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mandatory liability InsuranceAlabama motorists driving vehicles without mandatory liability insurance will face civil penalties!

The Alabama Law Enforcement Agency (ALEA) will begin enforcing the Alabama Mandatory Liability Insurance Law (Act#2016-361) on November 1st, 2017.

fall leaves

Ideas for Fall Cleaning and Maintenance 

We've all heard of Spring Cleaning but the Fall season is a good time to do maintenance and repair work and clean up too! Here's some great ideas from  Auto-Owner's Insurance for Fall Cleaning / Maintenance Jobs!

The best part is that these ideas are simple and easy and may save you money, and possibly your life!

MotorcycleflyMotorcycle Safety

Motorcycle riding is a popular form of recreation and transportation for thousands of people across the state and nation. As warmer weather approaches there will be more and more bikers on the roads. Please be courteous, look both ways twice before pulling into traffic and remember these riders have families just like you.

AutoOwnersAppsmNew from Auto-Owners Insurance!

Most of the time, insurance is something you really don't think about, and that's the way it should be. Good insurance policies and responsible agents like Larry Liveoak and the staff at Liveoak Agency allow you to live your life peacefully and productively knowing we've got things covered for you when accidents happen. But when they do happen, it is good to know the information you need is easy to find.

apartment2Why you should consider Renters Insurance?

Do you carry Renters Insurance? Are you an apartment renter? Do you rent a condo or someone’s house? If so, keep in mind that while you don’t necessarily have a large financial investment in the property, you do have a big financial investment in all of your possessions. If you ever had to actually pay to replace what you own, it would probably cost far more than you would expect-tens of thousands of dollars, or even more!

Summertime SafetyBe Safe this Summer

Summer is right around the corner and with that brings lots of people enjoying the warmer weather. Protect your lake homes from burglars for while you are away. Keep children & pets safe near the water and tie down your boats & wave runner’s securely to avoid damage and/or floating away. Most importantly, BE SAFE!

uninsured motorist coverageUninsured Motorist Coverage


Many states, including Alabama, require drivers to carry Uninsured Motorist Bodily Injury Insurance. Well, kinda, Uninsured Motorist Accident sorta require it. Though not compelled absolutely by statute, Alabama’s Motor Vehicle Safety-Responsibility Act requires that all auto insurance policies include uninsured motorist coverage, and all Alabama drivers purchase said coverage unless the purchaser conveys in writing that they do not want this coverage.

So is it worth it? The following five scenarios would indicate yes – very much so.