The Alabama Department of Public Safety reports that, every year, Alabama has more than 128,000 auto accidents. More than 40,000 of these result in significant injuries, and roughly 800 of these collisions are fatal. Some of Alabama's auto accidents are the result of bogus accident rings and other types of auto fraud.
Alabama Insurance Requirements
According to the Alabama Department of Revenue, people who drive in Alabama are required to have liability policies that have been issued by insurance companies licensed to do business in the state. Below are Alabama's minimum insurance requirements:
- $25,000 property damage or destruction
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people
Automobile Insurance Fraud
Until recently, Alabama did not prosecute auto accident fraud in and of itself. They did, however, arrest and convict a portion of the people committing criminal offenses during the commission of insurance fraud.
Alabama's Insurance Fraud Law
In 2012, the Alabama passed a law making it a crime to commit insurance fraud, with stiff financial penalties and prison time. This is making it much easier to collect and summarize figures on insurance fraud committed in the state of Alabama. Nationally, though, the Coalition Against Insurance Fraud has calculated that various types of auto insurance fraud have cost the insurance industry billions of dollars.
Alcohol-Related Accidents in Alabama
An agency that compiles nationwide alcohol-related driving statistics, AlcoholAlert.com, reports that, each year, approximately 900 Alabama drivers are in fatal car crashes. Typically, more than 300 of these fatalities are alcohol-related. Alabama ranks 14th in the nation of drivers and passengers killed in collisions where the driver had a blood alcohol level (BAC) of .08 or higher. This translates to roughly one-third of all traffic fatalities being caused by a driver who was legally drunk.
Quirky Alabama Driving Laws
Every state has its own interesting and weird traffic laws. DMV America lists the following real laws on the books in Alabama:
- It is illegal for a driver to be blindfolded while operating a vehicle.
- It is legal to drive the wrong way down a one-way street if you have a lantern attached to the front of your automobile.
- You must have windshield wipers on your car. (But you don’t need a windshield.)
Did you know that the state of Alabama is known for its scenic drives and road trips? Tourists and locals can drive one of these scenic routes and find something new, quaint or historic every time. This is all the more reason for drivers in Alabama to have adequate auto insurance.
Verification of Insurance
Alabama is in the process of implementing a system for verifying auto insurance. This is called the State of Alabama Online Verification System. In this new system, the license plate issuing official can verify insurance before releasing license plates to car owners. This new system was implemented to bring down Alabama's 22 percent uninsured motorist rate.