The state does not require all types of auto insurance. However, Russ Richardson Agency, serving Birmingham, AL, wants you to understand your options.
Liability
One required insurance covers the bodily injury of another person. The state has set standards for each harmed individual and for each accident. This amount could change at any time, so talk to us if you have any concerns.
Property Damage
Along with covering liability for another person, you must have property damage insurance. You will have to abide by Alabama laws concerning minimum property damage policy limits. This may include coverage of another person’s damaged car, mailbox, house, street sign, or other object.
Comprehensive
Comprehensive insurance covers many costs of damage occurring outside of driving. For instance, some policies might pay out for fires, depending on the cause. Others will cover damage caused by animals or falling debris.
Collision
If your vehicle is involved in a crash, collision insurance can help you cover the costs. Some policies also cover collisions with objects or any time a single vehicle crashes.
Uninsured Motorist
Uninsured motorists may “face civil penalties” set by the Alabama Law Enforcement Agency. That doesn’t stop other people from driving around without coverage.
We recommend you acquire this type of insurance just in case the other driver doesn’t have it. It covers you beyond what your liability insurance does.
Personal Injury
Some auto insurance policies cover the cost of medical treatment and lost wages. The right policy will provide financial assistance for both you and your passengers if injured.
Medical
Medical insurance for drivers and passengers may cover additional treatment costs. It depends on your policy. However, coverage may include funding for doctor’s visits, ambulance costs, or surgery — any medical expense related to an accident.
Russ Richardson Agency, serving Birmingham, AL, can help if you feel overwhelmed by all your auto insurance choices. Contact us as soon as possible if you have questions.
