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State statute · Alabama

Alabama Code Title 32 (Motor Vehicles and Traffic) Chapter 7

Motor Vehicle Safety-Responsibility Act (32-7-1 to 32-7-43), including 32-7-23 owner liability insurance and uninsured motorist coverage

Publisher
Legislative Services Agency of the Alabama Legislature
Edition
Code of Alabama as served by ALISON on 2026-09-29
Last checked
2026-09-29
Status
Code of Alabama, public domain
Edition and licensing notes

Publisher. Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us)

Status. Code of Alabama, public domain (state government edict).

Read the official textPractice questions from this source

What this document is

Alabama Code Title 32 (Motor Vehicles and Traffic) Chapter 7 - Motor Vehicle Safety-Responsibility Act (32-7-1 to 32-7-43), including 32-7-23 owner liability insurance and uninsured motorist coverage is a state statute published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us). It is one of the Alabama documents that insurance license exam questions are written from, including alabama property & casualty, alabama personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • Ala. Code Section 32-7-7(3) (Further Exceptions to Requirement of Security)
    “(3) The owner of a motor vehicle if at the time of the accident the vehicle was being operated without the permission of the owner, express or implied, or was parked by a person who had been operating the motor vehicle without the permission.”
  • Ala. Code Section 32-7-22(f)(1) (Motor Vehicle Liability Policy Defined; Policy Provisions)
    “The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by the motor vehicle liability policy occurs. The policy may not be cancelled or annulled as to that liability by any agreement between the insurance...”
  • Ala. Code Section 32-7-23(a) (Uninsured Motorist Coverage)
    “provided, that the named insured shall have the right to reject such coverage; and provided further, that unless the named insured requests such coverage in writing, such coverage need not be provided in or supplemental to a renewal policy where the named insured had rejected the coverage in...”
  • Ala. Code Section 32-7-23(b)(4) (Uninsured Motorist Coverage; Uninsured Motorist Defined)
    “(4) The sum of the limits of liability under all bodily injury liability bonds and insurance policies available to an injured person after an accident is less than the damages which the injured person is legally entitled to recover.”
  • Ala. Code Section 32-7-2(10) (Definitions; Proof of Financial Responsibility)
    “Proof of ability to respond in damages for liability, on account of accidents occurring subsequent to the effective date of the proof, arising out of the ownership, maintenance, or use of a motor vehicle in the amount of twenty-five thousand dollars ($25,000), because of bodily injury to or death...”
  • Ala. Code Section 32-7-5 (Report Required Following Accident)
    “The operator of every motor vehicle which is in any manner involved in an accident within this state, in which any person is killed or injured or in which damage to the property of any one person, including himself or herself, in excess of two hundred fifty dollars ($250) is sustained, shall within...”
  • Ala. Code Section 32-7-27(a) (Money or Securities as Proof)
    “Proof of financial responsibility may be evidenced by the certificate of the State Treasurer that the person named in the certificate has deposited with him or her $50,000 in cash, or securities that may legally be purchased by savings banks or for trust funds of a market value of $50,000. The...”
  • Ala. Code Section 32-7-36 (Exceptions)
    “Any person, firm, association, or corporation licensed and engaged in the business of renting or leasing motor vehicles to be operated on the public highways shall only be required to furnish proof of financial ability to satisfy any judgment or judgments rendered against the person, firm,...”
  • Ala. Code Section 32-7-24(a) (Notice of Cancellation or Termination of Certified Policy)
    “When an insurance carrier has certified a motor vehicle liability policy under Section 32-7-20 or a policy under Section 32-7-21, the insurance so certified shall not be cancelled or terminated until at least 10 days after a notice of cancellation or termination of the insurance so certified shall...”
  • Ala. Code Section 32-7-23(c) (Uninsured Motorist Coverage; Limitation on Recovery)
    “The recovery by an injured person under the uninsured provisions of any one contract of automobile insurance shall be limited to the primary coverage plus such additional coverage as may be provided for additional vehicles, but not to exceed two additional coverages within such contract.”
  • Ala. Code Section 32-7-23(b)(3) (Uninsured Motorist Coverage; Uninsured Motorist Defined)
    “(3) The insurer becomes insolvent after the policy is issued so there is no insurance applicable to, or at the time of, the accident;”
  • Ala. Code Section 32-7-23(a) (Uninsured Motorist Coverage; Uninsured Motorist Defined; Limitation on Recovery)
    “provided further, that unless the named insured requests such coverage in writing, such coverage need not be provided in or supplemental to a renewal policy where the named insured had rejected the coverage in connection with the policy previously issued to him or her by the same insurer.”

Practice this material

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Questions about this source

Alabama Code Title 32 (Motor Vehicles and Traffic) Chapter 7 - Motor Vehicle Safety-Responsibility Act (32-7-1 to 32-7-43), including 32-7-23 owner liability insurance and uninsured motorist coverage is a state statute published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us). Edition: Code of Alabama as served by ALISON on 2026-09-29.

No. This page summarizes the document and links to the official version. Always rely on the text published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us) for the current law.

Practice questions for Alabama Property & Casualty, Alabama Personal Lines cite this document.

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