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Magic City Insurance Group LLC

7 S Bayview St, Suite 5
Fairhope, AL 36532

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What Are Alabama’s Restrictions for Drivers With a Learner’s Permit?

If you have a new driver with a learner’s permit in Birmingham, AL, and you’re not sure what the state’s driving restrictions are, call us at Magic City Insurance Group LLC. Knowing what your driver can and can’t do while behind the wheel is important. We can also help you find an auto insurance policy that meets your family’s needs. 

Birmingham, AL, and Learner’s Permits

Alabama has specific requirements drivers must follow to get a learner’s permit.

Age

The minimum age to apply for a learner’s permit is 15.

Testing

The applicant must pass a written test, which determines how knowledgeable they are about the state’s road signs, safe driving rules, and traffic laws.

Documentation

The driver must be able to show proof that they have either graduated from high school or received their GED, or that they are currently enrolled in high school. They must also provide either an original birth certificate or a certified copy, along with their Social Security card.

Restrictions

Solo Driving 

Driving alone with a learner’s permit is not allowed in Alabama. 

Supervision

A licensed driver who is at least 21 years old must always accompany the driver with a learner’s permit. The designated supervising driver can be the driver’s parent or legal guardian, or another licensed driver.

Seating

When the driver is behind the wheel, the person supervising them must be seated next to them in the front row passenger seat.

Contact Us

When a driver in your household has gotten their learner’s permit and is looking forward to driving around Birmingham, AL, contact Magic City Insurance Group LLC. Our agents can answer any questions you may have about learner’s permits and auto insurance.

Understanding Flood Coverage for Basements and Below-Ground Structures

Protecting your home from flood damage can be complicated, especially when it comes to coverage for basements and below-ground areas. At Magic City Insurance Group LLC in Birmingham, AL, we often receive questions about what flood insurance actually covers in these vulnerable parts of your property.

Standard Flood Insurance Coverage Limitations

Most standard flood insurance policies provide limited coverage for basements and below-ground structures. The National Flood Insurance Program (NFIP) typically covers structural elements such as foundation walls, water heaters, furnaces, and electrical panels. However, finished basement features like carpeting, drywall, and personal belongings often receive minimal or no coverage under basic policies.

What Gets Covered vs. What Doesn’t

Understanding the specifics of your policy can help you avoid costly surprises. Covered items generally include essential systems that keep your home functional, such as sump pumps, well water tanks, and circuit breakers. On the other hand, finished basement improvements like entertainment centers, home offices, or recreational rooms are often excluded from standard coverage. Similarly, personal property stored in basements is subject to restrictions under most basic flood policies.

Protecting Your Investment

To bridge these coverage gaps, consider supplemental insurance options. Some insurers offer enhanced policies that extend protection to finished basement areas and stored belongings. Proper documentation, including photos and receipts, can help establish the value of covered items. Additionally, regular maintenance of drainage systems and waterproofing measures can reduce your risk of flood damage.

Getting the Right Protection

Basement flooding can lead to devastating financial losses if you don’t have adequate coverage. Don’t assume your policy covers everything below ground level. Contact Magic City Insurance Group LLC in Birmingham, AL today to review your current flood insurance and explore options that fully protect your home investment.

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