Auto Insurance FAQs in Montgomery, AL

Anyone who owns or drives a vehicle typically must have at least the minimum levels of coverage required by state law. This may include new drivers, families with multiple cars and those who drive for work or commute.

Most states may require drivers to carry liability insurance, which can pay for injuries or property damage you may cause to others in an accident. Minimum coverage may include:

• Bodily injury liability per person
• Bodily injury liability per accident
• Property damage liability per accident

You can choose higher limits and add coverage beyond these minimums.

Beyond required liability insurance, you may want to consider the following:

• Collision coverage can help pay for damage to your car after an accident.
• Comprehensive coverage may cover non-collision events like theft, vandalism or weather damage.
• Uninsured/underinsured motorist coverage may apply if you are hit by a driver with insufficient insurance.
• Medical payments (MedPay) coverage can help cover medical expenses for you and your passengers following an accident, regardless of who’s at fault.

Different factors can influence your premium, such as:

• Type and age of your vehicle
• Driving history and experience
• Where you live and drive
• Coverage limits and deductibles you choose

Our team can guide you through coverage choices and match you with suitable options. Contact Global Insurance and Services today to review your coverage or get a free quote.