Alabama § 32-15A-5 - Insurance Exclusions; Policy Limitations.
Full text of Alabama Code of Alabama § 32-15A-5 — Insurance Exclusions; Policy Limitations., with citation guidance and answers to common questions.
§ 32-15A-5. Insurance Exclusions; Policy Limitations.
(a) An authorized insurer that underwrites motor vehicle liability insurance in this state may exclude any and all coverage and the duty to defend or indemnify for any claim afforded under a shared vehicle owner’s motor vehicle liability insurance policy, including, but not limited to, all of the following:
(1) Liability coverage for bodily injury and property damage.
(2) Personal injury protection coverage.
(3) Uninsured and underinsured motorist coverage.
(4) Medical payments coverage.
(5) Comprehensive physical damage coverage.
(6) Collision physical damage coverage.
(b) Nothing in this chapter invalidates, limits, or restricts any of the following:
(1) An exclusion contained in a motor vehicle liability insurance policy, including any insurance policy in use or approved for use, which excludes coverage for motor vehicles made available for rent, sharing, hire, or for any business use.
(2) An insurer’s ability under existing law to underwrite any insurance policy.
(3) An insurer’s ability under existing law to cancel and nonrenew policies.
Frequently Asked Questions About Alabama § 32-15A-5
What does Code of Alabama § 32-15A-5 cover?
Section 32-15A-5 ("Insurance Exclusions; Policy Limitations.") is part of the Code of Alabama, the codified statutory law of Alabama. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Alabama § 32-15A-5?
A common citation format is "Code of Alabama § 32-15A-5" (Alabama). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Alabama law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Alabama official source linked on this page or consult a licensed Alabama attorney.
How does Alabama § 32-15A-5 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Alabama can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Alabama.