HB187 Alabama 2015 Session

Summary

Primary Sponsor

Mike Hill

Republican

Session

Regular Session 2015

Title

Motor vehicle insurance, coverage of public safety and certain other employees driving to work on a road closed because of inclement weather, coverage mandated

Summary

HB187 would require automobile insurance to cover public safety and other critical needs employees driving to work on roads closed due to inclement weather, with the same coverage as when roads are open.

What This Bill Does

The bill ensures that auto insurance policies provide the same coverage when a policyholder drives on a road closed because of bad weather, if the driver is a public safety or critical needs employee commuting to or from work. It defines critical needs employees as those who provide lifesaving services or support those who do. It applies to policies issued after the act’s effective date and the act becomes law on the first day of the third month after passage.

Who It Affects

• Public safety employees (e.g., police officers, firefighters) driving to work on roads closed due to inclement weather
• Other critical needs employees who provide lifesaving services or support lifesaving services and are driving to or from work

Key Provisions

• Any auto insurance policy (liability, property damage, or other coverages) must provide coverage when the insured drives on a road closed due to inclement weather if the insured is a public safety employee or a critical needs employee
• Coverage on closed roads must be the same as coverage on open roads
• Critical needs employee is defined as someone whose job provides lifesaving services or supports those who provide lifesaving services
• The act applies to policies issued after the effective date, which is the first day of the third month following passage and governor's approval

AI-generated summary using openai/gpt-5-nano on Feb 24, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Motor Vehicles