alabama uninsured motorist when to attorney

If you have been involved in an accident involving a person who does not have insurance (uninsured motorist) or someone who does not have enough insurance to compensate you for your injury (underinsured) then you need an Alabama Uninsured Motorist Claims Attorney.

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Do I have to have uninsured motorist insurance in Alabama?

Jan 08, 2016 · For example, if the at-fault driver who hit you is uninsured, and your car insurance policy provides for $25,000 in UM/UIM coverage (the statutory minimum in Alabama), there is up to $25,000 available to you under your own policy to compensate you for the damages you incurred as a result of the accident. Additionally, because this type of ...

Can an uninsured motorist sue an insured motorist?

Free Consultation - Call (256) 261-1315 - Blackwell Law Firm helps victims and their families receive compensation for their injuries in Car Accident and Auto Injury cases. Uninsured Motorist Coverage in Alabama - Huntsville Car Accident Lawyer

Which states have the most uninsured drivers?

Apr 09, 2010 · While car insurance coverage can be expensive, the cost of increasing a driver's UM/UIM limits is very inexpensive. For example, for $250,000 worth of UM coverage an average driver in Alabama could expect this level of coverage to cost about $75 every 6 months. Since UM & UIM coverage is very affordable it is very important for drivers to increase the level or amount …

What to know about uninsured motorist insurance?

Until 1984, Alabama statutorily provided only for uninsured motorist coverage. Then, § 32-7-23 was amended to include a provision for underinsured motorist benefits effective January 1, 1985. Now, an insured who has not rejected uninsured/underinsured motorist coverage may recover for bodily injury from his

How does uninsured motorist coverage work in Alabama?

Uninsured motorists coverage protects you directly. This coverage pays if you are injured by a hit-and-run driver or a driver who does not have auto insurance. This coverage in effect takes the place of the insurance that the other driver should have purchased but did not.

Does Alabama have uninsured motorist property damage?

No, you do not need uninsured motorist property damage (UMPD) insurance in Alabama. ... Instead of UMPD, you can purchase collision insurance, which is an optional type of coverage that pays to repair or replace your vehicle after any accident, regardless of fault.Feb 11, 2021

Does Alabama have underinsured motorist coverage?

UM/UIM stands for “Uninsured Motorist/Underinsured Motorist,” and the statutory minimum for this coverage in Alabama is $25,000. Provided you have the minimum amount of coverage, your own insurance policy will pay for the damages that you incur as the result of an accident with an uninsured motorist.Sep 28, 2017

Can you stack uninsured motorist coverage in Alabama?

Under Alabama law, you can “stack” up to three coverages. This can be an important benefit, especially if your UIM coverage provides only the minimum benefits required by law.

Is Alabama a no pay no play state?

Alabama Is a Fault State Alabama follows a fault-based compensation system. In other words, Alabama is not a no-fault state. This means that, after a car accident, the person who caused the accident is responsible for compensating the injured party.Jun 3, 2020

Do I need uninsured motorist coverage?

Do You Need Uninsured Motorist Coverage? Unless you live in a state where it is required to have UM, you do not need to pay for uninsured motorist insurance. However, that doesn't mean that you shouldn't consider this extra coverage.Dec 2, 2021

What does the uninsured motorist coverage cover?

Uninsured motorist coverage helps you pay for damages caused by a driver who doesn't have car insurance. If you're hurt or your car is damaged in a crash caused by such a driver, this coverage will help pay for costs, up to the limits in your policy. ... In that situation, the other driver would be considered underinsured.

Does UIM coverage cover property damage?

The coverage can pay for property damage and medical bills in accidents caused both by uninsured or underinsured drivers (when low-limit coverage is exhausted).

When would UM coverage apply quizlet?

When does the underinsured motorist apply? When the motorist is at fault in an accident but the limits of his or hers auto insurance are not sufficient to cover the bodily injury to another motorist.

What is the minimum amount of insurance for an uninsured motorist in Alabama?

In Alabama 26% (1 in 4) of drivers are uninsured drivers and of those that are insured an estimated 55% only carry the minimum amount of insurance required which is $25,000 a person/$50,000 per accident. With the large amount of uninsured and/or underinsured drivers on the roads in Alabama, uninsured motorist coverage is really a necessity to cover you and your loved ones in the event of being injured in a car wreck. Uninsured/Underinsured Motorist claims are covered by Alabama Statute .

Can you stack multiple vehicles?

Often times you can access coverage under multiple vehicles called “stacking” even if you were not in the vehicle listed on the policy. Furthermore, if the at-fault party has insurance, but does not have enough, there are vital steps that must be taken in order to preserve a right to your underinsured motorist coverage.

What is an uninsured motorist in Alabama?

Uninsured/Underinsured Motorist claims are covered by Alabama Statute . These claims are brought against your own insurance carrier, who under the eyes of the law stand in the shoes of the at-fault party. This means any damage that would be collectable against the responsible party, is also collectible under your uninsured or underinsured motorist ...

What is UM & UIM ?

What is UM & UIM ?#N#UM and UIM is insurance coverage that is on a person's individual car insurance coverage or the coverage of a relative they reside with.

How do I obtain UM & UIM in Alabama?

How do I obtain UM & UIM in Alabama?#N#Alabama's Uninsured Motorist Statute requires car insurance companies in Alabama to provide UM & UIM coverage on every policy of car insurance they sell in Alabama regardless of whether the insured ask for said coverage.

How much UM & UIM Coverage should I obtain?

How much UM & UIM Coverage should I obtain?#N#While car insurance coverage can be expensive, the cost of increasing a driver's UM/UIM limits is very inexpensive. For example, for $250,000 worth of UM coverage an average driver in Alabama could expect this level of coverage to cost about $75 every 6 months.

Stacking of UM & UIM Coveage under Alabama Law

Stacking of UM & UIM Coveage under Alabama Law#N#One unique aspect of Alabama UM & UIM law is that it allows you to stack or add vehicle's coverage amounts together. For example, assume Husband and Wife has 3 cars one for each of them and one for their daughter. Further assume they have minimum UM/UIM coverage of $25,000.00.

Pitfall of Stacking

Pitfall of Stacking#N#While Alabama UM law does allow the stacking of insurance coverage it only allows a person to stack 3 cars on one insurance policy; however, you can stack an unlimited number of insurance policies.

What Is Uninsured Motorist Insurance?

The uninsured motorist insurance definition comes as no surprise. Uninsured motorist (UM) coverage is an add-on component to a standard auto insurance policy. UM provides coverage when the policyholder has an accident with a motorist who does not have insurance.

What Does Uninsured Motorist Insurance Cover?

Typically, UM pays for your injury treatment and that of your passengers, if applicable. Depending on your policy, UM may also pay for property damage if the other driver was at fault.

Do the Alabama Insurance Laws Require Uninsured Motorist Insurance?

Alabama’s Mandatory Liability Insurance Law requires motorists to carry liability insurance. Minimum coverage limits are $25,000 bodily injury (per person), $50,000 bodily injury (aggregate), and $25,000 in personal property coverage.

Is Uninsured Motorist Coverage Worth It?

According to the Insurance Research Council, as many as one in eight U.S. drivers are uninsured . Although Alabama requires motorists to carry liability insurance, your chances of getting into an accident with an uninsured motorist are significant. If you don’t carry UM coverage, you may not have any way to pay for your medical treatment.

What If the Insurance Company Denies Your Uninsured Motorist Claim?

Sometimes, even your own insurance company could deny your claim. In other cases, the insurer might agree to pay only a fraction of your claim’s actual value. If that happens, an experienced personal injury lawyer can help.

Schedule a Free Consultation with an Alabama Car Accident Lawyer

After an accident, you need someone on your side. The experienced attorneys of the Fob James Law Firm will fight tirelessly to get you the justice and fair financial compensation you deserve. Our attentive and highly personalized level of service gets results, as you can see from our past settlements and awards.

Fob H. James, IV

Fob James obtained a B.S., in software engineering from Auburn University and then continued his education by getting his J.D. from Vanderbilt University School of Law.