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OUT OF STATE COVERAGE

When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.

 

No-fault insurance is sold in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Texas, Utah, and Washington. Other jurisdictions except Pennsylvania and the District of Columbia have traditional tort systems. Pennsylvania and DC have hybrid insurance systems.

Alabama Car Insurance Laws


 

The minimum amount of liability insurance required in Alabama is as follows:
$25,000/$50,000 for bodily Injury
$25,000 for property damage

 

alabama state sealYou should be aware that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.
Uninsured/Under insured Motorist Coverage is not mandatory in the state of Alabama. Drivers have the right to waive this coverage, but it is highly recommended that you carry it.
All Alabama drivers must be covered by liability insurance or an acceptable alternative i.e. motor vehicle liability bond or deposit of cash. The motor vehicle liability bond must be filed with the Department of Revenue’s Motor Vehicle Division. The deposit of cash with the Alabama State Treasurer shall be a sum of not less than fifty thousand dollars ($50,000).
Alabama requires that driver’s provide proof of insurance at time of registration. Proof of insurance is required at the time of accidents.
You must carry proof of insurance at all times while in a vehicle. In the state of Alabama, you must carry minimum liability coverage of at least $25,000 for bodily injury to one person, $50,000 for all bodily injuries, and at least $25,000 for property damage.



You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.