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Uninsured Motorists in Alabama Face Civil Penalties Effective November 1


Last week the Alabama Law Enforcement Agency announced that beginning Wednesday November 1, 2018 the agency will enforce the 2016 Alabama Mandatory Liability Insurance Law (Act#2016-361) that includes civil penalties. The MLI law provides that no person shall operate, register or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy.

The grace period providing motorists an opportunity to obtain the necessary insurance coverage has ended. According to Alabama's Secretary of Law Enforcement Hal Taylor, "...motorist are subject to a civil penalty if involved in a motor vehicle incident, the vehicle you are operating is not covered by the state's mandatory liability insurance and you are not issued a citation for no insurance at the time of the incident."

The fines for the civil penalties are:

  • $200 for first offense
  • $300 for second offense
  • $400 each for third or subsequent offences

In addition, Secretary Taylor said, those individuals will face a 90-day driver license suspension if they do not pay their civil penalty with 45 days or request a hearing with the Alabama Law Enforcement Agency's Driver License Division.