Motorcycle insurance is a necessity
State law in Alabama and Florida states that you can’t own or register a vehicle unless you get it covered by a liability insurance policy. This doesn’t extend to cars you plan to only use off-road, only road vehicles. Typically, drivers need a minimum of $25,000 for death or bodily injury to one person; $50,000 for the same coverage towards more than one person; and $25,000 coverage for property damage.
Policy options vary throughout the state. Collision would cover damage to a bike even if the driver were at fault, uninsured coverage protects against drivers who don’t have their own policy and bodily injury covers legal or medical costs if an accident injures somebody else.
Alabama is an at-fault state
Alabama utilizes at-fault laws to protect drivers who experience an accident that they did not cause. At-fault states allow lawsuits against drivers who cause an accident. In some states, you cannot be sued because they are not considered at-fault in this way.
Typically, this type of lawsuit occurs if a driver doesn’t have insurance because the lack of coverage will leave the injured person without financial recourse. However, some may still try to sue a person even if they have insurance. As a result, many drivers may want to get a higher rate of liability coverage to protect themselves.
Don’t get caught without insurance
The legal troubles that surround driving with insurance make it critical to find a policy that works for you. So, if you ride a motorcycle in Alabama or Florida, you want to stay safe.