In Alabama, laws govern the requirements for automobile insurance. Many motor-vehicle accidents happen on public roads, and insurance proceeds provide compensation for injury victims when warranted. Some important automobile insurance laws are discussed below. 

Is Automobile Insurance Required in Alabama?

Liability insurance is required for people operating automobiles on public roads. The applicable law  mandates the following coverages:

• $25,000.00 in bodily injury coverage per claimant; 
• $50,000.00 in bodily injury coverage per occurrence; and
• $25,000.00 in property damage coverage per occurrence.

The above liability insurance provides a source of financial recovery for those harmed or suffering damages due to the negligent or wrongful actions of other drivers. The respective amounts are the required minimums.

Of course, a motorist may elect to have more than the minimum level of insurance coverage. However, although it is prohibited, some motorists unlawfully operate vehicles on the road without the required liability coverages. 

What Is Proof of Insurance?

When driving on the public road, you must carry "proof" or evidence of insurance. It is documentation that reflects your automobile insurance information.

The types of evidence allowed as proof of insurance vary. Many people are familiar with proof of insurance cards. However, other forms of proof may suffice. For example, the declarations page for your current Alabama automobile liability insurance policy may qualify as sufficient proof. See Ala. Code § 32-7A-6. 

The Proof of Insurance Should be Valid 

You should not use any evidence or "proof of insurance" with knowledge that the underlying insurance policy is not in effect. In Alabama, this action is unlawful. Unfortunately, if you are involved in an accident, the other driver might provide "proof" of lapsed or expired insurance. You may find out about this only after you file a claim with the other driver's supposed insurance company and receive a denial letter.

Have Questions?

If you've been injured in a car accident and have questions about the at-fault driver's liability insurance, Hobbs Law, LLC is here to help. You can call us today at 205-683-2892 for a free consultation and get the answers you need to protect your rights. Don't wait—your case matters, and we're ready to fight for you!