This chapter does not apply to several listed vehicle types and operators, and certain active-duty service members may meet the chapter’s requirements by buying qualifying coverage where they are stationed and showing proof.
(a) This chapter shall not apply to any of the following vehicles or operators: (1) Trailers as defined in Section 40-12-240, including, but not limited to, semitrailers, travel trailers, boat trailers, pole trailers, and utility trailers. (2) Motor vehicles owned and operated by the United States or any agency thereof, the State of Alabama, or any political or governmental subdivision thereof. (3) Any motor vehicle that is subject to the supervision and regulation of the Federal Motor Carrier Safety Administration or the Alabama Public Service Commission and for which the owner or operator has filed evidence of financial responsibility, the liability under which is not less than that required of the operator of a motor vehicle under the terms of this chapter. (4) Motor vehicles covered by a certificate of self-insurance issued by the director under Section 32-7-34. (5) Other motor vehicles complying with laws that require the vehicles to be insured in amounts meeting or exceeding the minimum amounts required under Section 32-7-6(c). (6) Implements of husbandry as defined in Section 32-8-2. (7) Any vehicle moved solely by animal power. (8) Special mobile equipment, as defined in Section 32-8-2. (9) Inoperable or stored motor vehicles; provided, however, that this does not relieve or nullify any affirmative duty to maintain insurance coverage pursuant to a security agreement. (10) Motor vehicles owned by a licensed motor vehicle dealer, wholesaler, or rebuilder and held in inventory which are covered by a blanket liability insurance policy or commercial automobile liability insurance policy. (11) Vehicles owned by a bank, a subsidiary or affiliate of a bank, or finance company, acquired as an incident to their regular business which are covered by a blanket liability insurance policy or commercial automobile liability insurance policy. (12) Vehicles as prescribed by the commissioner which are covered by a blanket liability insurance policy or commercial automobile liability insurance policy. (b) An individual on active duty with the United States Armed Forces whose motor vehicle is registered in this state but who, as a result of his or her military duty or assignment is required to reside in another state during the registration period as defined under Section 32-6-61, may satisfy the requirements of this chapter by purchasing liability coverage in the state where residing on active military duty or assignment equal to or greater than the minimum amount required by Section 32-7A-4 and providing proof of coverage. An individual’s purchase of liability coverage under this subsection shall not invalidate his or her license or registration in this state pursuant to Chapter 6.