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Basic Information About Minimum Auto Insurance Requirements in Alabama

Basic Information About Minimum Auto Insurance Requirements in Alabama

Alabama is a state where vehicle owners must purchase liability coverage. If you do not want to buy insurance, you can choose from other options. Some of the alternative options you can choose form include motor vehicle liability bond and certificate of cash bond. The minimum requirements for the motor vehicle liability coverage is $50,000. In Alabama, the minimum injury liability requirement for a single person is $25,000. For all the passengers, the minimum requirement for the injury liability insurance is $50,000. The property damage insurances minimum requirement is $25,000 in one accident. You should buy more than the required amount of insurance so that you can avoid emptying your account during the accident. Aside buying liability coverage, you should buy other types of coverage such as uninsured/underinsured insurance or comprehensive insurance coverage.

If you are driving on the highway, make sure you carry insurance proof. There are many ways to provide proof that you meet the financial responsibility of the state. Some of the approved proofs of financial responsibility includes insurance card, certificate of liability policy, proof of vehicle purchase, car rental agreement, motor vehicle liability bond and certificate of cash bond. There are several situations where you will be asked for the proof of insurance. The police officer may stop your car and ask for the proof of insurance. If you happen to be involved in an accident, the police officer ask for proof of insurance. When you are attempting to register a vehicle, you will be asked to provide a proof of insurance.

If you fail to carry the proof of insurance, your vehicle registration can be suspended. After your vehicle registration is suspended, you have to pay a reinstatement fee. The reinstatement fee costs about $100. The vehicle registration can be suspended up to 4 months. You have to provide proof of insurance within 4 months. If this is your second offense, you have to pay a fee of $200. The Department of Motor Vehicle (DMV) can charge you additional fee up to $1000. If you offend for the second time, your driving license can be suspended for 6 months.

To avoid getting involved in a serious financial situation, you should buy more than the minimum requirement. If you only buy insurance to meet the basic requirement, you will have risks of emptying your bank account to pay for the accident cost. To find out how much insurance to buy, you should calculate the value of your properties. The auto insurance coverage will protect you from legal fees and medical costs. You can use the car insurance quote search engine to compare the cost. To use the car insurance quote search engine, you have to provide your zip code. After that, you will be asked to choose a provider. Once you have selected a provider, you can purchase the insurance policy.…

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The Difference Between DWI and DUI in Texas

The Difference Between DWI and DUI in Texas

In some states the terms are used interchangeably, but in Texas, driving under the influence (DUI) is a different crime that driving while intoxicated (DWI). Both offenses require that a person operate a motor vehicle in a public place, but the targets of the two offenses are very different.

In order to convict a motorist of driving while intoxicated (DWI), the state must prove that the person

(1) operated a motor vehicle,

(2) in a public place, and

(3) had lost the normal use of his mental or physical faculties

(4) as the result of consuming alcohol, a drug, or a combination of the two.

According to the Texas DWI Statute, if a person has an alcohol concentration of.08 or higher at the time of driving, that person is considered to be intoxicated per se.

Driving while intoxicated (DWI) is a Class B misdemeanor in Texas and carries a maximum punishment of six months in the county jail and a fine of up to $2,000. A subsequent conviction may be punished by up to a year in the county jail and a fine of up to $4,000. Upon a conviction for DWI, a motorist could see his driver’s license suspended for up to one year. Unlike most crimes in Texas, a person charged with DWI is not eligible for dismissal through deferred adjudication.

To convict a motorist of driving under the influence, on the other hand, the state must prove that the person (1) while under the age of 21, (2) operated a motor vehicle, (3) in a public place (4) after consuming alcohol. The prosecutor need not prove the driver had lost the normal use of his mental or physical faculties. The smell of alcohol alone is enough evidence to prove consumption.

Driving under the influence (DUI) is a Class C misdemeanor in Texas and carries a maximum punishment of a $500 fine and up to 40 hours of community service. A subsequent conviction may be punished by a fine of at least $500 and up to six months in the county jail. A minor may have his driver’s license suspended for 30 days on a first offense.

Since DUI is a Class C misdemeanor, a defendant is charged either in municipal court or in a justice court. Most justice courts in Texas are not courts of record so, aside from Texas Department of Public Safety driving records, there will be no record of a conviction. Even more important, since DUI is not an offense under Section 49 of the Texas Penal Code, deferred disposition is available to a person charged with the offense. However, should a person be charged with a subsequent DUI, a dismissal under deferred disposition is still considered to be a conviction.

Two similar sounding crimes, two very different offenses.…

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Auto Repair: Helpful Tips For You

Not much beats owning your own vehicle. You are able to go out and do the things you want to do, without answering to anyone else. You also run the risk of your car breaking down, and this can be a huge inconvenience. The information in this article can get you on the road again quickly.

Get a reliable battery charger and be sure it is always in your car. This will be very useful in case your battery dies or if you run into someone who needs help with their battery. It is important to not only have the battery charger but to know how it works as well in case you are alone.

You do not have to call a mechanic every time you are having car trouble. There are a few things that could be fixed very easily. It’s possible to find the information you need online. If the job is not complicated, make the repairs yourself to save money.

Keep on hand all of your car’s documentation. Store them inside the glove compartment just in case you have to see a mechanic all of a sudden. The records will be vital to your mechanic. Good documentation can help diagnose problems a lot faster.

Check to see that your technician knows what he is doing. When they don’t listen to what you say or talk to you in circles, they’re probably a scammer. Find a mechanic who seems trustworthy and knows how to answer all your questions.

Don’t forget about your windshield wipers. If you notice your wiper blades leaving streaks on your windshield, or they chatter, then it is time to obtain new blades. Wiper blades need to be replaced once every year or possibly more often depending on the where you live.

You may want to get your car repaired by a person who does work out of their own garage. Mechanics who work from home are often able to charge less because they don’t have the overhead that shops do. This can save you a lot of money, and at the same time, help out a small auto shop instead of letting a big shop profit.

Find out a little about the car parts you need before you go to a mechanic. Parts have classifications, including salvaged, new, and re-manufactured and reconditioned. New parts are made solely to a manufacturer’s specifications. Parts that are listed as “re-manufactured, rebuilt and reconditioned” means that the parts are used but restored to original condition. Salvaged parts have been used and have not been restored in any way.

There are some shops that do devious things to your car if you are not paying attention. They do this so that they’re able to make money from you being ignorant. Mark your tires so that you can check them later. If the chalk isn’t there, you’ve been taken advantage of.

Just because your vehicle is temporarily broken down, doesn’t mean you’ve got to spend all your money on expensive repairs. There are many times where you can repair your own car’s issues. By using the tips from this article, you should know when to leave the repairs to the professionals and when to tackle them on your own.…