Alabama Auto Insurance

These days, people use to feel the importance of an auto insurance policy. The legal way to drive a car in Alabama is to take an auto insurance policy. In this regard, the lowest liability coverage can help you a lot. Before taking an Alabama car insurance policy, you need to know few basics about it. A minimal coverage can even save you from the possible penalty which may cost you around $500. And worst you will come across a driving license suspension. Whether you are new or living in the state, Alabama auto insurance is a must have element for you. It will assist you to avoid the legalities. At the same time, you should offer more importance to the buying of cheap car insurance policy. But before that you need to know the rules and regulations for having such policy. You should know the minimum requirements first to have auto insurance in Alabama . Knowing these basics will allow you to opt for the cheap policy.

Minimum State Requirements to have Auto Insurance Policy in Alabama

If you want to drive a car in Alabama, then you must have an auto insurance policy. It's a mandatory element for all the drivers in the state. Such drivers need to have liability coverage while driving a vehicle in the state. As far as the minimum amount for liability coverage is concerned, it will cost you around $25,000 for bodily injuries and death. And the cost may go high as $50,000 for all the injuries and death caused during the accident. For property damage the cost may move for $25,000 in an accident.

Proof of Insurance:

Whether you are an avid driver, or you an amateur, you should bear the proof of insurance while driving your car in the state. The types of car insurance proof that are valid in the state are mentioned below:

• A permanent card from your insurance service provider. Sometime, these service providers may offer you a temporary card.
• The premium receipt or known as the binder
• The declaration statement of the car insurance policy
• You can even carry the actual policy statement
• Latest proof of buying the vehicle that needs to be hardly 60 days old along with the insurance card from your previous car

There are also drivers in the state who use to drive rental cars. Well, these drivers should have a rental agreement. All you need to carry a copy of that agreement while driving the car. This will work as the proof of your vehicle insurance coverage. If you are not having such proofs with you while driving a car in Alabama, and you have been found as the defaulter, then you may come across a suspension order on the vehicle's registration, and you may need to pay a reinstatement fee that will cost you $100. The suspension of tag registration will remain valid till you show the proof for having car insurance in Alabama. You need to exhibit such proof before the concerned authorities. After the first suspension, if you have been caught again while driving the car in the state without any auto insurance, then the mandatory four months suspension letter will be issued against the vehicle's registration. In such case, the reinstatement fee will move up to $200.

alabama auto insurance

What are the Alternative Forms of Coverage?

If you are not having the liability vehicle insurance, then you can opt for the liability bond or you can deposit the cash. In either case you have to pay a minimum of $50,000. The liability bond will be issued on the basis of few conditions like the payment have been deposited for any sorts of decision against the bond owner with our without the consent of the person. And this will be valued or come into act in case of any injury or the damages that will be created by the person concerned. This sort of liability bond needs to be executed by one of the surety agency which has been licensed to offer these bonds. As a driver you should keep that Liability Bond agreement with you. You can exhibit it as your proof of car insurance in the state when required.

Cash Deposit Certificate

This sort of certificate will be issued when you will deposit $50,000 at the State Treasurer. You are also required to carry the certificate so that you can use it as the proof of car insurance. If at any instance the deposited amount will be used to carry on the judgement, then you will get 30 days for the reinstating the $50,000 cash balance at the State Treasurer's end.

What elements will decide the premium amount for having Alabama auto insurance?

Most of the time driving habits and driving records use to play an important role while fixing the premium amount. This has been considered as an essential fee. It's the further calculation for car insurance in Alabama that often depends on few other factors such as:

• Age of the driver
• Type of the vehicle
• Place of your residence

DUI/DWI Law in ALABAMA:

Alabama DUI and DWI laws are similar to the other states; these laws also include both the criminal activity and the case from Department of Public Safety driver's license which may lead the way for an arrest of the accused person. If you have been caught under drunk driving in Alabama, then you will have 10 days to submit the request at the Alabama Department of Public Safety. In Alabama if a person has been convicted with the DUI/DWI, then he or she need to meet the court referral officer as this is mandatory. With addition to the punishments that have been imposed on the convicted person, few judges will be there to determine the community services that can be added as a matter of restitution. There are few aspects of DUI in Alabama and knowing them can offer you more help when you want to apply them for you case.

Punishments for the convicted person if found guilty (Civil case):

• 1st DUI conviction: Your license will be suspended for 90 days. If you will refuse to take the breathalyzer test, then the license will be suspended automatically for 90 days
• 2nd DUI conviction: Your driving privileges will be cancelled for one year
• 3rd DUI conviction: Your driving privileges will be cancelled for 3 years
• 4th or known as the subsequent conviction: Your driving privileges will be cancelled for 5 years

Alabama DUI punishments if found guilty (Criminal):

• 1st DUI conviction: Minimum fine amount will be $600 and shouldn't move more than $2,100. The accused may move for one year in jail.
• 2nd DUI conviction: Minimum fine will be $1,100, and maximum amount will be $5,100. You may come across maximum 1 year in jail. However, this will add 5 days in jail for your account which is mandatory.
• 3rd DUI conviction: the fine amount will be a minimum of $2,100, and maximum of $10,100. One year jail may be declared for you. And under this act you will come across 60 days in jail which is mandatory.