alabama-insurance-needsHow much insurance must you have to operate a motor vehicle on a public road in Alabama?

Answer:  The owner of an automobile in Alabama is required to maintain at least $25,000.00 (per person) / $50,000.00 (per incident) in bodily injury liability insurance coverage and $25,000.00 in property damage liability insurance coverage.

How much insurance coverage is the owner of a store, restaurant, or bar that sells alcohol in Alabama required to maintain?

Answer:  Under regulations adopted by the Alabama Beverage Control (ABC) Board, all businesses that sell alcohol in Alabama must maintain at least $100,000.00 (per incident) in liquor liability insurance coverage.

How much insurance coverage must the owner of a commercial vehicle maintain to operate it on public highways?

Answer:  Under applicable federal law, the owner of a commercial vehicle with a Gross Vehicle Weight Rating (GVWR) of 10,000 lbs. or more must maintain at least $750,000.00 in liability insurance coverage.

How much liability insurance coverage must a nursing home maintain to operate in Alabama?

Answer:  None.  Neither federal nor state law requires that a nursing home located in Alabama have any liability insurance coverage.

Kind of surprising?  You must have insurance to drive a car or truck, but a nursing home is not required to haveany insurance if and when a patient/resident is injured due to inadequate care.

If you have questions involving insurance, to include making a claim with an insurance company, contact The Ryder Law Firm.  We are here to help.