Before you purchase your first new car and park it in your Birmingham, AL, driveway, ensure your auto insurance policy covers both your liability and your vehicle. While Alabama requires every driver to have liability coverage, this only protects other road users. Your insurance agent at Birmingham Insurance Agency LLC can help you protect your vehicle and yourself with optional coverage.
Adding Coverage
Alabama mandates auto insurance with bodily injury and property liability coverage. To safeguard your financial security, consider adding the following types of coverage:
- Collision: This covers vehicle damage incurred in an accident, whether self-caused or caused by another person.
- Comprehensive: This covers vehicle damage caused by a named peril, such as fire or vandalism.
- Personal Injury Protection (PIP): This covers injuries to a driver and their passengers regardless of who caused an accident, and sometimes covers lost time from work.
- Medical Payments: This covers injuries to a driver and their passengers, regardless of who caused an accident.
- Roadside Assistance: This covers emergency mechanical assistance, such as tow trucks, locksmiths, and gas delivery when a driver runs out of fuel while on a trip.
While some states require PIP or medical payments coverage, Alabama makes it optional.
Contact Us Today
Don’t drive in Birmingham, AL, without the auto insurance coverage you need. Let one of the helpful agents at Birmingham Insurance Agency LLC assist you in building a custom policy. Contact us today to determine the auto insurance coverage types you need and drive on Alabama’s roads knowing your finances are protected.
