Drivers are required to have insurance if they operate a motor vehicle on the road. However, some people drive without insurance regardless. This is the reason why uninsured and underinsured motorist insurance was developed. Uninsured motorist (UM) insurance provides coverage if you are in a car crash with another party who is not covered by liability insurance. Underinsured motorist (UIM) insurance provides coverage when a motorist does have the minimum insurance required by the state but does not have enough of it to cover the cost of your injuries and damages. Although the premium for UM insurance may be unappealing, it is well worth it if you end up in an accident with an underinsured or uninsured motorist.
Alabama insurance laws on UM insurance
Under Alabama law, every auto insurance policy must include UM insurance. The only exception is if the policyholder rejects this coverage in writing. However, it is highly recommended to have this insurance for the obvious reasons.
However, an individual having UM insurance does not guarantee he or she has the necessary liability coverage. In Alabama, the auto insurance liability coverage requirements are as follows:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
The insurance covers that much per accident or per person for physical injuries or damage to property. However, if you are in a car crash with another driver who does not have sufficient liability coverage, what are your options?
What can you do after an accident with an uninsured driver?
Alabama operates according to a traditional fault-based system. This means the driver at-fault must pay for the other driver’s medical expenses and other damages. These include lost wages and pain and suffering resulting from the crash. Your UM insurance comes in when the at-fault driver does not have any liability insurance or not enough of it to cover his or her responsibilities.
If an uninsured driver caused your injuries, you can file a claim with your insurer through your UM insurance. UM insurance is particularly useful in the event of a hit-and-run accident. In these cases it is often difficult to obtain the drivers information. UM insurance gives you the peace of mind that you will not have to pay out-of-pocket for medical expenses or for damage to your vehicle.
If you or a loved one has sustained injuries in a car crash that was the fault of another party, our attorneys at Mezrano Law Firm are here to support you with vigorous and intelligent representation. We can fight on your behalf to help you secure the compensation to which you are entitled for your injuries. Our legal team serves residents of Birmingham, Montgomery, Florence, Mobile, Gadsden, and Tuscaloosa. To arrange a free, no-obligation consultation, give us a call today at 205.206.6300 or send us a message through our contact form.