Insurance Articles

In accordance with state law, no person shall operate, register or maintain registration of a motor vehicle that is designed to be utilized on public highways unless the automobile is covered by a policy containing the state’s minimum liability requirements. If the Department of Revenue discovers that a vehicle’s coverage has been cancelled, they will suspend the registration. If this becomes the case, there will be a reinstatement fee of $100 for the first suspension and the owner will need to provide proof of valid Alabama auto insurance. Fees for subsequent reinstatements will be $200 after a four month suspension of registrations have been served. Suspensions are also applicable if a motorist is caught driving a car without carrying the proper protection, as well as if they were to display false proof or refusing to furnish proof to a law enforcement officer when requested.

The minimum amount of coverage that is required is as follows; one must carry $25,000 for injury liability for one person in an accident and $50,000 for all injuries that may be sustained. There must also be a minimal limit of $25,000 for property damage (Act 2008-393). Policies must be issued by a company that is qualified and approved to issue liability coverage in AL. Drivers must always carry identification cards containing the car’s year, make, model and identification number (VIN). The names insured, name of the insurer, policy number, and the effective and expiration dates must also be stated on the card. It is the responsibility of the motorist that the dates on their documentation is current and up to date.

Online Car Insurance Quotes in Alabama

Acquiring automobile coverage has been made as quick and easy as possible thanks to the resources provided by the websites that are available on the internet. There are several sites that provide a simple way to shop for a policy. These companies provide the help every step of the way, from providing quotes to giving the ability to purchase new policies on the web. This can prove to be very time efficient and pain free compared to the old method of picking up a phone book and calling a bunch of insurers until one is satisfied with what they have found. The internet can also find valuable resources such as Alabama’s consumer guide to auto insurance which can help them understand the laws and also provides knowledge about providers in their state.

The most important step of obtaining a new policy is shopping and comparing as many rates and providers as possible. Many of the websites available will deliver the service of making a comparison absolutely free of charge with no obligation. By completing a user friendly questionnaire that is provided, the consumer can receive multiple quotes from many insurers to choose from. One can pick from basic liability, to full coverage or add on other options they may see fit and determine what will fit their budget. After choosing a carrier, they may also purchase their new coverage and receive instant proof of insurance all from the comfort of their own home or office.