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The Importance of Under-insured and Un-insured Car Insurance

Under-insured Car Insurace

Underinsured motorist coverage is vital to protect individuals in the event of a car accident involving a driver who has insufficient or no insurance coverage. Here are several reasons why underinsured motorist coverage is crucial in Alabama:

5 Important reason to have it

  • Legal Minimum Coverage Requirements: Alabama, like most states, has minimum auto insurance coverage requirements that all drivers must meet. Alabama’s minimum liability insurance requirements are relatively low compared to potential accident expenses and damages. For example, Alabama required only $25,000 in bodily injury coverage per person and $50,000 per accident. Property damage liability coverage was required at $25,000. These limits may not be sufficient to cover medical bills, property damage, and other costs resulting from a serious accident.
  • High Medical Costs: Medical expenses resulting from car accidents can be substantial. Underinsured motorist coverage can help bridge the gap between the at-fault driver’s liability coverage and the actual medical bills incurred by the injured party. Without adequate coverage, accident victims may be left with substantial medical debt.
  • Uninsured or Underinsured Drivers: Not all drivers on Alabama’s roads comply with the legal requirement to carry auto insurance, and some who do may have only the minimum coverage. If you are involved in an accident with an uninsured or underinsured driver, you may face challenges in recovering compensation for your injuries and damages. Underinsured motorist coverage can step in to provide you with the necessary protection in such situations.
  • Peace of Mind: Having underinsured motorist coverage offers peace of mind while driving in Alabama. You can focus on the road knowing that if you’re ever involved in an accident with a driver who lacks adequate insurance, you have a safety net in place to protect you and your family from financial hardship.
  • Affordable Protection: Underinsured motorist coverage is often relatively affordable compared to the potential benefits it provides in case of an accident. The peace of mind and protection it offers make it a worthwhile investment for many drivers.

Founded in Birmingham, Alabama Virtus Law Group is a Personal Injury and Labor and Employment firm serving the people of Alabama.

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