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Birmingham Uninsured Motorist Lawyer

shutterstock_268249073 Unfortunately, too many car drivers in Alabama either do not carry liability insurance or do not have enough to cover injuries that occur in a serious car accident. If you are involved in a crash with one of these drivers, an uninsured motorist policy from your own insurance carrier can help protect you. Uninsured motorist (UM) coverage offers compensation to you, your family members, and anyone occupying your car if you are injured by an at-fault driver who has no auto liability insurance. lf you are injured in an accident and the other driver has insurance, but not enough to cover all of the injuries, then underinsured motorist (UIM) coverage comes into play. It allows you to recover funds for your personal injuries, medical bills, lost wages and other damages. Most auto insurance policies include UM and UIM coverage unless the policyholder specifically rejected the coverage. UM or UIM motorist coverage can be built into your insurance rates. Your insurance agent will help you add coverage to your existing policy if you don’t have it already. But, as is normally the problem with insurance, the carrier doesn’t make money by paying claims. So it’s unlikely that even with a UM or UIM claim, the payment you receive after a serious car accident will be enough to cover your losses. An uninsured accident claims attorney from Belt & Bruner can review the specifics of your accident and go over your legal options.  Contact us to schedule a case review today toll free or use our contact form.

Alabama Uninsured and Underinsured Motorists

Motorists should carry at least $100,000 per person of bodily injury liability insurance protection and $300,000 per accident, the Insurance Information Institute recommends. Those recommended coverage levels are higher than the minimum levels of liability coverage required by the state of Alabama. The mandatory amounts of liability coverage that Alabama requires are:
  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injuries to two more persons
  • $25,000 for property damage or destruction.
shutterstock_189047027 Mandatory liability insurance is intended to protect motorists when they are involved in an accident. Unfortunately, across the U.S., chances are roughly one in eight that a driver is uninsured, according to 2014 estimates by the Insurance Research Council (IRC). As our nation’s population increases, so does the number of uninsured and underinsured drivers. A 2014 analysis of claims by the Council estimates that 15 to 26 percent of motorists in Alabama are uninsured, putting Alabama among the states with the highest percentage of uninsured drivers. Some drivers buy liability insurance when they need to renew their license, then let the policy lapse and hope they don’t get caught. As recently as 2012, Alabama’s rate of uninsured motorists ranked 6th worse in the nation, according to the IRC. To crack down on uninsured motorists, police in Alabama who stop a motorist now have access to an online insurance verification system to check whether the car has insurance coverage. Many irresponsible motorists disregard the requirement that they must carry at least minimum levels of auto liability insurance. A vehicle owner or driver in Alabama may receive a $500 fine for a first conviction of failure to have mandatory liability insurance and a $1,000 fine for subsequent convictions and suspension of the driver’s license. In addition, the vehicle registration will be suspended and the vehicle owner will have to pay a reinstatement fee and present evidence of a current insurance. The at-fault uninsured driver’s car may also be impounded, depending on the seriousness of the accident. Motorists who don’t have auto liability insurance create a problem for the rest of us. Alabama drivers can buy additional coverage for protection against uninsured/underinsured motorists (UM/UIM). UM and UIM coverage pays for medical bills and related expenses caused by personal injuries in an accident. Uninsured motorist property-damage coverage, or UMPD, is yet another level of car insurance. It’s important to have a safety net because you cannot predict when you might be involved in an accident caused by an irresponsible driver who happens to be uninsured or doesn’t have adequate insurance to pay for damages in a serious accident. Drivers involved in a car accident where the other driver is at fault must file an UM/UIM claim when the at-fault driver either has no liability insurance or doesn’t have enough insurance to cover their losses. An UM/UIM insurance policy can help an injured motorist or help a family who has lost a loved one and their financial support in an accident involving an underinsured or uninsured driver.

Insurance Companies and Uninsured/Underinsured Motorist Claims

shutterstock_99967496 UM/UIM insurance, like any car insurance policy, only helps if the insurance company promptly pays an appropriate claim. Insurance companies make a profit by collecting more in insurance premiums than they pay out for claims. They have various means and methods of delaying payment, obscuring policy details, short-changing policyholders or simply denying the claim. After a car accident, the injured party will want to maximize the amount of compensation they collect for their losses and do so through all available sources. Often it takes an accident attorney experienced in negotiating with car insurance companies and in Alabama courts to ensure that all car insurance payouts that you are due are paid in whole and in a timely manner.

Contact Our Alabama UM/UIM Car Accident Lawyers

If an uninsured or underinsured motorist seriously injured you or your loved one in a car accident, it’s a good idea to speak with the accident attorneys at Belt & Bruner to make sure you are receiving appropriate compensation for your injuries. In many instances, an knowledgeable attorney can identify additional sources of insurance to provide compensation. We investigate all insurance claims and negotiate with insurance companies to ensure our clients get the best results. We offer a consultation free of charge about your uninsured or underinsured motorist policy claim with a Birmingham UM/UIM car accident lawyer. Please complete the information on our contact form or call us toll free today.