Every automobile insurance policy sold in Alabama must offer coverage for what?

Every automobile insurance policy sold in Alabama is required to offer coverage for uninsured motorist protection. This requirement is fundamentally important because it ensures that drivers are financially protected in the event they are involved in an accident with a driver who does not have insurance coverage.

Uninsured motorist coverage is designed to cover medical expenses, lost wages, and other damages that the insured may incur as a result of an accident caused by an uninsured driver. Given that the prevalence of uninsured drivers can present a significant risk, this mandatory coverage helps safeguard policyholders from the financial repercussions of accidents involving such drivers.

While coverage for medical payments, collision, and comprehensive are common options in automobile insurance policies, they are not mandated by state law in the same way that uninsured motorist coverage is. This legal requirement makes the specific coverage for uninsured motorists a critical aspect of protecting Alabama drivers and ensuring they are not left vulnerable after an accident with someone who lacks insurance.