One out of five motorists in Alabama operates a motor vehicle with no liability insurance resulting in our state ranking the sixth worst in the nation. A startling statistic given in June of 2000 Alabama passed a law that stipulated, "No person shall operate, register or maintain registration of...a motor vehicle...unless the motor vehicle is covered by a liability insurance policy, bond, or deposit of cash." This requirement affects automobiles, pickups, trucks, motorcycles, motor homes, and other self-propelled vehicles.
Why does this matter to you? Liability Coverage is what pays the damages due to bodily injury and property damages to others for which you are responsible. Meaning 20% of the drivers involved in accidents have no coverage to fund the medical and property damage caused by them leaving your insurance company to foot the bill. Less people insured = higher rates for the rest of us.
The state is taking action and under the heightened enforcement plan county license plate offices will be verifying the validity of the insurance information when issuing or renewing car tags, police can now verify that the insurance has not lapsed during traffic stops and the state Revenue Department will conduct random computer checks to see if motorists have dropped coverage.
With these new measures in place we are confident Alabama move swiftly out of 6th worst in the nation and hope that those without insurance do the right thing and go get insurance or go get a bus ticket.