Alabama Car Insurance

Under Alabama's mandatory insurance act, each driver on a public thoroughfare must have a minimum bodily injury liability policy that covers $25,000 p/person and $50,000 p/accident, plus $25,000 more for liability for property damage, and, uninsured motorist coverage of $25,000 and $50,000 as well.

Under Alabama’s mandatory insurance act, each driver on a public thoroughfare must have a minimum bodily injury liability policy that covers $25,000 p/person and $50,000 p/accident, plus $25,000 more for liability for property damage, and, uninsured motorist coverage of $25,000 and $50,000 as well.

Throughout most of the United States, and including the state of Alabama, having liability insurance on the car you’re driving on public roads is required by law. Also, if you have a loan on your car through a bank, credit union, or finance company, you will also be required to carry collision insurance and comprehensive in order to protect their interests in case you have an accident. Although having liability insurance may sound a bit like a burden, imposed by state regulations, it is really mostly there to protect you and your family from catastrophic medical bills and catastrophic lawsuits.  Let’s take a look at some of the minimum requirements of the Alabama Mandatory Liability Insurance Act, plus, examine what a conscientious driver would most likely have for Alabama Car Insurance next.

According to Insure.com, when it comes to average car insurance premium Alabama is ranked right in the middle among all other states (#22 out of 51, #1 being the highest premium and #51 being the lowest). The average vehicle coverage premium in AL is $1,320 as determined by their study.

Under Alabama’s mandatory insurance act, each driver on a public thoroughfare must have a minimum bodily injury liability policy that covers $25,000 per person and $50,000 per accident, plus $25,000 more for liability for property damage, and, uninsured motorist coverage of $25,000 and $50,000 as well.  What this really means is that if you’re driving, and have an accident that is your fault, the people that you hit will be covered for up to $25,000 per person but only $50,000 per accident for their medical bills.

As you probably understand, if you know anything about hospitals and their costs, $25,000 will be eaten up in about the first 15 minutes. Once your limit of liability has been used you’re then on the hook for their remaining hospital bills for which they can sue you to collect. Sure, the person you hit will have insurance covering them for the overages that your insurance does not cover, but then their insurance company is going to hound you for years to pay the remaining balance due. This is a really nice way of saying that, you should have a minimum of $100,000 per person, $250,000 per accident just to begin with.

If you noticed, the Alabama Car Insurance minimum requirements for property damage liability was $25,000, which might cover a used car with a lot of miles on it. If you bump into the back of a Mercedes which then crosses the center line and gets hit by a Hummer and they are both total losses, you could easily owe several hundred thousand dollars in about 25 seconds. And this coverage is for all property damage resulting from an accident that is your fault. It would be wise to have at least $250,000 in property damage liability just to cover one or two cars that you might hit, and a  person with assets would probably have $500,000 to protect their home, income, and all their possessions from being tied up in court due to liability lawsuits.

I hope in these previous paragraphs I haven’t scared you too much, but everyone needs to understand that the Alabama Car Insurance laws requiring minimum liability amounts on car insurance are woefully antiquated and inadequate. Any driver on the road that has assets or a good job, should cover themselves to make sure that they are protected regardless of law.

Alabama Cities:

Abbeville, AL Auto InsuranceAbernant, AL Auto InsuranceAdamsville, AL Auto InsuranceAddison, AL Auto InsuranceAdger, AL Auto InsuranceAkron, AL Auto InsuranceAlabaster, AL Auto InsuranceAlberta, AL Auto InsuranceAlbertville, AL Auto InsuranceAlexander City, AL Auto InsuranceAlexandria, AL Auto InsuranceAliceville, AL Auto InsuranceAllgood, AL Auto InsuranceAlma, AL Auto InsuranceAlpine, AL Auto InsuranceAlton, AL Auto InsuranceAltoona, AL Auto InsuranceAndalusia, AL Auto InsuranceAnderson, AL Auto InsuranceAnnemanie, AL Auto InsuranceAnniston, AL Auto InsuranceArab, AL Auto InsuranceArdmore, AL Auto InsuranceAriton, AL Auto InsuranceArley, AL Auto InsuranceArlington, AL Auto InsuranceAshford, AL Auto InsuranceAshland, AL Auto InsuranceAshville, AL Auto InsuranceAthens, AL Auto InsuranceAtmore, AL Auto InsuranceAttalla, AL Auto InsuranceAuburn University, AL Auto InsuranceAuburn, AL Auto InsuranceAutaugaville, AL Auto InsuranceAxis, AL Auto InsuranceBaileyton, AL Auto InsuranceBanks, AL Auto InsuranceBankston, AL Auto InsuranceBay Minette, AL Auto InsuranceBayou La Batre, AL Auto InsuranceBear Creek, AL Auto InsuranceBeatrice, AL Auto InsuranceBeaverton, AL Auto InsuranceBelk, AL Auto InsuranceBellamy, AL Auto InsuranceBelle Mina, AL Auto InsuranceBellwood, AL Auto InsuranceBerry, AL Auto InsuranceBessemer, AL Auto InsuranceBillingsley, AL Auto InsuranceBirmingham, AL Auto InsuranceBirmingham, AL Auto InsuranceBlack, AL Auto InsuranceBlountsville, AL Auto InsuranceBoaz, AL Auto InsuranceBoligee, AL Auto InsuranceBon Air, AL Auto InsuranceBon Secour, AL Auto InsuranceBooth, AL Auto InsuranceBoykin, AL Auto InsuranceBrantley, AL Auto InsuranceBremen, AL Auto InsuranceBrent, AL Auto InsuranceBrewton, AL Auto InsuranceBridgeport, AL Auto InsuranceBrierfield, AL Auto InsuranceBrilliant, AL Auto InsuranceBrooklyn, AL Auto InsuranceBrookside, AL Auto InsuranceBrookwood, AL Auto InsuranceBrownsboro, AL Auto InsuranceBrundidge, AL Auto InsuranceBryant, AL Auto InsuranceBucks, 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