Louisville Auto Insurance in Alabama

Just like in the case of all other states in the United States of America, Alabama also has state specified minimum requirements for Louisville car insurance. It is important for every car owner to know the minimum requirements for Louisville auto insurance coverage in Alabama. Ensuring that the Louisville auto insurance coverage you buy covers these requirements is imperative since it makes your coverage legally binding.

Minimum Louisville Auto Insurance requirements in Alabama

The minimum auto insurance limits are defined by each and every state of the country. It varies from state to state in both value and features. In Louisville, Alabama the requirements are not very hefty compared to other states like New York.

If you live in Louisville, Alabama the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $25,000 for property damage as a result of an accident. This means that if you are involved in an accident and it is proven that you are at fault, then you will be reimbursed up to 25000 dollars for injuries sustained by one person. And if more than one person is injured, you can claim up to 50000 dollars in damages. And for property damage, which includes damages to the vehicles involved and other stationary objects, the coverage is 25000 dollars. Anything over and beyond this has to borne by the person at fault.

In such cases where the damages or injuries cost more than the insured amount, the driver can be sued in court in order to extract the funds from his assets. In some states there is an under insured or un insured driver insurance coverage. This means that when you meet with an accident and it is established that the other driver was at fault, you can claim money from your auto insurance company if the driver at fault has not got enough protection from this insurance coverage to cover for all the damages and injuries. In Alabama, there is no underinsured or uninsured motorist's protection clause. However, you can get it if you want to have additional protection. But it is not enforced in the state of Alabama.

There is also something known as no fault auto insurance. Most accidents result in a stalemate where it cannot be ascertained who is at fault. In such cases, your insurance company will provide you coverage for all your losses until it is ascertained who was at fault. And even if it cannot be ascertained, you will be covered by your auto insurance company. Hence you need not worry about the costly and time consuming legal process if you are willing to sacrifice a few hundred dollars in extra premium every year.

There are other options in insurance polices like tort coverage, medical benefits, rental insurance and towing insurance. However, none of these are compulsory for the state of Alabama.

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