House Raises Car Insurance Minimums

The Alabama House just passed legislation to increase the minimum liability coverage for drivers.

The good news is that if drivers get hit; now they can rest assured that their car damage will be covered.

However, this new legislation does not increase the penalty for those drivers who already are breaking the law and choosing not to be covered.

Shane Sinquefield, with the Flower's Insurance Agency said, "If someone gets rear-ended, $25,000 dollars may not be enough. So, we'd like to see limits go higher."

It’s easy enough to sign up for insurance and get your proof, but police say they are seeing more and more drivers without coverage.

Sgt. Tim Ward, with the Dothan Police Department said, "Times are getting tight, so we are seeing more vehicles that are not insured. When we do investigate and that occurs, we do issue a citation."

While tickets are a deterrent for drivers not to postpone getting insurance, agents say it's usually the first bill to go when money gets tight.

"When they passed the mandatory liability insurance law 7 or 8 years ago, there were a lot of problems with people coming in buying coverage and then two months later, canceling for non payment," Sinquefield added.

Police can't pull you over just to check for insurance; however, if they pull you over for another violation, the cost of not having insurance is probably going to equal or exceed the original ticket you're issued.

Insurance agents say the increase in liability will not drastically increase premiums for drivers, but will make sure if a person is injured in a crash, there is enough insurance money available to cover their recovery.

The increase has passed through the House, but still has to go through the Senate before the bill is approved.

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