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Liability Auto Insurance
Liability coverage typically helps to provide you with peace of mind. Why? Because it helps protect you from covered damage your car does to other and damage for which you are legally liable.
Liability - Who’s typically covered:
- You, family members or relatives who live with you when (A) driving your car or (B) driving other cars with that vehicle owner’s permission.
- Other people driving your car when you’ve given them permission.
Liability - What’s typically covered:
- It pays for you (and those covered by the policy) for legal defense costs, cost of bail bonds, and emergency first aid to others.
- It pays the people you’ve injured for property damage, loss of services, bodily injury, sickness, medical services, disease, loss of income and death.
How to read liability limits
The following information will help you understand the table of liability limits.
First number: bodily injury liability maximum for one person injured in an accident.
Second number: bodily injury liability maximum for all injuries in one accident.
Third number: property damage liability maximum for one accident.
So, looking at the table, you find that in Alabama the minimum liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.
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