Liability Calculator

Find out if your liability limits are adequate. Free calculator shows your risk exposure and recommended coverage levels.

Liability Calculator

Find out if your liability limits are adequate. Free calculator shows your risk exposure and recommended coverage levels.

As an independent insurance agency in Alabama, TCDS Insurance Agency shops over 50 carriers to find you the best coverage at the most competitive price. We are a 4.9-star rated agency with over 164 reviews, and we were named the 2023 Agency of the Year.

Whether you need auto, home, business, or life insurance, our team of experienced agents is here to help you understand your options and make informed decisions. We take the time to explain coverage details and answer all your questions, so you can feel confident you have the right protection in place.

Ready to see how much you can save? Contact TCDS Insurance Agency today for a free, no-obligation quote. We look forward to helping you protect what matters most.

How much liability insurance do I need in Alabama?

Most Alabama residents should carry at least 100/300/100 auto liability and consider a $1-2 million umbrella policy. Your total liability coverage should equal or exceed your net worth plus future earnings at risk in a lawsuit.

What is an umbrella insurance policy?

An umbrella policy provides additional liability coverage above your auto and home insurance limits, typically in $1 million increments. It costs $200-$400/year for $1 million in coverage and protects your assets from catastrophic lawsuits.

How do I calculate my liability insurance needs?

Add up your total assets (home equity, savings, investments, retirement accounts) plus 5-10 years of future earnings. Your total liability coverage should meet or exceed this amount. TCDS offers a free liability adequacy assessment.

Is Alabama's minimum auto liability coverage enough?

No, Alabama's 25/50/25 minimums are dangerously inadequate. A serious accident can easily exceed $100,000 in medical bills alone. TCDS recommends at least 100/300/100 liability coverage, which typically costs only $20-$40 more per month.