State law in AL mandates that no person shall operate, register or maintain registration of an automobile unless the owner can provide valid proof of financial responsibility; this is usually done by purchasing a car insurance policy which meets the states minimum liability requirements. Currently the state’s minimum limits of liability limits which must be maintained at all times are $25,000 for injury liability for one person in an accident and $50,000 for all injuries per accident and a minimal limit of $25,000 for property damage which was made effective by Act 2008-393. In addition, all policies must be provided by a carrier who has been approved by the state to issue such coverage. Proof of a valid policy must be carried at all times and the documentation must contain the year, make and model of the insured vehicle as well as the vehicle identification number (VIN) and the names of the insured, the policy number and inception and expiration dates will also need to be stated on said proof. It is also the responsibility of the owner or policyholder to make sure that all of the information stated on the proof is accurate and valid.
Cancellation of a vehicle’s coverage can lead to fines and possible suspension of an automobile’s registration until the situation is rectified. If the Department of Revenue is notified that a automobile policy is no longer in effect, they will more than likely suspend the registration and proof of valid Alabama auto insurance will need to be submitted before a vehicle can become registered again. Additionally a fine will be assessed in the amount of $100 as a reinstatement fee for the first suspension and fees for subsequent reinstatements will be $200 after registration is suspended for four months. These consequences may not only apply to those who do not have a valid policy be can also be enforced if a motorist does not have the proof on hand at a traffic stop or by refusing to furnish such documentation when requested by a law enforcement officer.
Getting an automobile covered is as easy as every and whole lot better than dealing with the headaches of fees and suspensions of registration. Thanks to all of the online resources made available by a wide range of websites on the Internet, locating and finding affordable car insurance can be done quickly and conveniently. Numerous websites specialize in providing individuals an efficient and simple way to shop for a policy. These companies will walk visitors step by step through the process of purchasing the cheapest coverage out there. From providing multiple quotes from a wide range of reputable companies to processing an application and payment, it can all be done online and keep motorists insured and avoid breaking state laws in the process. This is much more time efficient and convenient compared to other methods such as of picking up a phone book and calling a bunch of insurers until one is satisfied with what they have found. One can also use the Internet to read the Alabama consumer guide to auto insurance become more familiar with automobile coverage in their state.
One of the most vital steps to locating not only an affordable policy, but the right one is to shop around and compare the rates of various companies which can become quite a time consuming and tedious task if one were to contact insurers individually whether online or off. Fortunately there are many websites that will do the shopping for you and some can even provide over 15 quotes from numerous reputable carriers license to do business in AL. These sites provide this service of quote providing free of charge with absolutely no obligation to buy a policy. By entering a zip code and entering basic information into a brief questionnaire consumers will be viewing and comparing some of the most competitive rates in the industry almost instantly. Whether in need of basic liability or more extensive coverage, companies can be found online in a very convenient matter. What is even better is that shopping around can be done at any time of day and transactions can be completed right on the web without having to step foot out of the house or into an office and waiting for an available representative. Even if a consumer chooses to purchase a policy with the assistance of an agent, the Internet is a great place to find the rate and company that they are looking for and then can go forth and purchase the coverage in whatever manner they desire.
