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5 Kinds of Insurance Every Driver Should Consider

J. Curt TannerBy J. Curt Tanner | April 10th, 2017

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Everyone should have car insurance, and when you are purchasing car insurance, it is important to take the time to make sure you buy the right kind and amount of coverage for you and your family. There are 5 different kinds of coverage that every motorist should consider.

1) LIABILITY COVERAGE

Liability coverage is the minimum coverage any motorist should have. There are two types of liability coverage – coverage for Bodily Injury and coverage for Personal Property. In Alabama, drivers are required to carry liability coverage.  The minimum coverage requirement in Alabama is $25,000.00 per person per wreck and $50,000.00 maximum per wreck. So for example, if you are quoted a 25/50 limit for bodily injury, it means that the insurance policy will cover up to a maximum of $25,000.00 per person injured in an accident and a maximum total of $50,000.00 in claims for a single accident. If a driver is legally responsible, or “liable” for damages, Liability coverage helps pay for them.

Every driver should have the maximum amount of liability coverage they can afford because an individual can be liable for damages after the maximum limits of the insurance policy have been exhausted.

2) COLLISION COVERAGE

Collision insurance covers your vehicle if you hit another vehicle or a fixed objected like a pole or guardrail. Collision coverage helps pay for damages to your vehicle.

3) COMPREHENSIVE COVERAGE

This insurance covers your vehicle for damages that may occur for things other than wrecks or collisions such as theft, hail damage, floods, vandalism, animal collisions, etc.

4) UNINSURED/UNDERINSURED MOTORIST COVERAGE

This insurance provides liability (Bodily Injury and Property Damage) coverage for you if an uninsured or underinsured motorist is at fault in an accident. A 2014 study by the Insurance Research Council (IRC) found that at least 1 in 8 drivers are completely uninsured and around 30% of drivers do not have enough insurance. The Insurance Information Institute recommends that all drivers have at least $100,000 in UM/UIM coverage. Click here to learn more about this kind of insurance coverage.

5) MEDICAL PAYMENTS

If you or anyone else in your car is hurt in a wreck, medical payments coverage can help pay for medical expenses.

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At Cory Watson Attorneys, we have made it our mission to fight for the rights of injury victims and their families for more than 30 years, and have recovered over $3 Billion for our clients.

Call (877) 562-0000 or fill out our online form to arrange for your FREE and CONFIDENTIAL case evaluation.

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Alabama Rules of Professional Conduct require the following disclaimer: Case descriptions, recoveries and testimonials presented here are not an indication of future results. Every case is different and must be evaluated on its own facts and circumstances as they apply to the law. Litigation outcome and valuation depend on many factors including jurisdiction, venue, witnesses, parties, testimony and documentary evidence. Furthermore, no representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.

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