PERSONAL AUTO INSURANCE

PERSONAL AUTO INSURANCE

The Alabama Mandatory Liability Insurance (MLI) law provides that no person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy. The law was passed to protect consumers when they are involved in an accident. Liability insurance policies must be issued by insurers licensed to do business in Alabama for no less than: 25/50/25

The Alabama Mandatory Liability Insurance (MLI) law provides that no person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy. The law was passed to protect consumers when they are involved in an accident. Liability insurance policies must be issued by insurers licensed to do business in Alabama for no less than: 25/50/25

LIABILITY COVERAGE

Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you're at fault. This coverage is required by most states to legally drive your vehicle. Liability coverage is broken down into 2 parts: property damage and bodily injury.

Liability coverage includes property damage and bodily injury coverage. Property damage covers damage to the other party's property. This could include damage to vehicles, a yard, light pole, or other property damaged because of the accident. Bodily injury covers injuries sustained by another person because of the accident.

COMPREHENSIVE & COLLISION COVERAGE

Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. For example, if you are driving and hit a deer, the damage would be covered under comprehensive coverage. However, if you swerve to miss the deer and hit a tree, comprehensive coverage doesn't apply because this type of accident is considered a collision with an object.

 Comprehensive coverage is an optional coverage you can carry to help protect your vehicle. Unlike some coverages, you don't select a limit for comprehensive. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.

Collision coverage helps pay for the cost of repairs to your vehicle if it's hit by another vehicle. It may also help with the cost of repairs if you hit another vehicle or object. That means you can use it whether you're at fault or not. Unlike some coverages, you don't select a limit for collision. The most it will pay is based on the actual cash value of your vehicle. You will be responsible for paying your selected deductible.

UNINSURED & UNDERINSURED COVERAGE

This coverage pays for your bodily injuries and those of your passengers if you are hit by a hit-and run driver or an uninsured driver who is at fault.

Uninsured Motorist Property Damage. This coverage pays for damage to your car if you are hit by a hit and-run-driver or an uninsured driver who is at fault.

Underinsured Motorist Coverage. This coverage pays for your bodily injuries and those of your passengers if you are hit by an underinsured driver who is at fault. “Underinsured” will be defined by your state law or by your insurance policy. That means this coverage can vary by state or by insurance policy.

MEDICAL PAYMENT COVERAGE

Medical payments coverage is optional in some states and required in others. Medical payments, also known as med pay, helps pay medical bills resulting from injuries from an auto accident. This optional coverage (in most states) can be used regardless of fault for accident related medical treatment

ADDITIONAL COVERAGES AVAILABLE

Roadside Assistance: Roadside assistance either covers or reimburses (up to your limits) expenses such as towing, battery jumps, and tire change. The companies that offer this coverage may differ in the types of coverage provided and your limits.

Rental Car Reimbursement: If your car is unable to be driven, this coverage helps cover costs associated with getting a rental until your vehicle is fixed.