If you’ve been involved in an accident and the other driver doesn’t have auto insurance coverage, the best option is to file for what’s called uninsured motorist benefits.
Alabama law requires that every auto insurance policy sold in the state have uninsured motorist coverage. The only way you won’t have that coverage is if you happen to have signed a written rejection for that coverage.
Uninsured motorist coverage provides benefits for things like out‑of‑pocket expenses, medical costs, medical bills, lost wages, and future lost wages. It’s there to stand in the shoes of the at-fault party’s insurance, and it should help you get compensated for your damages from that wreck.
The other benefit of uninsured motorist coverage is that it’s stackable. This means that if you happen to have multiple cars in your family, then you can add the value of those coverages together.
For example, the minimum coverage under Alabama law is $25,000. If you happen to have two vehicles with uninsured motorist coverage in your household, then you have $50,000 worth of coverage.
Uninsured motorist is very important and something you should check and make sure is on your policy.
You have insurance, but do you understand your policy?
We get it: insurance is complicated. Do you understand your coverage? The type of policy you have will affect your claim. Click here to read more about insurance coverage and how it affects you.
Our Personal Injury Attorneys Put You First
If you have been involved in a car accident, you probably have several questions running through your head. At Martinson & Beason, P.C., in Huntsville, Alabama, we have been helping people like you since 1937. We cannot guarantee results, but we can guarantee that we will always put you first, no matter what. If you are interested in learning more about how we handle car accidents, click here.
Is it best to settle early or to wait? If I think I was partially at fault, should I even bother pursuing a claim? What are the next steps I should take and do they differ depending on my auto insurance carrier? You can find the answers to these questions and more by following the above link. For answers to more specific questions that we are asked on a frequent basis, read our car accident FAQs here.
However, know that this information does not constitute legal advice. What we would recommend for one person may completely differ from what we would recommend for someone else. Each case is unique, which is why it is so critical that you contact a car accident attorney who can give you the tailored advice you need and deserve. Call us today for a free consultation. You risk nothing by calling. Our attorneys are friendly and happy to help, so give us a call.