Why Minimum Liability Auto Insurance Isn’t Enough

When it comes to auto insurance, many drivers focus on finding the cheapest option possible—often settling for the state minimum liability coverage. While this might seem like a smart way to save money up front, the reality is very different. Minimum liability coverage is usually not enough when you truly need it most.

What Minimum Liability Actually Covers

Liability insurance is designed to protect others if you cause an accident. It helps pay for:

• Bodily injury liability – medical expenses for other people involved.

• Property damage liability – repair costs for the other driver’s car or property.

What it doesn’t cover? You, your passengers, or your vehicle. If you’re hurt or your car is totaled, you’re on your own.

Real-Life Scenarios That Expose the Gaps

• Medical bills can skyrocket. The Alabama minimum requirement is $25,000 for bodily injury per person. If you injure someone and their hospital stay costs $100,000, guess who pays the other $75,000? You do.

• Property damage adds up fast. The minimum $25,000 property damage limit may not even cover a newer SUV, much less multiple vehicles in a crash.

• Your car isn’t covered. Minimum liability does nothing for your own repairs or replacement. A single accident could leave you without transportation.

• Lawsuits put your assets at risk. If damages exceed your coverage, the injured party can sue for the difference—going after your savings, paycheck, or even property.

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Why More Coverage Makes Sense

Upgrading beyond minimum coverage usually costs far less than people expect. Options like:

• Comprehensive and Collision – cover your own car against accidents, theft, or storm damage.

• Uninsured/Underinsured Motorist – protects you when the other driver doesn’t carry enough insurance (a common issue in Alabama).

• Higher liability limits – safeguard your income, home, and savings from lawsuits.

Think of it this way: insurance is about protecting your financial future. A few extra dollars a month can mean the difference between walking away from an accident financially stable—or facing years of debt.

How We Can Help

At C&J Isbell Brokerage Group, we help drivers in Alabama understand their risks and choose coverage that truly protects their families. We’ll review your current policy, explain where gaps exist, and customize a plan that fits both your needs and your budget.

📞 Call us today at 205-830-7754

🌐 Visit us at cjisbellbrokerage.com

✉️ Email: j.isbell@cjisbellbrokerage.com

Don’t wait until after an accident to realize minimum coverage isn’t enough. Protect yourself the right way today.