Auto Insurance in Alabama
To drive a car, truck, or SUV in Alabama, you must have auto insurance. The state sets the minimum requirements for your coverage, and you could face fines for failing to meet the legal minimums. Here's what you need to know to get the coverage you need.
Bodily Injury Liability
This coverage can apply to any medical expenses for others injured in an accident involving your vehicle. You must have at least $25,000 per person and $50,000 per accident in coverage in this area. Of course, you have the option to purchase higher limits, and it can be an intelligent option to do that, so you don't have to pay additional expenses out of your pocket.
Property Damage Liability
This coverage applies to any damages to other drivers' vehicles or other physical property, like buildings, walls, road signs, and the like. Your auto insurance policy must include at least $25,000 in coverage, though again, you can increase that limit if you like. Aim to get as much coverage as you can reasonably afford to maximize your protection. Keep in mind that this coverage is not for your own vehicle; for that, you'll need to add optional collision coverage to your policy.
Uninsured/Underinsured Motorist Bodily Injury Liability
Although auto insurance is required by law in Alabama, some drivers still don't maintain the necessary coverage. Uninsured/underinsured motorist coverage protects you against these drivers, going towards your medical bills after an accident. It also comes into play if the other driver's insurance limit is too low to cover your medical expenses fully. You must have at least $25,000 in coverage per person and $50,000 per accident. You have the option of adding property damage liability coverage in this category as well, though the state does not require it.
Learn More about Auto Insurance in Alabama
Baldo-Downs Insurance LLC is here for all your auto insurance needs in Tuscaloosa, AL and beyond. Reach out to us today to design a custom policy that meets state requirements and fits within your budget.