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In Alabama, every driver is required to carry a minimum amount of liability car insurance. This amount is $50,000 in medical coverage and $25,000 in property damage protection, and it is meant to pay another driver if you cause an accident. However, this doesn't protect your vehicle, which is why many people purchase supplemental insurance. Below is more information about the different policies you can have.

What Are the Most Common Car Insurance Policies?

1. Collision Coverage

If you cause an accident, your liability insurance will compensate the other drivers for their property damage and injuries. However, it won’t cover the cost of repairing your car, which means you are responsible for fixing it. If you want compensation for this type of accident, collision coverage is a wise investment. This policy will pay to repair or replace the vehicle after an accident that you are at fault for.

2. Comprehensive Insurance

car insurance

Comprehensive coverage protects your vehicle from perils that might occur when you aren't driving. For example, if hail cracks the windshield or a fire burns the interior, your insurance provider will compensate you for the damage. It also includes coverage for theft and vandalism, ensuring you can repair or replace the vehicle regardless of the situation.

3. Uninsured/Underinsured Motorist Protection

Even though all drivers are legally required to carry the minimum amount of insurance, not all people follow this law. If one of these drivers causes an accident that damages your vehicle, you cannot rely on their insurance to pay for the repairs, which can leave you facing high out-of-pocket costs. Thankfully, investing in uninsured/underinsured motorist coverage will protect you from these situations. This policy also protects you if the medical bills and damages exceed the limits of the other driver's liability policy.

4. Medical Payments Coverage

If you cause an accident, your health insurance may not cover all of the medical expenses or pay for the necessary treatment. For instance, if you break a bone, you may need more physical therapy than the policy allows, or have to see an out-of-network doctor. Medical payment coverage pays for any bills that your health insurance won't cover, as long as they stem from an accident. This can help you avoid going into debt or losing valuable assets.

 

When you need help finding the right car insurance policies for your needs, contact HRT Insurance Group in Spanish Fort, AL. They pride themselves on giving every client the individual attention they deserve. As an independent agency, they work with a variety of carriers to help each customer find the best rates possible. Visit their website for more information about their services, and call (251) 445-8300 to request a free quote.

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