Alabama drivers are required to carry certain minimum liability insurance limits. All too often, drivers either fail to keep insurance in place, or chose to drive without it or do not have enough coverage to pay for the damages they cause.
The State of Alabama follows a tort system, which means that someone will always be found at fault for causing an accident. Once the "at fault" party is determined, they can be held liable along with their insurer, to provide monetary compensation for damages resulting from the accident.
Required Coverage according to the Alabama Department of Revenue:
Link http://tinyurl.com/r6la2ee to it's public brosure.
All personal vehicles in Alabama require the following MINIMUM liability coverage requirements:
· For Bodily Injury $25,0000.00 per person/$50,000.00 per accident
· For Property Damage $10,000.00
· Additional insurance coverage can include:
Uninsured or Underinsured covers you if you are involved in an accident with someone who does not have insurance or does not have enough coverage to cover all of the damages. This extra coverage will pay for expenses exceeding what is covered by the "at fault" person’s coverage.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
In order to provide proof of insurance, you can provide one of the following:
You must maintain proof of insurance and financial responsibility and present it:
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance when asked, you can face the following penalties:
If you or a loved one has been injured by an uninsured driver, a hit and run driver, or someone without adequate insurance, call us for a free, no obligation consultation.
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