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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  • by LAW ABIDING CITIZEN Location: ENTERPRISE on Mar 15, 2008 at 08:52 AM
    These laws would be great - but police officers do not enforce the present law!! Twice, my family has been hit by UNINSURED drivers and on one occasion, the officer allowed the driver to return to his vehicle and drive off! Laws are only as good as the officers who enforce them.
  • by janet Location: Abbeville on Feb 29, 2008 at 02:25 PM
    Insurance, have them to be shown when they get their tags, and that will get a lot of them. Bad when you carry insurance and then have a accident with one that doesn't.
  • by Electronic Age on Feb 28, 2008 at 09:39 AM
    WE live in a age of electric gizmo's and gadgets. How about a law that requires the Insurance Companies to notify the State when Liability Insurance has been canceled by the vehicle owner. The State should enforce the Insurance Laws if we are required to have Insurance. The current laws have little or no impact on violators. Like others have said,Only the Honest people will wind up paying for favors shown to insurance companies.
  • by M Potete Location: New Brockton on Feb 27, 2008 at 06:50 PM
    Here we go again, just another move to take the working stiff's money. Its easy for our state gov't to pass lawes to take our mony. Why don't they pass a law to enforce the law's they mke. Only the honest hard working people pay the price.
  • by Doris Location: Ozark on Feb 27, 2008 at 05:35 PM
    That is ridiculous to be with out insurance. I got a great deal thru an insurance broker with 50,000/100,000/50,000 for around $30.00 per month..if you don't have insurance, your life could be ruined by 1 accident
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