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P&C Insurance Chapter 18 Alabama Automobile Insurance Law Comprehensive Questions (Frequen, Exams of Law

Grand Canyon University (GCU)Law

P&C Insurance Chapter 18 Alabama Automobile Insurance Law Comprehensive Questions (Frequently Tested) with Verified Answers Graded A+

Typology: Exams

2024/2025

Available from 07/10/2025

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P&C Insurance: Chapter 18: Alabama
Automobile Insurance Law Comprehensive
Questions (Frequently Tested) with Verified
Answers Graded A+
In Alabama, no person may operate or register an automobile without proof of.... - Answer:
Financial responsibility.
In order to operate or register an automobile in the state of Alabama, a person must have proof
of financial responsibility. This can be accomplished by... - Answer: having the legal liability limit
for insurance in Alabama, or by posting a motor vehicle liability bond, or by a cash deposit with
the state Treasurer.
What is the legal liability limit for auto insurance in Alabama? - Answer: 25/50/25. A
comparable single limit policy would have a $75,000 per occurrence limit.
In Alabama, if someone who is operating a vehicle causes an accident that results in bodily
injury or death, or more than $250 in Property Damage, and that person has no liability
insurance in force (and they have not proven themselves to be financially responsible by other
means) then that person... - Answer: may have to post a security deposit to cover possible
damages. If security is required and not deposited, the Director of Public Safety will suspend the
license of the operator of the vehicle.
Every operator of a vehicle must have evidence of... - Answer: insurance.
Failure to show proof of insurance to a law enforcement officer who requests to see it, is a... -
Answer: misdemeanor.
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Download P&C Insurance Chapter 18 Alabama Automobile Insurance Law Comprehensive Questions (Frequen and more Exams Law in PDF only on Docsity!

P&C Insurance: Chapter 18: Alabama

Automobile Insurance Law Comprehensive

Questions (Frequently Tested) with Verified

Answers Graded A+

In Alabama, no person may operate or register an automobile without proof of.... - Answer: Financial responsibility. In order to operate or register an automobile in the state of Alabama, a person must have proof of financial responsibility. This can be accomplished by... - Answer: having the legal liability limit for insurance in Alabama, or by posting a motor vehicle liability bond, or by a cash deposit with the state Treasurer. What is the legal liability limit for auto insurance in Alabama? - Answer: 25/50/25. A comparable single limit policy would have a $75,000 per occurrence limit. In Alabama, if someone who is operating a vehicle causes an accident that results in bodily injury or death, or more than $250 in Property Damage, and that person has no liability insurance in force (and they have not proven themselves to be financially responsible by other means) then that person... - Answer: may have to post a security deposit to cover possible damages. If security is required and not deposited, the Director of Public Safety will suspend the license of the operator of the vehicle. Every operator of a vehicle must have evidence of... - Answer: insurance. Failure to show proof of insurance to a law enforcement officer who requests to see it, is a... - Answer: misdemeanor.

A person who falsifies the proof of insurance is guilty of a.... - Answer: misdemeanor If an individual submits false proof of insurance to the state, the Department of Revenue can... - Answer: suspend the owner's vehicle registration for 6 months. After 6 months, if the owner shows valid proof of insurance and pays a $200 fee, the registration may be reinstated Evidence of Insurance can consist of: - Answer: -An insurance card or a temporary insurance card issued by the insurance company -Proof that the car being operated was purchased as a replacement vehicle within the last 60 days, along with proof that the car being replaced was insured -The current Declarations page of a liability policy -A Liability insurance Binder or receipt from a Producer -A rental agreement for the vehicle specifying the rental car company is providing the liability coverage If an owner registers or maintains an automobile without the required Liability insurance, the Department of Revenue will.... - Answer: -Upon first violation suspend the registration unless proof is provided within 30 days of establishing that the required liability insurance was in effect on the verification date. If proof is provided and a $100 fee is paid the Department will terminate the suspension -Upon the second violation within a four-year period, the automobile's registration will be suspended for 4 months. If proof is provided and a $200 fee is paid the Department will terminate the suspension at the end of the 4 month period If a person alters, forges, makes or sells a counterfeit insurance card with intent to defraud, it is a... - Answer: Class C Felony If a person refuses to provide Evidence of Insurance to a law enforcement official or attempts to show Evidence of Insurance when none exists, or if a person operates a vehicle without the required insurance, it is a... - Answer: Class C Misdemeanor

If the cancellation notice does not include the reason the policy is being cancelled, the insurance company must advise the insured that they are entitled to request the reason in writing within _____ days prior to the cancellation. - Answer: 15 days What serves as the insurance company's proof of cancellation notice? - Answer: The insurance company's proof of mailing of the cancellation notice If a policy is cancelled for any reason other than nonpayment of premium, the insurance company must notify the named insured of their possible eligibility for coverage under the ___________________ _____________ _____________ ______________. - Answer: Automobile Assigned Risk Plan Automobile Assigned Risk Plan - Answer: This is a high-risk pool made up of all admitted automobile insurance companies in the state.