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General FAQs

Is my insurer committed to serving practicing attorneys?

AIM is committed and has been from its inception! AIM insures Alabama and Tennessee attorneys in most practice categories. Is your insurer committed to continually insuring you as a practicing attorney? AIM exists solely to serve the needs of its insureds. No one does it better.

Who do I call if I have a question?

AIM provides you with the fastest underwriting and claims service. It is all done at its corporate office in Birmingham, Alabama. If you have a question or concern, there is someone close by to contact. Claims defense is done with an attorney's perspective and local counsel when needed. AIM's board of directors is comprised solely of attorneys admitted to practice in Alabama and Tennessee. We understand the practice of law and your needs.

Why should I insure with AIM?

In a line of insurance where insurers routinely come and go based upon profit, it is comforting to know that AIM is here to stay. It has to be, it is owned by its policyholders.

What is a hammer clause?

Typically, large, for profit, insurers employ a hammer clause in their policies for use against their own insureds. The term comes from the concept that an insured can be hammered into consenting to settlement against the insured's wishes. These insurers qualify the consent to settle protection by making an insured liable for any overage (difference between amount a claim could have been settled for and ultimate verdict at trial) if an insured declines to accept a settlement recommended by the insurer. Such protection then becomes nothing more than an illusion. AIM's policy protects you in this important, core function of a malpractice insurance policy. Not sure if your policy has a hammer clause? If you're not insured by AIM, it most likely does. Call AIM, we'll be glad to review your present policy with you.

Does AIM’s policy exclude punitive damages and/or court sanctions?

AIM's policy does not exclude coverage for punitive damages or court sanctions. Competitors are likely to exclude coverage for punitive damages and/or court sanctions. Review their policy exclusions.

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