Alabama has been one of the leaders in uninsured motorists for years according to the press release found on OnlinePRNews.com. Alabama auto insurance leaders and state lawmakers want to change this statistic and are pushing through legislation to reduce the rate of uninsured drivers throughout the state.
Alabama state law says that residents must have a liability policy in place if they want to legally drive an auto. They are also required to carry proof of insurance with them in the car. Even though there is a $500 fine for first time offenders, many drivers still choose to go uninsured. The Insurance Research Council says that about 1 in 5 drivers in Alabama were uninsured in 2009. To discourage this stat, lawmakers are trying to put in place an electronic auto insurance verification database which would match up policies with autos registered in the state allowing officials and the Department of Revenue to quickly determine whether or not a given car is insured.
In order to register your car you must check a box confirming you carry auto insurance for the car, but this database would actually verify this information rather than taking the driver at their word. Obviously a handful of drivers are blatantly lying about this information so something needs to be put in place to prevent this from going on. Hopefully this type of system will encourage more drivers to keep their policy valid and choose to be truthful on their registration application.