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
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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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
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
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
- The actual liability insurance policy issued for the
- 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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