Required Auto Insurance in Alabama

When you drive in Alabama, you have to have auto insurance. You must have the right types of coverage in your policy, and you have to carry proof of your insurance policy. Like all states, state laws dictate the required coverages. If you need auto insurance in Alabama, call us at Baldo-Downs Insurance LLC in Tuscaloosa, AL. 

Required Auto Insurance in Alabama

Liability Coverage

There are two types of liability coverage that are required in these policies with three different amounts stated in the law. The two coverage types are bodily injury liability and property damage liability. Bodily injury liability is a type of coverage that pays for the expenses of those who are injured in an auto accident that is your fault. These expenses can include medical expenses and lost wages. There is an amount of coverage required for one injured person and another amount required for all the injured parties. Property damage liability pays for the damages done to someone else’s property, such as a car or landscaping, when the damage is caused by you.

These are the only two types of insurance that are required by the state, but there are other types that are generally recommended for Alabama motorists. 

Optional Insurance

Getting collision and comprehensive insurance are optional, but they are incredibly helpful after an accident. If you were to cause an accident and had damage to your vehicle from that accident, collision insurance would pay for that damages, less your deductible. This coverage is often required by auto lenders. Comprehensive insurance covers your vehicle against a wide range of risks that can happen to it when it isn’t being driven. 

Get Your Vehicle Covered

When you drive in the state and don’t have auto insurance, you are vulnerable to fines and fees. If you don’t have insurance, call us at Baldo-Downs Insurance LLC in Tuscaloosa, AL.