Alabama Auto Insurance Requirement

Reader’s Question:

I’m from Alabama. What are the auto insurance requirements here in Alabama?

Jordan

Montgomery, AL

 

The minimum amount set by auto insurance in Alabama is

Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit

However, if the medical expenses and other bill are more than the coverage that the at-fault driver has in auto insurance policy, he/she will pay the additional cost. In this regard, it is important to consider higher coverage in your auto insurance policy.

Aside from liability insurance, you will also find additional auto insurance in Alabama that is being offered. One of these is collision and comprehensive coverage that pays for the cost of repairing the damaged car of the at-fault driver. The policy also covers the cost of vehicle repair when the accident is due to the animal being hit.

Uninsured/underinsured is also recommended because not all vehicles are insured, this policy will pay your medical expenses if you are or your car is hit by an uninsured vehicle.