What Alabamans Need To Know About Insurance And Traffic Law

For the most part, buying car insurance and driving safely in Alabama isn’t so much different from buying car insurance in California, Georgia, New York state or anywhere else, but every state has its little quirks when it comes to insurance law and practices, so here’s what you need to know in Cullman, AL:

  • Alabama Minimums

The minimum required insurance in Alabama is $25,000 per person for bodily injury and $50,000 total per accident for bodily injury. Bodily injury is the really important part of car insurance. Insuring your car is one thing, you can buy pretty much any level of car insurance you’re comfortable with on that front. The real purpose of mandatory insurance is to protect people who are seriously injured in car accidents.

  • Alabama Is Not A No-Fault State

No-fault states follow some provisions that are intended to simplify the legal process. Mainly, drivers are required to insure themselves, and their insurance companies cover them in the event of an accident. This is not the case in Alabama, so if you are in an accident and it is found to be the other driver’s fault, for instance, then you may need to pursue the other driver’s insurance company for compensation.

  • The Rear-End Driver Might Not Be At Fault In A Collision

If you rear-end someone because they slammed their brakes on without warning, then the courts may find that person at fault. In Florida, for instance, the rear-ending driver is automatically found at fault, but this is not the case in Alabama.

With adequate coverage and safe driving practices, Alabama is one of the greatest places in the world to go for a cruise. Contact Insurance Solutions Inc. for some free quotes.