Alabama
Home, auto and health coverage notes for people in Alabama, with the Alabama Department of Insurance as the regulator.
The insurance posts, sorted by who they are written for.
AIUA is Alabama's coastal residual property market for eligible locations in Baldwin and Mobile counties, not a statewide FAIR Plan. Official limits, flood rules, and agent-only applications are on aiua.org.
Official ALDOI materials set 10- and 20-day auto cancellation notices and list midterm cancellation grounds. Residual auto coverage is placed through the Alabama Automobile Plan.
Alabama requires 25/50/25 auto liability coverage under an Alabama policy. Uninsured operation can lead to a registration suspension and a reinstatement fee.
Flood is excluded from most Alabama property policies, including AIUA policies. Buyers and owners in flood zones need a separate flood policy and should confirm limits before closing or storm season.
The Alabama Department of Insurance will review a consumer complaint after you first try the company. The official form and mailing address are published on ALDOI's File a Complaint page.
Uninsured motorist coverage is built into Alabama auto liability policies unless the named insured rejects it. The statute also covers certain underinsured situations and limits stacking inside one contract.
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