Weighing your Alabama Auto Insurance Options
Having reliable knowledge about the auto insurance available in Alabama will help you considerably as you search for an affordable Alabama car insurance policy. Once you're ready, don't hesitate to request a free quote here!
Alabama auto insurance law
Most of the states in the U.S have made it compulsory for the automobile drivers to hold an auto insurance card. Alabama is no exception, and its auto insurance policy coverage is typically split into the following components.
- Alabama bodily injury liability covers injuries or death for when you are found at fault in the accident. However, it will not cover the injuries, death, loss of wages, and suffering costs of you or anyone else on your policy—your medical payment coverage or health insurance will be responsible for that.
- Alabama property damage liability includes coverage for the damage that you cause to somebody else's property during an accident, whether it be a car, fence, or pole. If the expenses incurred from the property damage exceed the coverage amount, you will have to pay for the excess costs.
- Collision coverage covers your own vehicle in the event of an accident.
AL medical payment coverage and PIP coverage
Medical payment coverage includes coverage for medical bills and expenses for the insured driver, passengers, and any family involved in an accident, regardless of who is found liable. PIP coverage is comparable to medical payment coverage, though it also covers lost salary and loss of service.
Alabama follows the law of torts for auto insurance as a substitute for a no-fault system. In a tort system, the at-fault driver and their auto insurance company are accountable for all medical expenditures of the driver and passengers in the other vehicle, as well as any lost wages or loss of service, etc. It's not a burden you want to bear alone—so request your free, no-obligation quote now!