Auto & Watercraft Insurance

On the road or on the water, SSIA can help you keep your car and boat properly covered.


Did you know that there are more than 120,000 accidents in the state of Alabama each year? Even the safest drivers can fall victim to another’s mistakes, so be sure you carry an auto insurance policy that will appropriately protect you and your assets in the event of an accident.  After all, it’s the law now…

The new Alabama Mandatory Liability Insurance Law – Chapter 7A, title 32 Code of Alabama states that, “No person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public highway unless it is covered by a liability policy.”


As an owner or operator convicted of a mandatory liability insurance violation, you may be fined by law enforcement as follows:

  • Penalties for first violation – up to $500
  • Second of subsequent violations- up to $1,000 and/or a six month license suspension

In addition, if a vehicle is registered or operates without liability insurance, the vehicle registration will be suspended and the vehicle owner will be subject to the following:

  • First violation – $200
  • Second or subsequent violations- $400 reinstatement fee and a mandatory four month registration suspension


Do you like having fun in the sun? Hey, we get it!  We have an office full of boating enthusiasts. Our boat insurance polices come with plenty of options for specialized coverage such as Roadside Assistance, On-Water Towing, Total Replacement, and more. We can help provide coverage for jet boats, commercial fishermen, personal watercraft, houseboats, and other watercraft.

Contact us today to speak with one of our professionals about protecting your automobile or watercraft.