Auto Insurance in Alabama
In the state of Alabama, a typical driver has more than a 1 in 3 chance of being in an auto vehicle accident that involves injury or death. That statistic alone makes it clear why the state has minimum liability limits on their auto insurance. The state mandates that drivers carry 25/50/25 auto insurance coverage. This means $25,000 personal injury per person and $50,000 per accident with an additional $25,000 in property damage. At Humes Agency, we have the information you need to make sure that you are in compliance with the law and also have an auto policy that gives you the coverage you require.
Liability insurance protects the driver, passengers, and vehicle, which you might damage in an accident. The primary coverage is just that, basic and it may not be enough to protect you from a lawsuit if you have assets. We can help you determine the amount of coverage that is best for your situation.
Collision coverage is only required if you have a lease or a loan on your vehicle. If you don't owe anything on your car, it is optional coverage. It is an option you may want to consider if you find it challenging to pay for the repair or replacement of your vehicle out of your pocket. Most people count on their car to get around and get to work every day and being without one is not an option worth considering.
Comprehensive insurance is also an optional coverage except in the event you have a loan or lease on your vehicle. It protects your vehicle from damage or loss from things like weather events, vandalism, theft, and large animals.
Additional coverage options are also available, which we will be happy to discuss with you. Give our office a call or stop by and let us give you a no-obligation quote. At Humes Agency, we have knowledgeable agents who will provide you with the help and information you need to make an informed decision.