How Much Auto Insurance Do You Really Need?

Your auto insurance is an important protection for your financial stability. Basic coverage is required by law, but you may need additional insurance, depending on your circumstances. Robinson Insurance Group LLC can help you to find the right coverage for your unique needs. 

Each State Sets Its Minimum Requirements For Insurance

Every state determines its own financial requirements for auto insurance. The state of Alabama sets its bodily injury liability limit at $25,000 per person and $50,000 per accident. The property damage limit is set at $25,000. No other requirements are set in the state, but you may wish to add additional coverage for your needs.

Different Types of Additional Coverage Are Available

Liability insurance limits are set at a low level by law which may not necessarily be enough to cover you if you are sued. You may wish to purchase higher levels of liability insurance.

Although uninsured motorist coverage is not required in Alabama, it’s a good idea to have this coverage to pay your medical costs if an accident is caused by an uninsured motorist or someone who has insufficient insurance. Collision insurance defrays the costs of repairing your vehicle after an accident. This type of insurance is often required for leased vehicles. Personal injury coverage pays for medical costs if you or your passenger is hurt in an accident. Gap insurance helps to cover the difference between the value of your car and how much you still owe on the vehicle.

Looking for Auto Insurance?

The experienced insurance professionals at Robinson Insurance Group LLC can answer your questions about coverage to ensure you have the right policy for your unique situation. Contact us today for a no-obligation quote on auto insurance to protect you while you are on the road.