Alabama requires mandatory motorcycle insurance, just as it requires mandatory car insurance. A motorcycle owner must carry the legally required 50/100/25 liability insurance to drive on Alabama roadways. Going beyond the minimum requirements and carrying full coverage makes good sense though. In Cullman, AL, Insurance Solutions Inc. can help you understand coverage types and obtain the insurance you need.
What liability covers
Liability insurance covers injuries to the other parties in an accident and property damage for the other parties when you are at fault. The abbreviation 50/100/25 means the liability insurance policy covers up to $50,000 for bodily injury for each person involved in an accident, a maximum of $100,000 for total bodily injuries, and $25,000 for property damage. Keep in mind, the state minimum required insurance does not cover your injuries or property damage.
The phrase full coverage refers to carrying all available types of vehicular insurance on a vehicle. These include:
- medical payments,
- uninsured and under-insured motorist.
Collision covers damages to your motorcycle regardless of who caused the accident. You’ll only pay the deductible. Comprehensive covers non-collision items that could damage your motorcycles, like fire or theft. This also carries a deductible. Uninsured and under-insured motorist covers the damages to your motorcycle and your injuries if the other party caused the accident, but did not have insurance or their insurance insufficiently covers the damage amounts. Medical payment covers your injuries directly resulting from an accident up to your coverage limit.
You can pick and choose coverage to add to the minimum liability policy. In Cullman, AL, Insurance Solutions Inc. can help you determine which coverage type best suits you. Come by to discuss your motorcycle insurance needs.