Some people look only at price when buying a policy for car insurance. But you should know that policies differ from one another and even from one state to another. Before getting car insurance quotes in Alabama, you need to understand what is required to ensure you are adequately protected.
Alabama enacted the Mandatory Liability Insurance Law in 2013 that requires all drivers to carry liability insurance if they are residents in the state and have registered vehicles. It impacts liability insurance only and provides the minimum requirements.
- $25,000 per person for injury
- $50,000 per accident for personal injury
- $25,000 for damage to property
These amounts cover you if you are at fault in an accident. If you want to increasing the coverage over the minimum amount to protect you and your assets this is always a good idea. The personal injury amount includes all medical expenses if someone is injured: hospitalization, any surgeries or treatments in addition to any long-term care while the person recovers.
Uninsured motorists covearge is another point, when checking around for car insurance quotes in Alabama. This protects you if you are involved in a collision with a driver who doesn't have insurance or enough coverage.
Collision and comprehensive coverage that pays for damage to your car, and this is really worth including in your policy.
Lack of Coverage or >Violations
You can be penalized if you don't carry liability coverage insurance in Alabama. If stopped by a police officer and having no insurance, you will receive a fine of $500 for your first violation. Your second and any other violations will result in a $1000 fine.
If your driver's license is suspended for six months and your car registration suspended for four months. If you have your vehicle suspended, you will have to pay fees to have the registration reinstated. Fees are $200 for the first time and $400 for all other offenses.
Since all motorsists in Alabama are required to carry car insurance, they can obtain coverage through the Alabama Auto Insurance Plan if they can't find a provider who will cover them. If you have been labeled a high-risk driver due to previous claims or moving violations, this may be your only option to have the coverage required by law.
If you live or move to Alabama you are required you to carry auto insurance to protect you and everyone else on the road. Car insurance estimates are easy to find and compare on carinsurancequotesalabama.info. Don't drive without it and find the best rates possible when shopping for car insurance quotes.