Call Us:478-788-1104
Call Us:478-788-1104
What Can We Help You Cover?
AutoBusinessCommercial AutoHomeRenters
Home » Alabama Auto Insurance – O’Neal & Associates Insurance

Alabama Auto Insurance – O’Neal & Associates Insurance

Girl getting handed car keys

In the vibrant state of Alabama, having auto insurance is not just a legal requirement but also a fundamental aspect of responsible vehicle ownership. With a plethora of options available, it’s crucial to choose the right insurance provider that offers reliable coverage at competitive rates. 

Among the array of choices, O’Neal & Associates Insurance stands out as a trusted name, providing comprehensive auto insurance solutions tailored to meet the diverse needs of Alabama residents.


Understanding Alabama Auto Insurance Requirements

Alabama law mandates that all drivers carry minimum liability insurance to cover bodily injury and property damage in the event of an accident. The minimum liability coverage requirements in Alabama are as follows:

$25,000 for bodily injury or death per person

$50,000 for total bodily injury or death per accident

$25,000 for property damage per accident

While these are the minimum requirements, many drivers opt for higher coverage limits to ensure adequate protection in case of severe accidents.

Minimum State Coverage Requirements

In Alabama, like in many other states across the United States, there are minimum requirements for auto insurance coverage that drivers must adhere to. These requirements are in place to ensure that drivers have a basic level of financial protection in case of accidents. The minimum state coverage requirements in Alabama include:

Liability Coverage for Bodily Injury: 

Drivers must have a minimum coverage of $25,000 for bodily injury or death per person. This means that if you are at fault in an accident and someone else is injured, your insurance will cover up to $25,000 for their medical expenses, lost wages, and other related costs.

Liability Coverage for Total Bodily Injury: 

There is also a requirement for a minimum of $50,000 in total bodily injury coverage per accident. This means that if multiple people are injured in an accident where you are at fault, your insurance will cover up to $50,000 in total for their injuries.

Liability Coverage for Property Damage: Drivers must carry a minimum of $25,000 in coverage for property damage per accident. This covers the costs of repairing or replacing the other party’s vehicle or other property that is damaged in an accident where you are at fault.

The law also requires you to carry uninsured/underinsured driver insurance. This coverage insures you against damage caused by someone else who doesn’t have appropriate liability insurance. For example, if you become the victim of a hit-and-run, coverage might apply. You must carry:

$25,000 per person

$50,000 per accident

Most drivers require more liability coverage than the state-mandated minimums. For example, most people have more than $100,000 in bodily injury insurance. Allow us to assist you in establishing higher limits that will provide you with greater security while being inexpensive.

Drivers in Alabama can waive their uninsured/underinsured coverage requirement by writing to their insurer.

Increasing your coverage.

Just because your policy requires liability and uninsured coverage doesn’t imply you have to carry solely that protection. Alabama insurers provide an extensive range of coverage alternatives. Each increase in your coverage might reduce your financial burden if you are involved in an accident.

Inquire with your agent about the following additions to your coverage:

  • Collision Insurance: This policy will cover damage to your own vehicle caused by an accident.
  • Comprehensive Insurance: Non-accident dangers might cause harm to your vehicle. Such damages are covered by this policy. In general, your coverage will cover damage caused by fire, weather, theft, vandalism, and similar incidents.
  • Personal Injury Protection (PIP): If you were wounded in a car accident, PIP coverage can help you pay for your own medical

Other coverage options may help you pay for roadside assistance, towing, glass insurance, and rental car fees. Inquire with your agent about how to incorporate these protection features into your plan.

We cover high-risk drivers.

Drivers may struggle to obtain coverage because insurers may categorize them as high-risk drivers. You might receive a high-risk designation for:

Driving without a valid licence. It is simple: unlicensed drivers should not drive, and your license must be valid in order to maintain rights.

Driving without insurance. The law requires you to carry insurance since you both pose and face various hazards on the road. As a result, driving without insurance puts your own and others’ finances at danger. This is why you need continual coverage.

Committing many traffic violations. Such activities may indicate that you have a higher risk of creating an accident.

Causing at-fault wrecks. What is to indicate that if you create one wreck, you will not cause another? Following a series of accidents, your insurance may label you as high risk. However, non-fault accidents are unlikely to result in this label.

At times, your age or experience might cause you to have higher driving risks than others. For example, the youngest drivers don’t have a lot of experience behind them. They might have a higher risk of causing accident, for example.

If you drive without insurance or commit specific infractions, you will most likely face state fines. Your consequences could range from large fines to a prison sentence.

Furthermore, driving recklessly may result in a range of penalties from insurers. Some may raise the driver’s insurance premiums. Others may choose to cancel their coverage entirely.

At O’Neal & Associates Insurance, we understand how it feels to struggle to find affordable coverage despite the fact that you need it. As a result, we’ll help you get insured without having to pay excessive auto insurance rates.

We’re Here When You Need Us.

O’Neal & Associates Insurance provides quick and easy insurance quotes. You can seek a quote online or call us directly to talk with an insurance professional. Throughout the quote process, you can explain your coverage needs and preferences, allowing O’Neal & Associates Insurance to build a policy to match your Specifications and budget.

Learn more about vehicle insurance alternatives that can help protect you and your family, request a quote, or call O’Neal & Associates Insurance at 478-788-1104 or get an online estimate right now!
O'Neal & Associates Insurance office with friendly staff assisting customers in choosing the right auto insurance coverage.