4 HRs Personal Auto and Umbrella Insurance - Alabama

✅ Approved by Alabama Department of Insurance | Provider #500032047 | Course #6000223671 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved continuing education hours toward your Alabama insurance producer renewal with an online course approved by the Alabama Department of Insurance, for only $19.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to Alabama electronically. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 4 HRs Personal Auto and Umbrella Insurance - Alabama
• Approved By: Alabama Department of Insurance
• Provider Number: 500032047
• Course Number: 6000223671
• Course Length: 4 credit hours
• Course Category: Property And Casualty
• Course Format: 100% online, self-paced
• Price: $19.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Alabama electronically
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Alabama licensed resident insurance producers renewing a license with property and casualty authority
• Producers who need 4 approved hours toward the 24-hour Alabama requirement
• Agents who want current, practical knowledge of these coverages — not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved credit hours toward the 24-hour Alabama continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 3-hour ethics requirement. Alabama places no classroom minimum on producer continuing education, so a self-paced course like this one may be used for any portion of the 24 hours.

✅ Alabama Continuing Education Requirements

Alabama resident insurance producers complete 24 hours of Alabama-approved continuing education during each two-year reporting period, and 3 of those hours must be ethics. Alabama is one of the more flexible states on delivery method: the Department places no classroom minimum on producer CE, so all 24 hours may be completed through self-study courses that include a monitored final examination with a passing score of 70 percent. Alabama does not require you to mail certificates to the Department — approved providers report completions electronically, and it is the licensee's responsibility to confirm the hours posted before renewing.

• 24 credit hours of Alabama-approved continuing education per two-year reporting period
• 3 of those 24 hours must be ethics; the remaining 21 may be in any approved line
• No classroom minimum — all 24 hours may be self-study with a 70% final examination
• Producers who work only in their employer's office and hold no non-resident license elsewhere have a reduced requirement of 12 hours, including 2 ethics hours
• Certificates do not need to be mailed to the Department; approved providers report completions electronically
• Allow at least 3–5 business days for completions to post before you attempt to renew

How this course helps: This 4-hour course provides 4 approved credit hours toward the 24 hours Alabama requires for each two-year reporting period. It applies as general credit and does not satisfy the separate 3-hour ethics requirement, so at least 20 additional hours — including your 3 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

Alabama insurance producer licenses are renewed on a biennial cycle, and the continuing education reporting period runs with that cycle. Confirm your exact expiration date on your license record or on the renewal notice the Department sends, because the deadline is tied to your individual license rather than to a single statewide date. Finish your hours early: the Department notes that it takes at least 3 to 5 business days for completion information to post before a renewal can be processed.

✅ How to Renew Your License

Step 1: Confirm your license type, lines and expiration date

Pull your license record and note whether you are a full producer subject to 24 hours or an office-only producer subject to 12.

Step 2: Check the hours already posted for this reporting period

Alabama expects you to track your own credit. Review what has posted before you buy anything new so you do not repeat a course.

Step 3: Complete 24 hours, including 3 ethics hours

Finish the full requirement, making sure the ethics hours come from courses approved in the ethics category.

Step 4: Finish at least a week early so credits can post

Allow at least 3 to 5 business days after completion for the information to reach the Department's database. Do not leave it to the final day.

Step 5: Verify your credit before you renew

Confirm every course posted with the correct hours and category. Renewal will not process if the record shows you short.

Step 6: Renew your license and pay the fee

Submit the renewal through the licensing system before your expiration date and pay the renewal fee.

Step 7: Save your certificates

Keep your completion certificates on file in case the Department asks you to substantiate your hours, and confirm your license shows active with a new expiration date.

✅ What You Will Learn

• The personal auto policy structure and who counts as an insured under each part
• Liability, medical payments, uninsured and underinsured motorist coverage
• Physical damage: collision, other than collision, and how a total loss is settled
• Common exclusions including business use, rideshare and regular-use vehicles
• How a personal umbrella sits over auto and homeowners underlying limits
• Why self-insured retentions and underlying limit requirements cause claim disputes

✅ Course Content Overview

Hour 1 – The Personal Auto Policy

Declarations, definitions and the four coverage parts. Covers who is an insured, covered autos, newly acquired vehicles, temporary substitutes and non-owned autos.

Hour 2 – Liability and Injury Coverages

Part A liability including split and combined single limits, supplementary payments, Part B medical payments, and Part C uninsured and underinsured motorist coverage with stacking considerations.

Hour 3 – Physical Damage and Exclusions

Collision and other than collision, deductibles, actual cash value total loss settlement, betterment, transportation expense, and the exclusions that most often surprise insureds: livery and rideshare, business use, and racing.

Hour 4 – Personal Umbrella Liability

How an umbrella provides excess and, in some forms, broader coverage. Underlying limit requirements, the self-insured retention, defense obligations, and the exposures umbrellas commonly exclude.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $19.99
• 3-Hour Flood Insurance (NFIP) – $19.99
• 4-Hour Annuity Best Interest/Suitability – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Alabama – $39.99
• 5 HRs Life Insurance Products and Retirement Planning - Alabama – $19.99
• 4 HRs Medicare Advantage and Part D Update - Alabama – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Alabama – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Alabama – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Alabama – $19.99
• 4 HRs Commercial Lines Insurance Essentials - Alabama – $19.99
• 4 HRs Homeowners Insurance Overview - Alabama – $19.99

✅ Why Choose 1st Choice CE?

• Approved by the Alabama Department of Insurance — provider #500032047
• Affordable at $19.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Alabama
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Personal Auto and Umbrella Insurance - Alabama today for $19.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.