Auto insurance is required. But that doesn’t mean you don’t have choices.
Minimum coverage is rarely sufficient. In Alabama, the state mandates only liability insurance. This law sets a baseline of $25,000 in bodily injury liability per person and a total of $50,000 for any accident. This also includes another $25,000 in property damage protection per accident. This is commonly listed as "25/50/25" coverage. This means these thresholds are the maximum payout you would receive from your insurance provider.
For this reason, Harris Insurance recommends upping your coverage. Serving Jasper, AL, the agency lists six options to add to expand your auto insurance to gain more protection.
This covers damage to your vehicle in the event you collide with an object or another vehicle.
All other damage falls under comprehensive coverage. This includes theft, vandalism, falling objects, or weather-related damage.
If you are involved in an accident with another driver who has inadequate or lapsed coverage, this kicks in. It may reimburse for damage, bodily injury, and any medical bills.
As the name implies, this coverage pays for medical expenses following an incident. This applies no matter who is at fault.
Avoid being stranded. Roadside assistance helps with towing costs, battery jumps, flat tires, and other costs incurred if your vehicle breaks down on the roadway.
Rental car reimbursement
Following an accident, your car may need repairs or replacement. These policies fill in that gap, reimbursing for rental car expenses while your primary vehicle is being fixed.
Contact an agent in Jasper, AL
Bare minimum coverage is never the best. In the event of an accident, too little protection can lead to crippling out-of-pocket costs. Harris Insurance can evaluate your needs and find the right auto insurance policy for you. Call today.