Insurance Myths

Myth #17: If I’m not at fault in an accident, the other person will pay.
This assumes he has coverage. Some people have no insurance or only minimal insurance that won’t cover damage they cause to others. Even if you sue them, you may not be able to recover damages. The best way to protect yourself is having good limits on your own policy for the specific parts that cover being hit by an “uninsured" or “underinsured” driver.

Carbon Monoxide Detectors

Do you have a Carbon Monoxide detector in your home?  It's the law!

Most states require that Carbon Monoxide detectors be installed and maintained in ALL residences.

What Is Carbon Monoxide?

Carbon Monoxide is a poisonous, odorless, colorless and tasteless gas produced whenever any fuel, such as gas, oil, kerosene, wood or charcoal, is burned. According to the Journal of the American Medical Association, Carbon Monoxide is the #1 cause of poisoning deaths in the USA. A small amount of Carbon Monoxide can poison you slowly over a long period of time; larger amounts can kill you immediately.

Symptoms Can Include;

Headache, Nausea, Dizziness, Confusion, Fainting, Unconsciousness and ultimately DEATH.

When Detectors Sound

Get out of the house and call 911. If you have symptoms, seek medical help immediately.

Tips To Help Avoid Carbon Monoxide Poisoning

  • Purchase and install Carbon Monoxide detectors.
  • Never use an oven or range to heat the living areas of your house.
  • Check your car and house exhaust pipes to be sure snow is not blocking them.


  • Most local hardware stores carry carbon monoxide detectors.
  • Your Carbon Monoxide detector needs to be approved and certified by a nationally recognized testing Institute, such as the Underwriters Laboratory (UL).
  • Replace detectors every 5-7 years.


Follow manufacturer’s installation instructions carefully.

Carbon Monoxide detectors need to be installed on every level of a single family home or multiple dwelling unit including habitable portions of basements and attics.

Additional Questions

Your local Alabama Fire Department is the best resource if you have specific questions about Carbon Monoxide detector requirements.