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The Dangers of Only Having Liability Car Insurance in Alabama

happy family in car with liability insurance

The only car insurance Alabama drivers in the state are legally required to have liability coverage. If you’re looking for affordable auto insurance, you may be tempted only to have liability coverage.

However, it’s really dangerous to drive only with liability insurance. Read on to find out why and how to find cheap car insurance in Alabama.

What Liability Insurance Covers

Liability insurance is designed to pay out if there is an accident for which you are legally responsible. Specifically, it will pay for property damage and bodily damage that you cause up to the limits of your coverage.

Putting Your Car at Risk

The whole point of liability car insurance is to protect others against damage you may cause. However, relying only on liability coverage is a bad idea, especially if you have a teen driver.

Imagine you get in a car accident on the interstate, and it’s another driver’s fault. Their liability insurance is meant to pay for damage to your vehicle. But if their limits are really low or they don’t have liability insurance, you’ll be stuck with a hefty repair bill. In some cases, your car may be completely totaled.

Collision insurance adds an extra layer of protection to your car. Even better, collision coverage will pay for damage to your vehicle even if you are at fault. And it is still entirely possible to find ways to save on car insurance while having collision coverage.

The Danger of Other Drivers

Other drivers may help cause an accident you are later found legally liable for. And you are always at risk of being hit by an uninsured or underinsured motorist. In addition to the possible damage to your vehicle, this could leave you with serious medical bills and injuries that may cause you to miss work or even lose your job.

If you only have liability car insurance, you are at constant risk of these things happening every time you hit the road. But if you take on extra insurance in the form of Uninsured and Underinsured Motorist Coverage, you don’t have to worry as much about the coverage of other drivers in the event that you are in an accident.

The Risk of Unpredictable Weather

car in motion in rain big puddle of water spray from the wheels

Depending on the season, you may be at serious risk of tropical storms and tornados in Alabama. And in the spring and summer, it seems like there are constant warnings about unexpected flash floods.

Unfortunately, flooding isn’t covered by your liability insurance. So if your car is damaged or destroyed by a major flood, the only thing you can do at that point is take the loss and buy another one. Unfortunately, not many people can afford to do that!

If you’re worried about flooding, though, you can always add comprehensive coverage to your insurance policy. While “comprehensive” doesn’t cover every scenario, it helps you repair or replace any vehicles lost in the flood.

Theft and Vandalism

The fact is that your vehicle is always at risk of theft and vandalism. And because these things happen when you’re not behind the wheel, they are not covered at all by liability car insurance.

So, if someone could steal your car, the only way to recoup the loss is through comprehensive coverage. The same comprehensive coverage that protects you from flooding and other weather-related incidents also protects your car from theft and vandalism.

Keep in mind that the policy alone won’t keep your car from being stolen or vandalized. But the coverage will help repair or replace the vehicle and any specialized parts that are stolen or damaged by others.

Danger: Animal Crossing

If you live in Alabama, “animal crossing” refers to the constant threat of deer and other animals walking in front of your car while driving.

In some cases, this can happen when you are traveling on the highway at high speeds. And this can be enough to seriously damage or completely total your vehicle.

Even if they survive, you can’t exactly sue a deer for damages to your vehicle. But if you have comprehensive insurance coverage, you’ll be able to repair or replace your car and get right back on the road.

Accidents that Don’t Involve Other Cars

Hundreds of drivers each year are in car accidents that involve no other drivers. Instead, these accidents are caused when drivers accidentally back into signs in parking lots or back into telephone poles in the neighborhood.

When no other drivers are involved, you can’t count on anyone else’s liability insurance to pay for the damages. Your own liability insurance won’t pay so much as a penny for this kind of accident.

However, collision coverage will help protect you in the event of these incidents. And it will continue to provide coverage to your vehicle in future accidents whether or not you are at fault.

Get Better Insurance Coverage Today

At USAgencies, we specialize in protecting you and your family. If you’re ready to get the best car insurance for your needs and budget, request a quote online, call us at 800-420-3712, or you can come to visit us at the nearest office.