What does it mean that Alabama is a no-fault state?

Alabama car insurance laws require $25,000 of bodily injury liability coverage per person, up to $50,000 per accident, as well as $25,000 of property damage liability coverage.

Bodily injury liability insurance pays for any injuries that you accidentally cause with your car, while property damage liability coverage helps pay for any material assets that you damage while driving, like another person’s car or mailbox. Your insurance company pays up to the limit specified by...

No, personal injury protection (PIP) is not required in Alabama. PIP is not even available in Alabama. Instead of PIP insurance, Alabama insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.

MedPay is similar to PIP insurance in that both handle your medical bills even if you cause a car accident. But MedPay covers less than personal injury protection, with no provisions for lost...

Drivers in Alabama need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.

In addition, an optional but recommended type of coverage in Alabama is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.

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