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 MotoristsMotorists 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.