The Importance of Uninsured Motorist Insurance in Alabama

Did you know that approximately one out of four drivers in Alabama has no car insurance?  That’s according to the most recent industry estimates as reported by USA Today.  You can see the article here. This means that if you have liability insurance, you could be left paying your own medical bills and other expenses out-of-pocket.  In order to protect yourself in the event that you are in an accident with an uninsured driver, you should call your insurance company today and make sure that you have uninsured/underinsured motorist coverage.  This coverage is usually relatively inexpensive, but the benefits of having this coverage could make all the difference in the world.  This coverage also protects you in the event you are in an accident and your medical bills, expenses, and the value of your pain and suffering exceed the available liability insurance coverage of the other driver.

For example, let’s say that you have liability insurance coverage only and no uninsured/underinsured motorist coverage and you are involved in a car accident that is not your fault.  If the other driver has car insurance, then that driver’s car insurance should pay to cover your medical bills and pain and suffering.  However, if the person that hit you does not have car insurance, then you are stuck holding the bill for all of your medical bills and expenses.  In that case, your only option is to sue the other driver directly to recoup your expenses and try to get compensation for your pain and suffering, and the other driver may not have any assets that you could recover in a lawsuit.  This would leave you with the responsibility of paying your own medical bills.

In another example, the driver that hits you has insurance.  However, the State of Alabama only requires individuals to carry a minimum amount of liability insurance coverage equal to $25,000.00.  Therefore, if the other driver has purchased the minimum coverage required by law (as many people do) and the value of your medical bills, expenses, and pain and suffering exceed $25,000.00, then you will be forced to go after the driver individually to get the compensation you deserve. As previously discussed, this is usually a problem because often a driver that does not have liability insurance does not have any assets that could be recovered if you sued them directly.

In both of the examples above, if you had uninsured/underinsured motorist coverage, you would be able to go after the other driver’s insurance to help compensate you for your injuries, and if they did not have any insurance or enough coverage, then you could make a claim with your uninsured/underinsured motorist coverage and get the compensation that you deserve.

If you or a loved one has been in an auto accident, call Wisda, Nation & Anderson for a free consultation with one of our Huntsville Alabama Personal Injury Lawyers at 256.429.9492.

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