Alabama has no tow-specific insurance rule — wreckers are expressly excluded from PSC jurisdiction, so the general $25,000/$50,000/$25,000 auto liability floor applies. No state on-hook, garagekeepers, or cargo minimum exists, and tow operators file no Form E.
Law: Ala. Code § 32-7A-4(b)(1), cross-referencing § 32-7-6(c) · § 32-7A-4
No tow-specific rule found. Alabama PSC Rule 2.3 expressly excludes wrecker service from PSC jurisdiction, so PSC motor-carrier insurance rules (including Form H cargo) do not apply to towers; general auto floor given. No state on-hook, garagekeepers, or cargo minimum in §§ 32-7A-1–7A-7, Title 32 Ch. 13 (abandoned vehicles), Title 41 Ch. 27 Art. 3 (nonconsensual towing fees), or ALEA Admin. Code r. 760-X-1-.25 (the word 'insurance' appears nowhere in the rule). Rotation-layer caveat: ALEA Rule 760-X-1-.25 references an internal, unpublished 'Towing and Recovery Services Policy' — if it sets insurance conditions for ALEA-approved rotation services, they could not be verified from a primary source. Municipal rotation lists set their own requirements locally. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.