Motorcycle Insurance in Alabama

Finding proper motorcycle insurance while enjoying the roads of Foley, AL might seem like a challenging task. Still, it can be made easy by partnering with a reliable insurance agent like Southern Risk Associates. With so many motorcycle coverages being on offer, it can be challenging to choose those that suit your budget and riding style. The good news is that we are here to dissect Alabama motorcycle insurance to its basics for easier understanding.

Is motorcycle insurance required in Alabama?

Yes, you need to ensure your bike while riding on public roads. Failure to carry valid motorcycle insurance can result in impounding your bike. Furthermore, since Alabama is a no-fault state, you can open yourself to numerous lawsuits for accidents you cause. While you can still be sued even when you have motorcycle insurance, the financial impact is lessened when you have coverage.

Below are the mandatory coverages that riders are required to include in their motorcycle insurance policy in Alabama:

Bodily injury liability: This coverage protects you when you are accused of causing physical harm to third parties in an accident.
Property damage liability: Similar to bodily injury liability, this coverage protects you when facing liability claims from other people, but after damaging their property in an accident, you are at fault.

While the state prescribes minimum amounts that you should carry in your policy, you can always increase optimal coverage.

Optional motorcycle insurance coverages in Alabama

It would be difficult to survive with the state-required minimums. Why? State minimums protect other people but not you or damages to your bike. As such, you need to consider the below options for well-rounded coverage.

Collision coverage: Covers your bike against physical damage resulting from collisions with other motorists or stationary objects.
Comprehensive coverage: Protects your bike against non-collision perils like theft, fire, and vandalism.
Medical payments coverage: Pays for medical expenses for you and your passengers when involved in an accident.
Uninsured motorist coverage: Protects you when the other driver, who is at fault for the accident, lacks proper insurance.

Are you ready for a motorcycle insurance plan in Foley, AL? Please get in touch with Southern Risk Associates for a competitive quote.