Ensure you're insured before disaster strikes - WAFF-TV: News, Weather and Sports for Huntsville, AL

Ensure you're insured before disaster strikes

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Insurance Agent Joe Demos said State Mandatory Liability Insurance Law still only requires the minimum. Insurance Agent Joe Demos said State Mandatory Liability Insurance Law still only requires the minimum.
HUNTSVILLE, AL (WAFF) -

Alabama State Troopers investigated hundreds of crashes statewide during the cold snaps.

Jan. 28 was significant day with 249 crashes, and the three days following, State Troopers investigated well over 100. With all those crashes, it's high possible not everyone was insured.

The State Mandatory Liability Insurance Law is only a year old. You've probably already had to deal with it when registering your vehicle. Using a database, officials and law enforcement can instantly verify if a driver is insured. It came after 2012 when Alabama came in sixth with the highest percentage of uninsured drivers, according to the insurance research council.

Insurance Agent Joe Demos said the law still only requires the minimum. Crashes can lead to tragedy and medical payment coverage can sometimes do more than your health insurance.

"Health insurance can still cover you but typically medical payments coverage is going to be primary," Demos said. "It's going to be first dollar and then liability insurance from the other person, if they are at fault, the liability insurance may not settle until down the road."

If you still don't have health insurance or have a very high deductible, you may want to consider medical coverage payment for you and your passengers in your car.

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