In 2013, the state of Alabama adopted new legal requirements for auto insurance. The Mandatory Liability Insurance Law requires all Alabama drivers to carry certain minimum amounts of insurance for their vehicles. If you aren't sure whether your current plan offers enough coverage, Tim Bryan Insurance in Andalusia, AL, offers the following outline to help you assess your needs.

A Quick Guide to Liability Auto Insurance

Minimum

Liability insurance exists to cover the damage you may cause to other people or vehicles in an accident. Your minimum liability insurance obligations include $25,000 each for property damage and injury or death per person, as well as $50,000 for total injury or death. Driving without this basic insurance coverage will subject you to legal penalties.

Sentencing

If you fail to secure insurance, you'll be charged with a misdemeanor every time you're caught driving without it. For a first offense, you may receive a fine of up to $500. You may also face up to 3 months of jail time and have your vehicle impounded and its registration suspended. For subsequent offenses, the fine rises to $1,000 or more, up to 6 months in prison, suspension of your driving privileges and registration, and once again, having your vehicle impounded. Basic insurance is almost always cheaper than the penalty for driving without it.

Supplements

In addition to the basic minimums required by law, you can choose to buy supplemental car insurance to cover more of the possibilities. Collision insurance will help pay repair costs for your own vehicle after an accident, while comprehensive coverage addresses all damage to your car from factors outside your control. Medical and funeral policies cover your expenses due to injury or death. You may also want to purchase uninsured motorist insurance, which will cover your costs if the driver responsible for an accident is not covered.

If you don’t think you’re fully covered by your current auto insurance, Tim Bryan Insurance will help you understand your policy and ensure it meets all legal requirements. He offers both personal and commercial options with nationally-recognized providers for the best rates and protection. To arrange a consultation, visit the website or call (334) 222-1460 today.