Minimum insurance requirements for Alabama
The minimum amount of Alabama auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.
Liability coverage
Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of Alabama, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
Comprehensive
This type of Alabama auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
Collision
Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).
Optional Alabama insurance coverages
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:
Uninsured/underinsured motorist - bodily injury
If you're involved in an accident where the other party is at fault and either uninsured or doesn't carry enough coverage, uninsured/underinsured motorist coverage may cover your bodily injury damages.
Medical benefits
This insurance may cover reasonable and necessary medical expenses or funerals for you and others who are covered under your policy in an accident, regardless of who is at fault, up to the amount you choose.
Note: May not be selected if choosing Family Compensation.
Family compensation
This option may cover necessary medical, confinement and death benefits for you or relatives in the event of an accident, regardless of who is at fault.
Note: May not be selected if choosing Medical Benefits.