Alabama Policyholder Bill of Rights

  1. Policyholders shall have the right to competitive pricing practices of insurers as prescribed by
    applicable federal or state insurance law and regulation.
  2. Policyholders shall have the right to insurance advertising and sales approaches that provide
    representative information on the policy in accordance with Title 27, Chapter 12, Code of
    Alabama 1975.
  3. Policyholders shall have the right to assurance that the insurance market in general and their
    insurance company in particular are financially stable as provided in Section 27-12-7, Code of
    Alabama 1975.
  4. Policyholders shall have the right to receive service from licensed producers in accordance with
    Title 27, Chapter 7, Code of Alabama 1975, and to request the license status of an insurance
    company or producer
  5. Policyholders shall have the right to a policy as prescribed in Title 27, Chapter 14, Code of
    Alabama 1975, to receive a complete policy, and to request a duplicate or replacement policy, if
    needed.
  6. Policyholders shall have the right to receive in writing from their insurance company the reason
    for any cancellation of coverage and a minimum number of days notice of cancellation of
    coverage, subject to applicable federal or state insurance law and regulation.
  7. Policyholders shall have the right to cancel their policy and receive a refund of any unearned
    premium. If a policy was funded by a premium finance company, the unearned premium will be
    returned to the premium finance company to pay toward the policyholder’s financing loan.
  8. Policyholders shall have the right to a written notification, at renewal, describing changes in
    their insurance contract language that are applicable to the renewal period.
  9. Policyholders shall have the right, in the event of a claim, to reject any settlement amount
    offered by the insurance company.
  10. Policyholders shall have the right to select their licensed contractor or vendor to repair, replace,
    or rebuild damaged property covered by the insurance policy.
  11. Policyholders shall have the right to file a written complaint against any insurance company with
    the Department of Insurance and to have that complaint reviewed by the Department of
    Insurance.