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www.montgomery.car-insurance-advertising.com Montgomery is the capital, second most populous city,and the fourth most populous metropolitan area in the Southern U.S. state of Alabama, and is the county seat of Montgomery County. It is located southeast of the center of the state, in the Gulf Coastal Plain. The city population was 201,568 as of the 2000 census. Montgomery is the primary city of the Montgomery Metropolitan Statistical Area, which had a 2000 population of 346,528, making it the fourth largest in the state. Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance. Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle. Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued. Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.