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Alabama is one of only four states that follow contributory negligence law. If you are even 1% at fault in an accident, you may be barred from recovering damages from the other driver. Carrying higher liability limits is strongly recommended.
Roughly 1 in 5 Alabama drivers is uninsured — one of the highest rates in the country. Uninsured / Under-insured Motorist (UM/UIM) coverage is not required by law but is essential protection for Alabama motorists.
Alabama does not require Personal Injury Protection (PIP), but Medical Payments coverage is an affordable add-on that covers your medical bills regardless of fault.
We recommend Alabama drivers carry at least 100/300/100 liability with UM/UIM coverage. Contributory negligence makes high limits critical — one at-fault claim could leave you personally liable for amounts above your policy limit.
Alabama sits squarely in Dixie Alley, a region that experiences more nighttime tornadoes than any other part of the country. From the April 2011 Super Outbreak to annual severe weather seasons, Alabama homeowners face wind and hail risks that demand specialized coverage.
The FORTIFIED Home program, developed by the Insurance Institute for Business & Home Safety (IBHS), offers Alabama homeowners a path to meaningful premium discounts. Homes built or retrofitted to FORTIFIED standards can withstand higher wind speeds, reducing both damage and insurance costs. Alabama is one of the leading states in FORTIFIED adoption, and Select Insurance Group works with carriers that reward this investment.
Standard homeowners policies in Alabama cover wind and hail damage, but deductibles can vary significantly. We help you compare policies with flat-dollar deductibles versus percentage-based wind/hail deductibles so there are no surprises when a storm hits.
Failure to carry required workers compensation in Alabama is a Class C felony. Employers may also face civil liability for employee injuries and fines up to $1,000 per day.
Alabama requires workers compensation coverage for employers with 5 or more employees. Unlike many states, Alabama excludes farm laborers, domestic servants, and casual employees from mandatory coverage. However, even small businesses below the threshold benefit from voluntary coverage to protect against workplace injury claims.
Alabama commercial auto insurance rates have risen sharply due to nuclear verdicts — jury awards exceeding $10 million — in trucking and fleet accident cases. Proper commercial auto limits and umbrella policies are essential for Alabama businesses that operate vehicles.
Contributory negligence expertise — we build policies that protect you in Alabama's unique legal environment.
FORTIFIED Home carrier partnerships that reward wind-resistant construction with lower premiums.
Bilingual agents serving Alabama's growing Spanish-speaking communities in Birmingham, Huntsville, and Mobile.
40+ carrier options mean we find competitive rates even for drivers with SR-22 requirements or lapsed coverage.
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Alabama residents.
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Alabama requires 25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Uninsured motorist coverage is not required but is strongly recommended given Alabama's high uninsured driver rate.
Alabama follows contributory negligence, meaning if you are found even partially at fault in an accident, you cannot recover damages from the other driver. This makes carrying high liability limits and UM/UIM coverage especially important, as you may need to rely on your own policy for protection.
Yes, Alabama employers with 5 or more employees must carry workers compensation insurance. Failure to comply is a Class C felony. Farm laborers and domestic servants are exempt, but most businesses should carry coverage regardless of size to protect against workplace injury claims.
FORTIFIED is a construction standard developed by the Insurance Institute for Business & Home Safety (IBHS) that makes homes more resistant to severe weather. Alabama homeowners with FORTIFIED designation can receive significant premium discounts from participating carriers. Select Insurance Group works with carriers that recognize FORTIFIED certification.
Standard Alabama homeowners policies cover tornado damage under wind and hail coverage. However, some policies use percentage-based wind/hail deductibles that can be much higher than flat-dollar deductibles. We help you understand the difference and choose a policy that provides predictable out-of-pocket costs.
Yes. Select Insurance Group specializes in non-standard auto insurance for Alabama drivers who need SR-22 filing, have suspended licenses, or have DUI convictions. We compare rates from multiple carriers to find affordable coverage so you can get back on the road legally.
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