The State of Alabama has set minimum car insurance limits to help citizens and drivers are protected in the unlikely event of an accident. The minimum requirements are as follows:
Bodily Injury Liability
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The first number represents the maximum amount an insurance company will pay before the at-fault party is responsible for the other driver’s medical bills. The minimum coverage you are required to have in the state of Alabama is $25,000. The second number is the maximum an insurance company will pay for all injured parties in the other automobile. In Alabama that amount has to be a minimum of $50,000.
Property Damage Liability
The third number is the minimum state requirement for Property damage liability. Property damage liability covers damage caused to other automobiles, road signs or buildings. In Alabama you are required to have a minimum protection of $25,000.
The minimum requirement is listed as 25/50/25, if you take a look at the figures above they are in that order respectfully.
While these are the minimum state requirements, they are not the maximum coverage you are allowed to obtain. While you are able to get as many quotes for free at autoinsuresavings, it is recommended to consult with an insurance broker to be sure you have the state minimum or if you may need more coverage. In the case of an accident the party responsible for the accident will be held responsible for any monetary damages above the amounts set in their insurance policy.
Alabama is not a “no-fault” state which means the driver does not have to carry collision, comprehensive, uninsured motorist protection, or Personal Injury Protection (PIP). Even though the State of Alabama does not require uninsured motorist protection it is recommended to have it to compensate for drivers through an accident and they fail to carry sufficient coverage.
Local Car Insurance Agents in Alabama