Which statement regarding automobile insurance policies sold in Alabama is correct?

All of the statements about automobile insurance policies sold in Alabama are accurate, making the comprehensive understanding of each critical.

Firstly, every automobile insurance policy sold in Alabama must indeed offer uninsured motorist (UM) coverage. This requirement ensures that drivers have a safety net if they are involved in an accident with a driver who does not have insurance or has insufficient insurance.

Secondly, uninsured motorist coverage is automatically included in the policy unless the insured explicitly rejects it in writing. This means that unless a policyholder takes action to decline the coverage, they are provided with it by default, enhancing their protection in case of an accident with an uninsured driver.

Lastly, Alabama law mandates specific minimum limits for uninsured motorist coverage for bodily injury, set at $25,000 per person and $50,000 per accident. This establishes a baseline level of protection for individuals who could potentially face significant medical expenses due to injuries sustained in such accidents.

These points collectively affirm that the correct answer encompasses all the correct aspects of uninsured motorist coverage as it pertains to automobile insurance policies in Alabama.