Reader Question

I just moved from California to Alabama, and just yesterday I bought a new car. I am getting car insurance next month, would like to know the minimum liability limits here in Alabama for car insurance.

James, Birmingham AL

Hi James,

With the new car that you purchased, it is good to know that you are going to get a car insurance. In the state laws of Alabama in terms of Auto Insurance there is the so-called 20/40/10, which requires every vehicle must have minimum liability coverage of $20,000 per person, $40,000 for all injuries and $10,000 as property damage liability.

The 20/40/10 is what I have here at Decatur, AL when I purchased my BMW years ago. Before you plunge into signing into an insurance contract, it is best to search for companies that offer cheap premiums and also be sure that the minimum coverage of 20/40/10 is fully satisfied in your insurance policy.

Reader Question Is there a possibility of having my driver’s license suspended or taken away from me for not carrying a proof of auto insurance in the state of Alabama ?

Sandra, Decatur AL

Hey there Sandra,

First of all girl, you gotta carry proof of auto insurance in all states, it’s the law and breaking it will cost you time and money. As to your question, there is a possibility of having your driver’s license suspended, but to the best of my knowledge this does not happened for your first offense, at least not in Alabama anyway.

However, I have been told that some police officers will ask you to present proof of insurance and you can’t show any, you will be guilty of improper conduct and will have a fine of $500.

When I would imagine if you got caught the second or third time without proof, you might face suspension or something along those lines. My dad always told me, if you cant afford auto insurance you can’t afford to drive a car.