Road users in Alabama have a legal obligation to purchase AL auto insurance. Alabama operates under the Tort system and all AL car insurance policyholders have financial responsibilities if another driver is injured as a result of their driving behavior. Coverage will also extend to paying for damage to property in an at-fault accident.
Motorists must carry the following AL auto insurance as a minimum requirement:
- $25,000 worth of bodily injury liability per individual
- $50,000 worth of bodily injury liability per accident
- $25,000 worth of property damage liability
Let’s take a look at how bodily injury liabilities actually work. If you are driving your vehicle and become involved in a road traffic accident with one or more third-party motorists, a police report will be compiled using forensic data, eyewitness reports and statements from the drivers involved in the collision. As a Tort state, one of the drivers will usually be held accountable for the accident.
If you are found to be the at-fault driver, you will be financially responsible for the cost of treatment for injuries sustained by any other driver involved in the accident. Depending on your levels of coverage, your AL auto insurance company will make payments to the value specified on your policy.
If you have only purchased a basic level of coverage, your carrier will pay a maximum of $25,000 for the treatment of one person and a maximum of $50,000 for the treatment of multiple accident victims. If these figures are exceeded, the policyholder will usually be liable for additional costs themselves.