{"id":6912,"date":"2021-02-04T17:03:00","date_gmt":"2021-02-04T17:03:00","guid":{"rendered":"https:\/\/veloxinsurance.com\/?p=6912"},"modified":"2023-10-10T15:53:00","modified_gmt":"2023-10-10T15:53:00","slug":"alabama-state-minimum-auto-insurance-requirements-2021","status":"publish","type":"post","link":"https:\/\/veloxinsurance.com\/blog\/alabama-state-minimum-auto-insurance-requirements-2021\/","title":{"rendered":"Alabama State Minimum Auto Insurance Requirements (2021)"},"content":{"rendered":"\n

According to the Mandatory Liability Insurance law<\/a>, every motorist in Alabama has to carry around liability auto insurance of 25\/50\/25 in order to drive, register, and as well as maintain the vehicle. It is crucial to remember that each vehicle in Alabama has to ensure compliance and get auto insurance coverage. The objective of the law is to ensure the safety of the public involved in accidents.<\/p>\n\n\n\n

In fact, this is where the auto insurance coverage kicks in and offers compensation for medical bills, property damage, and much more. But when it comes to auto insurance, there is more than one option available for drivers to get coverage.<\/p>\n\n\n\n

But despite what type of auto insurance coverage you choose, it would be wise to learn about the basic mandated requirements set forth by the state of Alabama in 2021.<\/p>\n\n\n\n

Auto Insurance Minimum Requirements in Alabama<\/h2>\n\n\n\n

An insurance policy that covers the Mandatory Liability Insurance law covers property damage and bodily injury. And when you combine the two elements, it comes down to liability insurance. At its core, liability insurance covers the total damage costs you owe to one or more parties.<\/p>\n\n\n\n

So, make sure to get the insurance coverage for the following amount in Alabama:<\/p>\n\n\n\n

Bodily Injury<\/h3>\n\n\n\n

BI or bodily injury requires more than $25,000 for each person and $50,000 for each accident. In simple terms, bodily injury or BI sets in motion when you\u2019re responsible for the accident that leads to injuries of other people. The good news is that bodily injury covers the costs beyond your existing insurance.<\/p>\n\n\n\n

However, there are limits to BI insurance coverage and the burden of responsibility lies on your shoulders to not stretch the financial burden. In 2021, it makes more sense to buy higher bodily injury insurance coverage. However, insurance limits differ from insurer to insurer in the state of Alabama.<\/p>\n\n\n\n

Property Damage<\/h3>\n\n\n\n

When it comes to property damage, you can avail more than $25,000 on each accident. Property damage comes into the picture when a driver causes a car accident that damages another person\u2019s property.<\/p>\n\n\n\n

After that, insurance covers the cost of property damages such as collateral damage and car repair. In some cases, an insurer also covers the cost of the municipal building. Although property damage has higher limits in AL, its exact limits depend on your insurer.<\/p>\n\n\n\n

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The Cost of Injury Insurance Coverage Limits<\/h2>\n\n\n\n

The Alabama state requires an exact amount of coverage from drivers. As mentioned earlier, you can refer to these numbers like 25\/50\/25. Essentially, these numbers car drivers should have:<\/p>\n\n\n\n