Though it is generally accepted that all cars on Alabama roads must carry a certain amount of liability insurance, it can surprise a lot of people that motorcycles must also have a minimum amount of coverage. As with auto insurance, motorcycle insurance has state minimums as well as elective insurance options. The professionals at Insurance Solutions Inc., serving the Cullman, AL area, can help guide you through what you must have and what you may want.
State Minimum Coverage
Alabama requires that motorists carry 25/50/25 liability insurance. This means that the amount of money the policy covers in the event that you are at fault in an accident is:
- $25,000 for medical expenses per person. This means that multiple individuals are covered, but the cap of any one of them is $25,000. Regardless of how many are injured, there is a cap of
- $50,000 for the total of the medical expenses.
- $25,000 for the damage to the vehicle/property (the other party, not you).
Important to Know
Those policies being “minimums” means that policies are available that increase the amount of coverage. In addition to minimum and full coverage, there are individual policies that can be offered to suit your needs.
Uninsured/Underinsured Motorist Coverage
This protects you in the event that you are in an accident caused by another driver should that person not have insurance, or not enough coverage to meet the total damage.
Towing and Labor
Any number of issues can lead to your bike being stranded on the side of the road. Towing and labor will offer a variety of roadside assistance services.
There are several other coverage options to consider. Speak with an experienced professional from Insurance Solutions Inc., serving the Cullman, AL area, to learn what is best for your needs.