Yes, anyone that operates a motorcycle in Alabama is required to have liability insurance coverage. While an accident will hopefully never happen, motorcycle insurance will offer protection to help cover the cost of another persons' injury or property damage (up to the limit that you purchase). In Alabama, the minimum liability limits are:
If you feel that the minimum coverage is not sufficient, Highpoint Insurance Group will work with you to determine how much liability coverage is right for your needs and total assets.
While having the minimum liability coverage is required for motorcyclists in Alabama, you can always opt to purchase additional coverage. When deciding on how much coverage to purchase, it is important too not only consider factors like your total net worth but also whether you have income from a spouse and what your liabilities are. The more coverage purchased, the higher your premium, but the more money that insurance company will cover towards the cost of damage or medical expenses due to an injury. At Highpoint Insurance Group, our trained and friendly staff will work closely with you to understand your needs and help you purchase the best policy for you.
Driving a motorcycle is a favorite pastime of many, but it can also be dangerous for yourself and others on the road in the event of an accident. While an accident will hopefully never happen, having adequate motorcycle insurance is not only required in Alabama but will also provide peace of mind to the operate.