Back in 2011 and 2012, I wrote several posts discussing Alabama’s problem with uninsured drivers. At that time, Alabama had one of the highest rates of uninsured drivers in the United States. Those posts included:

Alabama’s Mandatory Automobile Insurance Requirement Needs Instant Verification

Update – Alabama’s Mandatory Automobile Insurance Requirement Needs Instant Verification

Instant Verification for Liability Insurance in Alabama Becomes a Reality

Alabama Prepares to Enforce Mandatory Insurance Law for Drivers

I argued for the need to implement an instant verification system for use by law enforcement. Frankly, I had counseled too many clients who suffered a severe personal injury caused by an uninsured driver. And, while Alabama legally required insurance, enforcement was a major problem. It was too easy for drivers to evade responsibility by presenting an old insurance card to the police which could not be verified. What good is a law if offenders can easily evade its requirements? What good is a law without proper enforcement?

I also counseled clients to use uninsured coverage offered in their own policies. Naturally, you want the negligent driver (and his or her insurance company) to provide compensation. However, in many instances the negligent driver had no coverage or too little coverage. In those cases, uninsured coverage on your policy becomes extremely important. It’s an important insurance coverage for your family.

Alabama did enact an instant verification system. And, it provides the much needed ability to enforce our insurance laws. This week Governor Bentley announced a continued (and steep) decline in the number of uninsured drivers on Alabama highways. That’s good news for all of us. An injury from an automobile accident can devastate an entire family.