FAQ Page 

• Q: What are your business hours? A: 8:30 a.m. to 5:30 p.m.  Monday thru Friday.

• Q: I work late, and I may not be able to make it to your office by closing time. Are after hours appointments available. A: Yes. Please call us at 256-546-2811, and we will meet you between 5:30 p.m. to 7:00 p.m.

• Q: Are you open on weekends? A: No. We do not post regular hours on weekends. Occasionally, we are here working on a Saturday, and we would be happy to help you if we are here. The best thing to do is to come in Friday evening, if you need a policy issued, or if you need to make a payment. Although we close at 5:30 p.m., we are usually here until 7:00 p.m. on Friday evening.

• Q: What is your address? A: Our address is 108 S. 5th St., Gadsden, AL 35901. You can find a map to our location by clicking on our home page map link: http://www.kerrywilson.com/map.htm . All of our contact information is listed at the bottom of this page.

• Q: Can you make payments on the Kerry Wilson Insurance web site?  A: Yes. You can make payments directly to almost all of our Companies by clicking on links provided on our web site at: http://www.kerrywilson.com/PAYMENT.HTM. If you do not find the Company link for the Company that you are insured with, or if you have trouble loging on, you may make a payment directly to Kerry Wilson Insurance by clicking the MAKE PAYMENT button at the top of the page.

• Q: Can payments be set up to automatically pay via Credit / Debit Card, or Checking Account Draft:  A: Yes. Most of our companies offer Electronic Funds Transfer (EFT). However, some do not. If you wish to set your policy up to pay EFT, let us know. If your Company does not offer EFT service, we can re-write your policy with another Company that does offer EFT.

• Q: What do I do if I have a Claim? A: Click on the Tab above, and read: WHAT TO DO IF A CLAIM OCCURS.

• Q: Does the color of the vehicle affect the price of insurance? A: No. Color is not a rating factor in calcualing auto insurance premium.  The rating factors are: Age, Sex, Marital Status, Number of Tickets & Accidents in the past 3 years, the Year - Make - Model - and Coverage Desired of the Vehicle. Discount factors include: Prior Insurance Transfer Discount, Homeowner Discount, Inspection Safe Vehicle (photos of the car) Discount, and many more.  Some people believe that red cars cost more to insure. That is false. It may be true that people who drive red cars pay a higher insurance premium, but that would be due to the fact that their red car had caught the eye of the State Trooper more often, and the driver had received more tickets. Thus, his / or her premium is higher due to the tickets.

• Q: Why do I have to make my insurance payment the day before the expiration date of my policy? A: The Universal Expiration Time of most policies issued by most companies is 12:01 a.m.  That means for example that if your policy expires at 12:01 a.m. on December 25th, then you need to make your payment by 11:59 p.m. on December 24. Obviously, we aren't open at 11:59 p.m., so that means that you need to make your payment on a business day (Monday - Friday), by close of business (5:30 p.m.) on a date prior to the expiration date of your policy, to avoid late fees, reinstatement fees, lapse of coverage, and the possibility of an uninsured accident.

• Q: How long does a ticket or accident stay on my record? A: Tickets and accidents stay on your State of Alabama Motor Vehicle Report (MVR) for 5 years. Most insurance companies "rate" information contained on a MVR for 3 years.

• Q: Are the points rated on my policy the same as the points on my license? A: The points (or rate up for tickets and accidents) for tickets rated on a policy are similar to the points charged against your license by the State. However, the State does not charge points for accidents against your license.  Minor moving violations generally are rated 1 point each. Major violations and accidents are generally rated 4 points each on your policy. 

  Suspension periods vary by the number of points a driver accumulates in a given period:

  • 12 to 14 points in a two-year period: 60 days
  • 15 to 17 points in a two-year period: 90 days
  • 18 to 20 points in a two-year period: 120 days
  • 21 to 23 points in a two-year period: 180 days
  • 24 and more points in a two-year period: 365 days

  Think of Points from the DMV on your license as "Demerits", while Points on your insurance policy are a "Percentage" of increased premium. 

 

Contact Us:

Phone: 800-575-3779 or 256-546-2811

Fax: 256-546-2812

Email: kwilson@kerrywilson.com

   Address: 108 S. 5th Street, Gadsden, AL 35901

Website: www.kerrywilson.com

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