Alabama High Risk Auto Insurance
Some of the Alabama insurance company offerings include State Farm, Progressive, GEICO, Liberty Mutual and Traveler's. Alabama law requires Alabama drivers to be covered by liability insurance in order to operate a motor vehicle. A minimum coverage of $25,000 injury and $50,000 for all injuries as well as $25,000 property damage is required by law. If someone doesn't have proof of insurance, they must carry a bond or deposit of cash showing they have $50,000 readily-available in case of an accident.
If an Alabama driver is found to be driving without proof of insurance, their vehicle tag registration is suspended and a $100 fine is required to have the tag reinstated. If this occurs multiple times, the car owner will have a four-month suspension as well as pay a $200 reinstatement fee each additional time this occurs.
Proof of insurance includes:
- Insurance company policy card
- Premium binder or receipt from your agent
- The actual policy in writing
- Proof of purchase of a car in the last two months and valid insurance card from the previous car owned
Renting A Car
When renting a car, the rental agreement will state the specific insurance coverage you have purchased. This coverage agreement can be shown to a police officer as proof of insurance.
As with all high risk auto insurance, it is critical to do your research before purchasing this important coverage.