By: Virtus Law Group, Birmingham Alabama.
According to a 2021 report from the Insurance Research Council, about one in eight drivers don’t carry car insurance. Uninsured Motorist (UM) coverage allows you to recover damages that you incurred in an accident caused by a driver who doesn’t carry any liability car insurance. Essentially, UM coverage takes the place of the insurance that the other driver should have purchased but did not. UM coverage is especially important in the case of a hit-and-run. Similarly, Underinsured Motorist (UIM) coverage allows you to recover damages for injuries and losses when those damages exceed the policy limit of the person who caused the accident.
Although Alabama does not require you to have UM/UIM coverage, waiving this coverage can be detrimental to your recovery in a lawsuit. If the at-fault driver has no liability insurance, or their liability insurance has a policy limit that is much lower than your damages, you will likely have to pay out-of-pocket for some, if not all, of the damages you incurred. This can leave you stuck with outstanding medical bills, lost wages, pain and suffering, and even funeral expenses.
This coverage does not protect the at-fault driver in any way. Your insurance company may also sue the other driver for any money the company pays to you as a result of the other driver’s negligence.
UM/UIM coverage may seem complicated, but possessing this coverage provides you with a valuable safety net if you are injured in an automobile accident. Our attorneys’ knowledge of Uninsured and Underinsured Motorist policies can assist you in getting the best possible outcome for your case. If you were injured in an accident in Alabama, contact one of our experienced attorneys for a free consultation.
Founded in Birmingham, Alabama Virtus Law Group is a Personal Injury and Labor and Employment firm serving the people of Alabama.