Alabama Car Insurance Laws and Regulations
 
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Alabama Auto Insurance

Requirements of Motorists under AL State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Alabama Car Insurance Requirements

Coverage Minimum - 20/40/10

Coverage Explanation - Car insurance coverage in Alabama must provide a minimum of $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.

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Important Alabama Auto Insurance Laws!

1. All vehicles registered or operated in AL are required to be covered by a liability insurance policy.

2. You are required to carry proof of liability insurance coverage in your vehicle. The best proof of liability insurance is the insurance card issued by the insurance company.

The insurance cards are issued by companies qualified to issue motor vehicle liability insurance in Alabama, and contain the vehicle year model, vehicle make, vehicle identification number, name of the insured, the name of the insurance company, the policy number, and the effective and expiration dates of the policy.

Insurance companies often issued cards two or more times a year. Alabama motorists must be sure that the insurance card carried within the vehicle is current.

In accordance with Alabama auto insurance law, other acceptable documents to prove insurance include:

  • A temporary insurance card issued by the insurer.

  • A premium receipt or insurance binder issued by the motorist's insurance agent.

  • The current declarations page of a liability insurance policy.

  • The actual liability insurance policy issued for the vehicle.

  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.

  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.

  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.

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