Auto insurance may help cover losses after an accident. While Alabama requires minimum coverage, drivers may need additional options based on their circumstances. PAC Insurance can help drivers in Lorna Lane Hoover, Birmingham & St. Bessemer, AL learn more about their coverage. 
What Are Alabama’s Car Insurance Laws?
State law typically requires drivers to carry minimum amounts of liability coverage for:
- Bodily injury to one person
- Bodily injury to multiple people in one accident
- Property damage caused in one accident
The Risks of Minimum Coverage
Minimum coverage often fails to cover all the costs of a serious collision. Medical bills, vehicle repairs, lost income and other expenses can add up quickly, especially when multiple people are injured or an expensive vehicle is damaged. If the total costs exceed your policy limits, you may have to pay the remaining amount out of pocket. Additionally, your own medical costs and car repairs won’t be covered unless you purchase coverage beyond state-required minimums.
Why Consider Higher Limits or Additional Coverage?
Higher liability limits may help cover more expenses if an accident results in significant injuries or property damage. Drivers may also consider:
- Uninsured/underinsured motorist coverage for crashes involving a driver with limited or no insurance, as well as hit-and-run drivers
- Collision coverage for your vehicle’s damage caused by a crash
- Comprehensive coverage for damage caused to your vehicle by events such as theft, hail or vandalism
- Medical payments (MedPay) coverage for injuries sustained in an accident by you or your passengers, regardless of fault
Get Covered Today
We can help you secure a policy that fits your insurance needs. Contact PAC Insurance to get a free custom quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.