Most states have auto insurance requirements that all drivers in the state must follow. Alabama is not an exception, they also have requirements. If you don’t have the required insurance and are caught, you could lose your license and registration and be fined. It isn’t worth it. At Magic City Insurance Group LLC in Birmingham, AL, we take our responsibility as independent insurance agents seriously. We ensure that our customers have the auto insurance they need to comply with the law.
Auto Insurance Facts
The law in Alabama mandates auto coverage of 25/50/25. Liability insurance is required and that protects the other driver and their property from you. If there are injuries, the first person injured is covered for $25,000 and the total accident tops out a $50,000. Damage to property is also $25,000. This is basic coverage, and while you may be in compliance with the law, it may not be enough to really protect you.
If you are leasing your vehicle you have an auto loan, you will have additional coverage. You need coverage on your car as well. This requires having collision and comprehensive coverage. Collision coverage is for what it sounds like, a collision. It can be with another vehicle or a stationary item like a pole or tree. It also covers you if someone hits your car and leaves the scene.
Comprehensive coverage is for things that hurt the vehicle that you can not control. If your car is trapped in floodwaters, stolen, vandalized, or gets damaged by heavy winds or hail, you can count on your comprehensive coverage to take care of the damage. Glass coverage is also included.
Give Us A Call
Contact Magic City Insurance Group LLC in Birmingham, AL, for your auto insurance requirements.