Alabama Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Liability Coverage

• $20,000 per person injured in any one accident and
• $40,000 for all persons injured in any one accident

Required Minimum Property Damage Liability Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured Motorist Coverage (UM). Under Alabama law, an uninsured motorist includes an underinsured motorist. If a person chooses to purchase UM coverage, the policy must provide a minimum bodily injury or death benefit of $20,000 per person in one accident or $40,000 for all persons in one accident.