestyle are important.

What Is Liability Coverage?

Liability insurance covers third-party injuries and damages if you’re at fault in an accident. It’s often the most affordable option as it satisfies state minimum insurance requirements. However, it doesn’t cover repairs to your own vehicle or your medical expenses. Liability coverage is best suited for those with older cars, tight budgets, or minimal driving needs, offering basic protection without the added cost of comprehensive or collision coverage.

What Is Full Coverage?

Full coverage insurance combines liability, collision, and comprehensive insurance, offering advanced protection for your vehicle and injuries, regardless of who’s at fault. It ensures that your vehicle is covered in accidents, theft, weather damage, and other unforeseen events. However, the premiums can be higher compared to liability coverage. Full coverage is best suited for drivers with newer vehicles, financed cars, or drivers who want maximum protection.

How to Decide: Factors to Consider

When deciding between liability and full coverage, consider your vehicle’s value. If it’s older, full coverage might not be cost-effective. Assess your budget to determine if you can afford higher premiums. Your driving habits also matter as frequent driving or living in a high-risk area may require extra protection.

Contact Bridgeway Insurance Group

Whether you’re leaning toward liability coverage or prefer the complete protection of full coverage, Bridgeway Insurance Group in Montgomery, AL, can help. Contact our office today to discuss your coverage needs.

How to Minimize Damage to Your Home While Decorating For the Holidays

Posted on November 25, 2024November 22, 2024 by admin

Decorating for the holidays is a cherished tradition that brings warmth and joy to any home. However, accidents can occur. At Bridgeway Insurance Group in Montgomery, AL, we want to help you keep your home safe and secure during this festive season.

Choose the Right Decorations

When selecting decorations, consider materials that are less likely to cause damage. Opt for lightweight, non-breakable ornaments, especially if you have children or pets. Avoid placing heavy decorations on fragile surfaces to prevent scratches or dents.

Safely Install Outdoor Lights

Hanging lights can be tricky. Ensure you use outdoor-rated lights and secure them with clips rather than nails or staples, which can damage your home’s exterior. Always check for frayed wires and replace damaged strands to prevent electrical hazards.

Protect Your Floors and Walls

Place felt pads under heavy decorations like Christmas trees to protect floors from scratches inside your home. Use removable hooks to hang decorations on walls, which will help avoid paint chipping or wall damage.

Manage Fire Hazards

Candles and fireplaces add a cozy touch but can be dangerous if not managed carefully. Keep flammable decorations away from open flames, and never leave them unattended. Consider using LED candles as a safer alternative.

Plan for the Unexpected

Even with the best precautions, accidents can happen. Make sure your home insurance policy is up-to-date. At Bridgeway Insurance Group, we help you find the right coverage to protect your home during the holidays and beyond.

These steps allow you to enjoy a beautifully decorated home without worrying about damage. Contact Bridgeway Insurance Group in Montgomery, AL today to ensure your home is fully protected this holiday season!

What is comprehensive and collision coverage?

Posted on October 28, 2024October 23, 2024 by admin

At Bridgeway Insurance Group in Montgomery, AL, we understand that you want to protect your vehicle while navigating the often hazardous roadways. Whether you’ve invested $10,000 or $100,000 in your car, you want the security of knowing it’s covered in the event of an unfortunate car crash. Your car is your ticket to freedom and a more enjoyable life. It’s a significant investment that you want to protect, and we’re here to help you do just that by explaining the benefits of comprehensive and collision coverages on an auto insurance policy.

What is Comprehensive and Collision Coverage?

Most car dealers, finance companies, and others in the industry consider comprehensive and collision coverages on an auto policy as full coverage. Collision coverage kicks in when you collide with another car or still object, such as a light post or tree. When you have been in an at fault accident or a single-car crash, you can file a collision claim to have your vehicle repaired. However, you are required to pay a deductible.

For instance, if you have been involved in a collision and you file a claim for damages equal to $5000, you would pay your deductible, and the insurance company would pay the rest. So, if you have a $500 deductible, you will pay $500, and insurance will pay $4500.

Comprehensive coverage, also known as “other than collision,” covers your vehicle for other incidents unrelated to a collision unless otherwise listed in the policy conditions section of your auto policy. It typically covers fire, flood, hail damage, theft, falling objects, or running into an animal that runs into the roadways. Comprehensive also covers a cracked windshield (unless you have special coverage for windshields). This coverage works similarly to collision, where you pay a deductible as part of the repair costs of the claim.

For more information about Auto Insurance in Alabama

Call Bridgeway Insurance Group in Montgomery, AL, at (334) 551-1110 to learn more about comprehensive and collision coverage for your auto coverage.

What does a BOP Cover?

Posted on September 30, 2024September 28, 2024 by admin

A Business Owner’s Policy, commonly referred to as BOP, is a business insurance package intended to cover main property, liability risks, and business interruption for small businesses. To qualify for a BOP, businesses must meet specific criteria and often enhance their coverage with additional commercial insurance. If you are a small business owner in or around Montgomery, AL, the Bridgeway Insurance Group team is eager to assist with your commercial insurance needs.

An Overview of BOP Insurance

Business Owner’s Policies are typically aimed at businesses with revenue less than $5 million and fewer than 100 employees. The criteria may vary between insurers. BOPs are most suitable for companies that operate from a single physical location. Retailers, restaurants, condo associations, and businesses often opt for BOPs.

In general, BOPs provide the following coverage for businesses:

Protection against property damage, such as damage to your building, equipment, and inventory from fire, theft, and other perils. Some BOPs cover only named perils – those specified in the policy – while others are open-peril policies covering a range of potential hazards.
Legal claims against your business relating to bodily injuries.
Full or partial interruptions to your business operations resulting from a covered peril.

Small businesses frequently purchase the following types of commercial insurance to supplement a BOP:

Commercial auto insurance
Worker’s compensation insurance
Health insurance
Cybercrime insurance
Professional liability insurance
Flood and earthquake insurance
Spoilage insurance

One advantage of a BOP is the convenience of consolidating your primary commercial insurance into a single policy. In addition, some BOPs offer discounted rates compared to purchasing separate policies.

Experience the Bridgeway Insurance Group Advantage

The Bridgeway Insurance Group is committed to serving personal and small business insurance needs in and around Montgomery, AL. We are here to help you design an insurance plan that safeguards your business. Contact us today at (334) 551-1110 or drop by to discuss your commercial insurance options.

How much liability insurance do you need on your home?

Posted on August 30, 2024August 27, 2024 by admin

Liability insurance is a type of coverage that protects your assets. When someone gets injured at your home or by a member of your family, they may incur medical costs and could potentially sue you. Liability insurance can cover the medical expenses and any judgment against you up to your policy’s limit. Bridgeway Insurance Group, located in Montgomery, AL, is an independent insurance agency providing our customers with personalized service and various choices.

Specified activities or components can elevate your liability level, especially if you have substantial assets, which increases the risk of lawsuits. If these concerns are genuine, you might wish to add an umbrella policy to your home insurance for extra protection. Some potential risks include:

A Dog

It’s gutting to consider man’s best friend a liability, but they can be. Not only can dogs inflict physical damage on someone’s property, but they can also bite, which is a risk. Some dog breeds are considered so dangerous that your insurance won’t cover them. Please confirm with your agent to assure your pet is covered.

A Trampoline

Children adore trampolines, and your kids, as well as their friends, will be no exception. This brings an additional level of risk. Make sure you have a safety net to protect yourself from the consequences of falls.

A Swimming Pool

A swimming pool is proven to be a significant hazard at home. Install a safety fence and ensure children are always supervised while using the pool. Implementing a water surface alarm system is another safety measure to consider.

When it comes to liability coverage, more is usually better.

Reach out to our office at Bridgeway Insurance Group in Montgomery, AL, to discuss your liability insurance needs.

What’s the Difference Between Liability Only and Full Coverage Car Insurance?

Posted on July 30, 2024July 29, 2024 by admin

Choosing the Right Car Insurance: Liability Only or Full Coverage?

Looking for the right car insurance involves weighing your specific needs and making key decisions, like whether to opt for liability-only coverage or full coverage. The insurance agents at Bridgeway Insurance Group, servicing Montgomery, AL, are readily available to help you determine the best coverage for your needs.

What’s Covered by Liability Only Car Insurance?

Liability-only car insurance primarily covers personal injury and property damage sustained by another driver in case you cause a car accident. It doesn’t cover repairs to your own vehicle or medical expenses for you or your passengers.

Liability-only car insurance is the minimum requirement in almost all states for driving legally on the road. Your insurance agent can provide more details about your state’s minimum requirements and ensure you maintain the appropriate amount of coverage.

What’s Included in Full Coverage Car Insurance Policy?

Full coverage car insurance includes the same coverage as liability-only insurance but also covers the cost of repairing your vehicle, even if you’re at fault in an accident. It usually includes roadside assistance, too. If you’re getting a car loan for a new vehicle, you may be required to have full coverage car insurance.

Which Type of Insurance Policy Should I Choose?

Selecting the right insurance policy can be challenging. Let the professionals at Bridgeway Insurance Group, servicing Montgomery, AL, assist you. Call us today to discuss your car insurance coverage options with our experts.

Commercial Insurance Versus Liability Coverage

Posted on June 28, 2024June 28, 2024 by admin

Owning a business comes with a lot of work, and some of the responsibilities go towards developing a form of protection against financial losses. That’s why many business owners turn to insurance agencies for coverage. There are numerous types of insurance that could cover a business or a commercial enterprise, and customers will have many policies to choose from. Most business owners end up with a commercial insurance plan or even a liability coverage of some sort. At Bridgeway Insurance Group, we’re providing both to business owners in Montgomery, AL. But what is the difference between commercial insurance and liability coverage?

What is Commercial Insurance?

Commercial insurance is the type of coverage that protects a company and its assets. This insurance will provide payments in the event of a financial loss, a theft, an accident, or a natural disaster. Some companies are more dangerous or risk-prone than others. For example, if a business owner runs a construction company, it would help to have commercial insurance for personal injuries or workplace accidents. If the business is located in a high-crime area, then the business owner should look into an insurance plan that provides coverage for theft or vandalism.

What is Liability Coverage?

Liability coverage is a type of policy found in a commercial insurance plan. If a customer wants to take action against a company for releasing a faulty or defective product, the company can recuperate any financial losses from the legal dispute; the company’s insurance should pay for the lawsuit and the legal fees. Other lawsuits might arise from workplace compensation disputes.

Getting Insurance in Montgomery, AL

Interested in finding a commercial insurance plan that covers your needs? Contact Bridgeway Insurance Group for more information.

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Insurance Blog

Online Insurance Verification

Contact Us Today for Your Appointment

Are Injuries While Working from Home Covered?

How Can Businesses Protect Themselves?

Stay Protected with the Right Coverage

The Importance of Home Insurance

Do You Need Pet Insurance?

What Is Liability Coverage?

What Is Full Coverage?

How to Decide: Factors to Consider

Contact Bridgeway Insurance Group

Choose the Right Decorations

Safely Install Outdoor Lights

Protect Your Floors and Walls

Manage Fire Hazards

Plan for the Unexpected

What is Comprehensive and Collision Coverage?

For more information about Auto Insurance in Alabama

An Overview of BOP Insurance

Experience the Bridgeway Insurance Group Advantage

A Dog

A Trampoline

A Swimming Pool

Choosing the Right Car Insurance: Liability Only or Full Coverage?

What’s Covered by Liability Only Car Insurance?

What’s Included in Full Coverage Car Insurance Policy?

Which Type of Insurance Policy Should I Choose?

What is Commercial Insurance?

What is Liability Coverage?

Getting Insurance in Montgomery, AL