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Alabama Minimum Auto Insurance Requirements
The state of Alabama, like most states in the US, has put up minimum auto insurance coverage requirements to make sure its residents are secured enough in case of an accident. Alabama determined the minimum car insurance requirements as 25/50/25. 25/50/25, in thousands of dollars, are Alabama auto insurance minimum requirements. Each one of the numbers is a different auto insurance coverage type:
Bodily Injury Liability – The first number, 25, is the highest payment that will be made by an insurance company before the at-fault party took care of the medical expenses of the other driver. The minimum auto insurance coverage required in the state of Alabama is 25,000$. The second number, 50, represents the highest payment made by the insurance company for all of the parties that were injured in the other vehicle. The state of Alabama requires a minimum of 50,000$.
Property Damage Liability – The last number, 25, represents Alabama minimum requirement for Property damage liability. Such coverage take care of any damage to properties such as other vehicles, traffic lights, road signs or houses. The state of Alabama requires a minimum coverage of $25,000.
Even though these are Alabama minimum requirements, they aren’t the maximum protection Alabama motorists are permitted to get theirselves. In a situation of an accident the side in charge of the accident would also be in charge of any financial expenses above their auto insurance policy limits.
As the state of Alabama is not a no-fault state, it doesn’t demand its drivers to carry comprehensive and collision coverage, Personal Injury Protection (also known as PIP), uninsured/underinsured driver protection. While such protection types are not required by law, Alabama strongly advise its drivers to get underinsured or uninsured coverage. Such coverage will protect drivers in situations when the at-fault party insurance coverage doesn’t cover medical bills or damage expenses.
In 2009, the average auto insurance premiums for Alabama citizens is 1515$, it went down from 1847$ back in 2006. The national average in 2009 is 1807$. The average isn’t guaranteed as your insurance premiums depend on many individual factors such as your vehicle type, your vehicle features and your driving record.
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