Teen Auto Insurance Mobile AL
Reader’s Question:
How old do I have to be to obtain my own auto insurance policy? I am only 18 years old and I live in Mobile, Alabama. Thank you.
Jean
Mobile, AL
According to the Alabama Department of Revenue Alabama law does not provide for a minimum age requirement to own an automobile so if there is no age restriction on owning or registering a car then their should not be one for obtaining auto insurance.
Even without a state law restricting you from buying auto insurance you are likely to have extra steps to take in order to get car insurance if you are are a teenager under 18 and thus still considered a minor. For registration, normally, financing and legal documents or insurance contracts will be signed and if you are a minor and usually they will require you to have a parent or guardian sign on the forms with you.
Insurance carrier guidelines can differ for a teenage driver so you may need to shop around for coverage however you should be able to get Mobile Alabama auto insurance for a vehicle you own at age 18.
Car Insurance SR22 Huntsville AL
Reader’s Question:
I live in Huntsville, Alabama and I was charge with DWI. How long does one has to carry an SR22 in my state?
David
Huntsville, AL
The penalties for a first time conviction of a DUI or DWI in Alabama is a fine of $600 to $2,100, up to one year in jail or by both fine and imprisonment. Plus the person’s driver’s license will be suspended for 90 days.
Other than the penalties listed above, those convicted of Driving under the Influence in Alabama are also required to carry an SR-22 insurance and attend and complete a DUI or substance abuse program.
Under normal circumstances in Alabama the SR2-2 will be required to be maintained for a period of three years. But, the DPS should inform you how long you will actually be required to file SR22. You may contact the Alabama Department of Public Safety to find out for sure how long you will be required to hold a SR-22 if you have been convicted of a DUI/DWI violation.
Auto Insurance Birmingham AL
Reader’s Question:
I got involved in a minor accident without auto insurance in Birmingham Alabama. I’m afraid it was my fault but since I didn’t have any auto insurance and it was just really minor accident I didn’t stop. What should I be expecting after this?
Eli
Birmingham, AL
The minimum auto insurance requirements in Alabama is of 20/40/10. This stands for liability limits of $20,000 for the bodily injury coverage for one person, $40,000 of bodily injury coverage per accident and $10,000 for the property damage coverage.
The penalty for drivers found driving without auto insurance in Alabama can vary but range typically from a $500 fine and potential license suspension for the first offense up to a $1,000 fine and license revocation for multiple offenses. It looks like you also did not stop after the accident which this could be considered a hit and run and could come with stiff penalties of its own if the other motorist got your license plate and reported it to the authorities.
You should get auto insurance on your car before driving anymore on the roads of Alabama.