(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway unless the motor vehicle is covered by a liability insurance policy, a commercial automobile liability insurance policy, motor vehicle liability bond, or deposit of cash.
(b)(1) For motor vehicles registered in this state, all of the following shall apply:
a. The liability insurance policy or commercial automobile liability insurance policy shall be issued in amounts no less than the minimum amounts set for bodily injury or death and for destruction of property under Section 32-7-6(c).
b. The motor vehicle liability bond shall be in the amount of not less than the minimum amounts of liability coverage for bodily injury or death and for destruction of property under Section 32-7-6(c). The bond shall be conditioned on the payment of the amount of any judgment rendered against the principal in the bond or any person responsible for the operation of the principal’s motor vehicle with his or her express or implied consent, arising from injury, death, or damage sustained through the use, operation, maintenance, or control of the motor vehicle within the State of Alabama.
c. The deposit of cash with the State Treasurer shall be in the amount of not less than the minimum amounts set for bodily injury or death and for destruction of property under Section 32-7-6(c).
(2) For motor vehicles registered in another state, the liability insurance policy, commercial automobile liability insurance policy, motor vehicle liability bond, or deposit of cash shall conform to the requirements of the laws of the state of registration.
(c) Only an insurer authorized to do business in this state shall issue a policy pursuant to this section for any vehicle subject to registration under Chapter 12 of Title 40. Nothing in this section shall deprive an insurer of any policy defense available at common law.
(d) Notwithstanding subsection (c), any insurance policies issued by non-admitted insurance companies procured through Alabama licensed surplus lines insurance brokers, pursuant to Section 27-10-20 for the amounts prescribed under Section 32-7-6(c), shall be deemed to be in compliance with this chapter if the brokers are licensed with the Department of Insurance and the brokers transfer all required insurance information in the manner and frequency as prescribed by the department.
(Act 2000-554, p. 1005, §1; Act 2011-688, p. 2076, §2; Act 2025-345, §1.)
Notes of Decisions
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
· cites it 30× “Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
Alfa Specialty Ins. Co. v. Jennings, 906 So. 2d 195 (Ala. Civ. App. 2005).
· cites it 7× “Alfa also contends that the "criminal acts" exclusion at issue does not violate the public policy that the Legislature sought to address in the Mandatory Liability Insurance Act, Ala.”
McAlpine v. McAlpine, 865 So. 2d 438 (Ala. Civ. App. 2002).
· cites it 3× “The responsibilities imposed by Ala.Code 1975, § 32-7A-4, are clear enough.”
Hill v. Campbell, 804 So. 2d 1107 (Ala. Civ. App. 2001).
· cites it 3× “or death"), and Ala.Code 1975, § 32-7A-4, a part of Alabama's Mandatory Insurance Act, contain language similar to that in the uninsured/underinsured-motorists statute.”
United States v. Smith, 694 F. Supp. 2d 1242 (M.D. Ala. 2009).
· cites it 4× “As a matter of law, one may not operate any vehicle on the public roadway in Alabama unless the driver has a valid driver’s license; a registered vehicle; and liability insurance.”
Munnerlyn v. Alabama Dept. of Corr., 946 So. 2d 436 (Ala. 2006).
“According to the trial court's final order, Munnerlyn acknowledged at the hearing that "Robinson was competent to drive and that her only theory under [her claim alleging negligent entrustment] concerned a negligent entrustment to an uninsured motorist in violation of §…”
Presley v. City of Attalla, 88 So. 3d 930 (Ala. Crim. App. 2011).
“Code 1975; and CC-10-1162, driving a motor vehicle without liability-insurance coverage, a violation of § 32-7A-4, Ala.Code 1975. 1 The circuit court sentenced Presley as follows: CC-10-1159 — 12 months in the Etowah County jail and a $250 fine; CC-10-1160— 180 days in the…”
— Ala. Code § 32-7A-4(a) — 1 case
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
“Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
— Ala. Code § 32-7A-4(b) — 1 case
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
“Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
— Ala. Code § 32-7A-4(b)(1) — 2 cases
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
“Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
Alfa Specialty Ins. Co. v. Jennings, 906 So. 2d 195 (Ala. Civ. App. 2005).
“Alfa also contends that the "criminal acts" exclusion at issue does not violate the public policy that the Legislature sought to address in the Mandatory Liability Insurance Act, Ala.”
— Ala. Code § 32-7A-4(b)(2) — 2 cases
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
“Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
Alfa Specialty Ins. Co. v. Jennings, 906 So. 2d 195 (Ala. Civ. App. 2005).
“Alfa also contends that the "criminal acts" exclusion at issue does not violate the public policy that the Legislature sought to address in the Mandatory Liability Insurance Act, Ala.”
— Ala. Code § 32-7A-4(b)(3) — 1 case
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
“Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
— Ala. Code § 32-7A-4(b)(l) — 1 case
Grimes v. Alfa Mut. Ins. Co., 227 So. 3d 475 (Ala. 2017).
“Section 32-7A-4, Ala. Code 1975, provides, in pertinent part: “(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway…”
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