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Required Auto Insurance In Alabama
Reader’s Question:
My dad bought me a car yesterday. I would like to know the auto insurance rules in Alabama before I purchase a policy.
Beth
Mobile, AL
Owning a car is equated to a financial obligation because you are required to carry proof of financial responsibility. This rule can be burdensome because every month, a large chunk of your money will be taken away by the auto insurance company. Auto insurance however is not really an expense but a good deal of investment for you.
The minimum required auto insurance in Alabama are:
- Bodily Injury Liability: $25,000/$50,000
- Property Damage Liability: $25,000
It is highly recommended that the insured purchase auto insurance in Alabama, or in any other states, more than the minimum.
Auto insurance in Alabama suggests additional coverage other than liability insurance. Collision and comprehensive coverage, for example, pays the cost of the damage in your own vehicle. If the cause of the damage was due to an animal that you hit when it immediately crossed the road, collision and comprehensive will still cover the cost of vehicle repair. This is because the incident is beyond the control of the driver.
Uninsured/underinsured policy are additional coverage but these are not required by the states.
DUI Insurance In Alabama: Essential Tips And Facts
Reader’s Question:
I got charged a DUI here in Alabama, what’s going to happen now? I hope you can give me some information since this is the first time this has happened to me! Thanks!
Cheryl
Huntsville, AL
Every driver in Alabama should know that DUI or Driving Under the Influence is a very serious offense. Most states today, in fact, have put in place laws heavily penalizing drunk driving offenders with costly fines, suspension of driving privileges, and even jail time. Penalties become much more severe for repeat offenders. Getting the right kind of DUI insurance coverage is essential to be allowed to drive again after a DUI.
First, some facts about DUI penalties in the state of Alabama:
- $600 - $2,100 fine, up to one-year incarceration, and a 90-day driver’s license suspension for first-time DUI offenders.
- $1,100 to $5,100 fine or one year in prison or both, and one year license suspension if the second DUI offense was within five years after the first.
- $2,100 - $10,000 fine, license suspension for the next three years, and one year in prison for the third DUI offense.
- $4,100 - $10,000 fine, jail time from one to ten yeas, license suspension for the next five years and the fourth DUI offense will be treated by the state as a class C felony.
Once you are allowed to drive again, getting an auto insurance provider to file an SR22 form and give you the appropriate DUI insurance policy should be top priority. Auto insurance for DUI offenders tend to be very expensive; unless you know how, and where to find the best ones.
This is where the Internet becomes the best tool and resource that one can have when it comes to looking for the right DUI insurance policy. With many businesses offering DUI auto insurance rates, coverage and services online, it only takes a few minutes for anyone to compare offers and find the most affordable DUI auto insurance available.
The best way to find a DUI insurance provider, offering the right policy at the right price, is to compare your options. Online DUI auto insurance portals can do this easily, effectively, and absolutely for free! So save time and effort and get yourself back on the road immediately.
DUI Alabama
Reader’s Question:
What will happen to my auto insurance and what are the penalties if I get convicted of DUI in Alabama?
Jenny
Birmingham AL
Drivers in Alabama should all know that drunk driving is an offense taken very seriously. In fact, most states today have laws that impose heavy penalties, and even the very real possibility of incarceration, for drunk driving or DUI (Driving Under the Influence) offenses. Punishments are harder for repeat offenders. If this is your first time to get charged with a DUI, getting the right kind of DUI insurance for you and your vehicle is essential.
Here’s some details about what consequences a DUI offender can expect to face in Alabama:
- 1st Offense - Fines from $600 - $2,100, possible imprisonment up to one year, drivers license is suspended for a total of 90 days.
- 2nd Offense - Fines $1,100 to $5,100 or 1 year imprisonment or both, and one year license revocation, if 2nd conviction is within five years after the 1st.
- 3rd Offense - $2,100 - $10,100 fine, three-year driver’s license suspension and up to one year in prison.
- 4th Offense - Fines: $4,100 - $10,000, incarceration from one to ten years, 5 year license suspension. The 4th offense treated as a class C felony.
After satisfying your sentence/ conviction, offenders would also require an auto insurance company to file an SR22 form, aside from providing the necessary DUI insurance coverage, to help you get back on the road. Not surprisingly, this special kind of auto insurance can be very expensive, unless you know how to find the right one.
The Internet is a great source and channel for businesses - and the consumers looking for them - offering affordable or reasonably priced DUI insurance coverage in the state of Alabama. With the many online auto insurance portals, anyone can have free access to the latest auto insurance quotes and offers available in the market.
A smart consumer knows that comparing his/her options is the best way to get the DUI insurance coverage best suiting his/her needs. By using online auto insurance portals, you can compare rates from some of the best auto insurance providers a lot faster and easier. Saving you essential time and effort to get your driving again.
Cheap Liability Insurance In Alabama
Reader’s Question:
I’m looking into going with another car insurance company here in Alabama because they say that I’d be able to save that way. Also, could you give me some other ways on how to get cheap liability insurance?
Saul
Birmingham, AL
Switching car insurance companies is one of the recommended ways on how to get cheap liability insurance, most especially if you have not filed a claim with your current car insurance carrier. If you decide to do this, all you need to do is to inform your car insurance company about it. You have to cancel your old car insurance policy on the same day that you go with another company. However, don’t cancel your old car insurance policy if you don’t have a new car insurance plan yet. This is very crucial because some states would charge you some fines for the number of days that you don’t have insurance.
Bear in mind that most car insurance companies could terminate your plan whenever you like by notifying them in writing specifying the date you’d like to terminate your policy or you could do it by calling them on the phone.
To make sure that you get cheap liability insurance in Alabama, choose the insurance payment plan that best fits your budget. A number of car insurance companies would let you pay over time but it would be more than what you have to pay had you chosen to pay on an annual basis. You would have to pay a few dollars everytime you make a payment through an instalment plan. Car insurance companies have payment plans on a monthly, quarterly, bi-annually, whichever is most convenient for you.
Tags: auto liability insurance, car insurance, car insurance companies, car insurance policy, cheap liability insurance
Rental Auto Insurance Alabama AL
Reader’s Question:
I heard about these waivers from a rental vehicle company here in Alabama, are these waivers the same as auto insurance?
Harris
Dothan, AL
Rental vehicle companies provide a lot of different kinds of car insurance and waivers that widen your liability coverage and that could ease you the accountability of making a payment for a ruined rental vehicle. Loss damage waivers (LDW) as well as collision damage waivers (CDW) that are being offered by the rental vehicle company more or less substitute the collision and comprehensive coverage of your car insurance policy in Alabama. These waivers will have you excused if the rental vehicle is damaged or stolen. Several LDW’s involve the CDW and a number of waivers oblige you to pay a deductible, similar to your collision and comprehensive coverage.
These waivers from the rental car company are not insurance and for these to be real insurance, you need to buy them from a car insurance provider. This alternative is not sold by an insurer but it would be the rental vehicle company’s form of collision and comprehensive coverage. The price for these waivers would be $7 to $25 per day and it depends on the rental vehicle company and the type of vehicle that you rent. Furthermore, a good number of rental vehicle companies sell “personal effects” coverage to protect your personal properties that could be robbed from the rental car.
Tags: auto insurance, collision coverage, comprehensive coverage, rental car insurance
New Car Insurance Alabama AL
Reader’s Question:
I have already decided which car to purchase but I also need to make sure that I know all the things I need to know about car insurance. What are the steps that I need to take to make sure that I have low-cost premiums for my new car insurance here in Alabama?
Ahmad
Montgomery, AL
Aside from shopping around to get low-cost premiums for your new car insurance in Alabama, there certain things you also need to do. These include:
Making sure that Your Policy is Up to Date
You may have recently moved, a newlywed, or it has already been no less than three years since you committed your last traffic infraction. If any of these situations apply to you, make sure that you check with your car insurance provider because you could be qualified for a discount on your premiums.
Knowing the Type of Car to Buy
Prior to buying your new vehicle, find out how much it would cost to insure that vehicle. Normally, smaller vehicles that have lower horsepower cost less to insure.
Knowing if Excess Coverage is Necessary
A lot of car insurance providers offer you optional coverage such as rental coverage and this would pay for a rental vehicle while your automobile is being repaired. Although circumstances and charges differ from each car insurance provider, you may not need this kind of coverage if you could find other means of transportation.
Raising Your Deductible
Increasing your deductible can lessen your comprehensive and collision charges by 15 to 20%. You car insurance agent could demonstrate to you how increasing your deductible could lessen your insurance rates.
Asking for Discounts
You may inquire with your insurance agent if you may be eligible for some kind of discounts such as installing safety devices and for being a good driver.
Tags: car, car insurance, car insurance premiums, cheap auto insurance
Drunk Driver Insurance Alabama AL
Reader’s Question:
My brother has just gotten his driver’s license back after his DUI conviction here in Alabama. I see that he’s so worried about his auto insurance because he said that it will increase tremendously, is this true?
Nate
Mobile, AL
Well, if there is one thing that can make an auto insurance premium rise through the ceiling, it would be a driving under the influence (DUI) conviction. Apart from the risk of causing injury or death to yourself and others, drunk driving has severe consequences from your auto insurance provider.
Car insurance providers could review your motor vehicle record (MVR) only once in three years or at the time of application for a new car insurance policy. There is a possibility that accidents, tickets and drunk driving convictions will not pass their way to your brother’s official MVR. But in the event that his auto insurance provider in Alabama finds out about his DUI and tags him as a high risk driver, he still has the option to shop around for auto insurance because premiums differ widely among car insurance providers.
Then again, a premium increase could be the least of your brother’s difficulties because his car insurance could be terminated or not be renewed, especially if he is in a preferred rate class at the moment. Then he would be pushed to find new auto insurance coverage with two unpleasant conditions with him — his DUI conviction and car insurance policy cancellation under his belt.
Tags: auto insurance, driver’s license, drunk driving insurance, DUI, high risk insurance
Auto Insurance Claim Alabama AL
Reader’s Question:
I probably just have to go directly to the auto insurance company of the guy who smashed into my car here in Alabama. Since I wasn’t the one who caused the accident, can I possibly do that?
Adriano
Huntsville, AL
I presume that you got all the information of the guy who smashes into your car in Alabama, including his auto insurance company’s name, a phone number you could call to reach them and their address. If so, you are ready to be a third-party claimant since it is not going to be your own auto insurance provider whom you are filing the claim with. This may cause you less trouble that being a first-party claimant since you don’t have any responsibility to that auto insurance provider. They could not order to whom they pay the funds since they don’t have a policy agreement with you. The auto insurance companies pay the claimant directly in majority of third-party claims.
In case your car has been declared a total loss, the other driver’s insurer would probably pay only you. Needless to say, in case you have a financed car, it would be your obligation to assure your lender that they get what you owe them. Being familiar with the procedures of filing a claim could help speed up the repair of your vehicle and reduce any surprises.
Tags: auto insurance, auto insurance claims, auto insurance company
Lower Car Insurance Rates Alabama AL
Reader’s Question:
I still live with my parents here in Alabama but I already have my own car. I just wonder if I could have lower car insurance rates being a young driver and if so, how is that possible?
Noemi
Tuscaloosa, AL
Even though you already have your own car but you are still living with your parents in Alabama, you are still qualified to stay on their car insurance policy. This would certainly give you lower car insurance rates even if young drivers like you are considered higher risks. That is because your parents are in the lower risk category of motorists. This way, your car insurance premiums are cheaper that what they are going to be if you buy your own car insurance policy. But you need to ask first the car insurance provider of your parents because they might not allow this since you own your car.
There are also some other ways for you to have lower car insurance rates as a young driver. You need to go over your other insurance coverage and check you are paying for double-coverage. In case you already have family health insurance, you may opt not to have Personal Injury Protection or PIP. This coverage would pay for your medical bills in case you get into an accident. Sometimes, some auto insurance providers would let you to limit medical compensation under the uninsured motorist coverage in trade for a cheaper rate. You just need to make sure that you are not compromising the quality or your auto insurance to save some money.
Tags: car, car insurance, car insurance rates, cheaper auto insurance
Auto Insurance Reimbursement Alabama AL
Reader’s Question:
Can I keep the check my auto insurance provider gave me to cover repairs done on my vehicle here in Alabama?
Jonas
Decatur, AL
It is perfectly legal for you to keep the check given by your auto insurance provider there in Alabama, even if its purpose is to have the damages to your car repaired. However, if you have an outstanding equity loan on your vehicle this is not advisable. Your auto insurance provider might consider this a breach in your agreement and they will have all the right to either reduce the amount of coverage on your insured vehicle, or terminate your auto insurance policy all together. Also, some auto insurance providers would issue the check directly to the body or repair shop where your car was brought in to be fixed, if your car is on equity or on loan.
Even though there is no law against keeping the check, you do want to make sure you get the damages on your vehicle repaired. It would be very unwise to get that vehicle into another accident or collision since your auto insurance provider would have reduced your coverage (for not using the check issued to get the car fixed properly). This might also complicate filing additional auto insurance claims in the future since it will be very hard for the claims adjuster to determine which damages were from the actual collision, and which damages were caused by the prior accident where you kept the check. It is highly recommended to use that check you got for its original intent.
Tags: advice, auto insurance, auto insurance claims, auto insurance policy, car