Auto Insurance Coverage Options for Cullman, AL Residents

As a Cullman, AL driver, there is mandatory and optional insurance coverage. Mandatory auto insurance in Cullman, AL are liability, comprehensive, and collision insurance. Here are the facts you need to know about auto insurance coverage options for Alabama residents.

Mandatory Insurance Coverage in Alabama


As a driver in Alabama, you must have bodily injury and property damage coverage. These insurance coverages fall under the category of liability insurance. Liability insurance handles the damages of an accident in which you are legally held responsible.


Under Alabama law, you are also required to carry comprehensive coverage. Comprehensive coverage handles the repairs your car needs after it is involved in an accident that is non-collision related. Incidents comprehensive coverage can insure include:

  • Fire
  • Theft
  • Vandalism
  • Contract with wildlife
  • Broken glass


Collision insurance is also required in the state of Alabama. This insurance coverage is used to repair your vehicle if you are in a wreck that involves another car or an object.

Optional Auto Insurance Coverage Available in Alabama

Optional auto insurance for Alabama drivers includes uninsured/underinsured motorist, medical benefits, and family compensation.

Uninsured/Underinsured Motorist

Regardless of who is held legally responsible car accident, this insurance covers the cost of most if not all damages, including bodily injury. Uninsured/underinsured motorist coverage also covers you if the other driver does not carry enough insurance.

Medical Benefits and Family Compensation

As a residential driver of Alabama, you can choose between medical benefits coverage and family compensation, but you can’t have both policies active at one time. Medical benefits can cover reasonable medical costs and funerals for yourself and individuals who are insured on your policy. Family compensation provides confinement, medical, and death benefits for you and other insured individuals on your policy. Medical benefits and family compensation both provide coverage and benefits regardless of who is at fault.

Here at Insurance Solutions Inc., we provide auto, home, commercial, and a variety of other insurances. There’s never been a better time to get insurance. Contact us today so we can provide you with the most suitable insurance policy for your current needs. Insurance Solutions Inc is waiting to hear from you.