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This Is Why You Need Uninsured Motorist Coverage

By: Fred Moore | Apr 15, 2018

Although Alabama law requires every driver to have liability insurance, there are many uninsured and underinsured drivers on the road. At Moore Law Firm, our personal injury attorneys have handled a wide array of car accident cases and have witnessed the grave consequences of being involved in a crash with an uninsured or underinsured motorist whose coverage limits may not be enough to pay all of a victim’s medical bills, pain and suffering and lost wages.

How Does Uninsured Motorist Coverage Work?

Whether you are a driver or passenger, if you have uninsured motorist (UM) coverage on your policy it will provide compensation from your own insurance company for accident-related expenses. This affordable coverage is designed to cover your medical bills, property damage, lost wages and other specific damages if you are hit by an uninsured or underinsured driver.

Why is UM Coverage So Important?

Uninsured motorist (UM) and Underinsured motorist (UIM) coverage can be a lifeline if you are injured in a motor vehicle accident. Serious injuries may require multiple surgeries, physical therapy and other costly medical treatment. Being unable to work also may put you and your family in a precarious financial situation.

To protect yourself and your family from negligent drivers who have little or no liability insurance, adding a sufficient amount of uninsured motorist coverage to your insurance policy is vital. If an at-fault driver has car insurance but the amount of his or her insurance coverage is not enough to cover your damages, your UIM coverage can ensure that all of your bases are covered so you can get the care you need and the compensation you deserve.

A car accident attorney can review all insurance options that are available to you for possible compensation and advise you on the best course of action to take.

Alabama Insurance Requirements

Unless you specifically waive it, each auto insurance policy in Alabama is required to have a minimum amount of $25,000 in UM/UIM coverage. $25,000 may cover only a small portion of your medical bills, property damage and lost wages. Waiving this valuable coverage altogether can be a grave mistake for you and your family. In fact, you should consider purchasing more than just the minimum. Underinsured and uninsured motorist coverage is surprisingly affordable, and the peace of mind that comes with knowing you and your family are protected is well worth the cost.

If you have been injured in a motor vehicle accident and are unsure about how to use your underinsured or uninsured motorist coverage, contact our car accident attorney at Moore Law Firm to schedule a consultation today.