Alabama Auto Insurance

Some people want to know why, if auto insurance is a requirement of driving a car in the state of Alabama, so many people are getting away without having it? The state’s liability car insurance law “clearly” states that all drivers must have the insurance, and that operating a motor vehicle without car insurance is against the law.

However, a loophole in the system allows people to drive without car insurance. According to the latest statistics, one in four drivers in the state of Alabama do not have car insurance. Some people are too cheap to buy it, many just cannot afford it. However, for everyone who drives with car insurance it is just not fair when they get into an accident with an uninsured motorist and their car insurance rates go up because their auto insurance company had to pay for it.

The problem is that when you apply for your vehicle registration, or if you get stopped by a policeman, you can show the card that came with your once upon a time car insurance, because there are no dates that say that the policy is no longer in force. This makes it look as if you have car insurance when you don’t. You don’t even have to keep the car insurance; you just get the card and then cancel the insurance.

Roughly 25% of drivers are taking advantage of this, and the legislature is trying to crack down on it. They say if they can get cops to check to see if they actually have insurance at roadside stops, then they would nab many of them doing this. However, for the police to be able to do that they have to have a system that would allow for it – so the state is working on that as well.

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