What is the difference between Alabama versus Florida comprehensive auto insurance rules?


The different states have different auto insurance requirements. They also have different laws with regards to liability and how this is handled - and consequently, how insurance pays for the liability they cover. When you compare Alabama vs. Florida, one key difference is that Alabama operates is a fault state, while Florida is a no-fault state.


As a fault state, auto insurance in Alabama is based on the degree of each driver's fault.  Also called comparative or contributory negligence, insurance payments depends on the driver's degree of fault in the accident.

In Alabama, you have to prove that the other driver was at fault before the insurance company of that at-fault driver will pay for your damages. In this case, a lawsuit may need to be filed in order for one to claim damages such as medical costs, lost wages, and even compensation for pain and suffering.

In most cases, you can't file for no-fault claims against your comprehensive or collision insurance. This is just a last resort - the first step will be to claim against the at-fault driver's insurance.


Meanwhile, in Florida, which is a no-fault state, a person may claim against his comprehensive or collision cover, without needing to show proof about who is at fault.  As long as the driver has a good driving record, his losses due to injuries and property damage may be covered by his insurance company.

Under a no-fault system, you don't need to file a lawsuit against the driver at fault. But you may, if the losses you sustain exceed a set monetary amount.

Insurance Requirements

In Alabama, motorists are required to have a liability policy. You may opt to also carry collision insurance and comprehensive insurance. Alabama does not require motorists to get personal Injury Protection Insurance or Uninsured or Underinsured Motorist Insurance. For comprehensive insurance, the insurance company will pay for expenses if the driver they insure is the one that is at fault.

In Florida, motorists are required to carry Personal Injury Protection on top of a property damage liability policy. You can also opt to carry comprehensive and collision insurance. You have the option to carry Bodily Injury Liability insurance or not. However, if you are involved in a crash that injures another party, you will be fined for not carrying the coverage.

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