July 15, 2018

Montgomery Car Accident Lawyer Explains the Alabama Mandatory Insurance Act

The importance of auto insurance cannot be understated, but some people still choose not to get it. There are many reasons that you may think you do not need auto insurance. However, you cannot continue holding on to your ideas because of the passing of the Mandatory Liability Insurance Law. a Montgomery car accident lawyer can help you better understand this new law.

According to statistics by the Insurance Research Council, one out of five drivers in Alabama doesn’t have auto insurance. It means that 19% of cars are not insured. This places Alabama at position six among the states with the highest number of uninsured drivers.

Due to these statistics, the state passed the mandatory insurance act. It was to ensure that you cannot drive in the state without auto insurance. There are severe penalties for those that do not adhere to this Montgomery, AL law. This is why you need an excellent Montgomery car accident lawyer if you are caught without insurance.

The Mandatory Insurance Act and How a Montgomery Car Accident Lawyer Can Help

The law states that no one is allowed to drive on Alabama roads without a full liability insurance policy. There will be consequences if you break the law. You will have to pay fines even if the authorities do not catch you without insurance. So if you are caught you will definitely need a Montgomery car accident lawyer.

Previously, drivers knew that they did not have to have current insurance coverage. All they needed was to have the auto insurance card. This was because when pulled over they were only required to present their driver’s license and proof of insurance. Many would get covered to acquire the card and then cancel their policy or let it lapse.

The police became aware and introduced a way to instantly check whether the legitimacy of the proof of insurance. The new system checks the card on the spot. Hence, the police will issue a ticket/citation if you are found not to have an active policy. At this point, it is best to contact your Montgomery, AL car wrecks lawyer. A Montgomery Car Accident Lawyer has the experience and skills to assist you.

Alabama Mandatory Liability Insurance requirements

You risk fines and getting your license suspended if you don’t have auto accident attorneys.  You need full auto insurance coverage. The conditions are as follows:

  • At least $25,000 for bodily injury or the death of one person in an accident. It covers any injuries you may cause on someone if you were at fault for a crash.
  • $50,000 for the injury or death of multiple people in a car accident.
  • $25,000 covers the property damage of another driver when you are at fault.

In total, you should have at least a $100,000 auto insurance policy. If you do, you can avoid penalties for breaking the law. Otherwise, it is best to hire car wreck attorneys. A Montgomery car accident lawyer will definitely be able to help.

Penalties for not adhering to the Act

Just like when committing any other traffic law, the penalties worsen with every similar conviction. Because this is a severe law, the sanctions are quite harsh but car wreck attorneys should help you.

First offenders will be issued a ticket/citation, charged and be required to pay a fine of not more than $500. You must pay this fine in 45 days or your license will be suspended for at least three months. Once you pay the penalty after the 45 days, you will have to pay a reinstatement fee of $200. When you reinstate your driver’s license, you have to file an SR22. That guarantees that you will maintain the minimum auto insurance needed.

The second conviction without the minimum auto insurance will earn you a $1000 fine. The fine will go up after every ticket so you need experienced auto accident attorneys. Your license will also be suspended for a mandatory period of four months. It means that you cannot apply for a Montgomery, AL temporary license. For the second and subsequent offenses, the reinstatement fee is $400. You will also have to file the SR22.

To avoid all these hefty penalties, you need to find a suitable insurance company to cover you. If you want to save some money, you can ask for a discount which most providers offer. Take advantage of that to ensure that you and other road users are protected.

Contact Montgomery Auto Accident Attorneys for Help

If you have issues concerning the Act that you need guidance on, consult our Montgomery, AL car wreck attorneys. At The Vance Law Firm, we are dedicated to helping you, so contact us if you get arrested. It is best to adhere to the law. However, if you find yourself in trouble, we have qualified auto accident attorneys to rescue you.

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