There are a number of different types of auto insurance coverage, some of which are mandatory, and others that are purely optional. If you understand what's available, you have a better chance of designing a policy that fits your budget and your individual needs. To help you do that, Enterprise Insurance Services, the premier auto, home, life, and farm insurance agency in Coffee County, AL, offers an introduction to vehicle insurance in the following sections.
Your Guide to Auto Insurance
What Coverage Is Required?
In Alabama, state law requires drivers buy liability coverage that pays at least $25,000 for bodily injury or death per person, to a maximum of $50,000 per accident. Also, you must buy coverage that pays at least $25,000 worth of property damage. All other coverage types are optional.
What Is Full Coverage?
Full coverage includes at least the minimum state liability requirement, and typically includes collision coverage, which reimburses you for damage incurred to your vehicle in on-the-road accidents. It also includes comprehensive coverage, which pays you for non-collision losses, such as fire, vandalism, and theft.
What Other Coverage Is Available?
You can also choose medical payments coverage, which pays for treatments for injuries you or your passengers suffer. Funeral coverage pays for final expenses if lives are lost on the road. And under- or uninsured motorist coverage pays your repair bills or medical expenses that would normally have been paid by the at-fault driver's insurer.
To purchase auto insurance or to see if you can lower your rates, contact the experts at Enterprise Insurance Services, the most trusted vehicle insurance agency in Coffee County, AL. For your convenience, they operate a second location in Daleville, AL, as well. Both offices are staffed by knowledgeable professionals with considerable experience. Visit their website to view location details, or call (334) 347-9133 to request a quote.