Alabama is the State that cares for its people and it cares for its drivers.  As any driver knows, accidents happen on the road and doesn’t matter what kind of vehicle you drive you can still be a victim of an accident.  To keep all drivers safe on the roads, the state of Alabama has implemented a minimum auto insurance requirement, that way drivers are protected against major indemnity. Beyond that, Alabama auto insurance should be as low as Alabama motorists can find. Of course individual car insurance coverage does depends on many factors such as the driving record, and age of driver, generally speaking Alabama drivers can expect to pay roughly $50.00 less annually than the national car insurance average.

Alabama Auto Insurance Requirements

 

Alabama is a State that follows the legal tort system of car accidents, in a tort system one driver will be at fault and that driver along with the car insurance company will be responsible to pay for the damages that resulted because of the accident.

Alabama state car insurance rates are set in order to meet the minimum amount deemed acceptable for the state to make sure their drivers have the basic requirement to drive safely on the roads.  This basic coverage requires three different types of Alabama car insurance set at $25,000, $50,000, and another $25,000.  The brake down is as follows:

• Bodily Injury Liability – Alabama State requires that each driver carry $25,000 of bodily injury liability insurance.  Any amounts above this mark will have to be paid by the at fault party for medical expenses for the driver of the other car resulting from the accident.
• When there is more than one injured party in the car, Alabama state auto insurance companies will pay up to a maximum of $50,000.
• The final $25,000 in the 25/50/25 ratio is coverage set aside for Property Damage Liability. Alabama State requires that you carry the minimum of $25,000 to insure against any damage to the other vehicle, buildings, road signs, and public and private property of any kind.

It is important to note Alabama auto insurance is set at the minimum coverage but that does not preclude any driver from getting more car insurance protection, in fact Alabama state recommends that drivers do so.  In cases where the other driver was seriously hurt or there were extensive damage to the vehicle and property, the basic car insured may not be enough to cover everything and the at fault party would be required to pay out of pocket if no further insurance was carried. It would be well advised to at least carry uninsured/underinsured coverage which would help in the case of a hit and run where no driver is found, or if the at fault party does not have enough coverage to meet all the damages.  Of course the most careful and prudent drivers can opt for comprehensive, collision, and personal injury insurance, that way they know that they are safe behind the wheel from any accident that can occur.