Ferguson & Ferguson
Attorneys at Law
Have you or someone you care about been involved in an accident with an uninsured or underinsured motorist in Huntsville or Decatur, Alabama? Have you been hit by a car that left the accident scene, or does not have enough insurance coverage to take care of you? Did you know that one in three Alabama drivers are driving without any automobile insurance coverage. Is it worth filing a lawsuit against someone with no money or insurance? We understand that being hit by an uninsured or underinsured driver can make a stressful experience even more worrisome. If you have been hit by an uninsured motorist, there may still be a solution for you. If you have uninsured motorist (UM) coverage on your auto insurance policy, you can make a claim against your own insurance company for your losses, or if you personally do not have auto insurance coverage, you still may be covered if you were a passenger in someone else’s vehicle and the owner of the vehicle you were in has UM coverage, or you live with someone who has UM coverage. We know you have questions, and we are here to help. When you have been seriously injured in a car accident, you need to call the attorney serious accident victims call when they have been injured. Randy W. Ferguson is Decatur and Huntsville’s premier car accident lawyer. We offer no obligation, FREE CONSULTATIONS. We also have a LOWEST FEE GUARANTEE. Home and hospital visits are available if you are unable to come to our Huntsville or Decatur office. Call 256-534-3435 or 256-350-7200. We are here to help you.
What is Uninsured and Underinsured Motorist?
(UIM) is similar but not the same as uninsured motorist (UM) coverage. UIM applies when the person who caused your accident has auto liability insurance but the limits are not high enough or sufficient to fully compensate you for your losses. (UM) coverage, applies when the other party does not have any auto insurance at all. You do not have to be an automobile driver or passenger in order to be eligible for benefits. Your automobile UM/UIM policy applies even if you were a pedestrian, bicyclist, motorcyclist or bystander if the motorist who caused your injuries was uninsured or underinsured. Uninsured motorist coverage can also apply when someone is injured in an accident with an unidentified hit-and-run vehicle. Most underinsured motorist policies do not require the insurance company to pay if the insured person has settled with the other driver’s insurance company. Therefore, it is important that you consult with a firm that is experienced in dealing with auto accident cases before you settle any portion of your claim. Auto accidents involving uninsured motorists can be extremely serious, and may result in hundreds of thousands of dollars in property damage, medical expenses and other costs. If you have more than one car with uninsured and underinsured coverage, you can also stack the coverages in Alabama.
Many people worry that reporting an accident to their insurance carrier will raise their rates, but this is not the case. If you were not at fault, your insurance company cannot raise your premiums for using your UM/UIM coverage. Uninsured and Underinsured motorist cases have many issues that the average injury lawyer may have difficulty understanding. Uninsured motorist claims can be complex, so it is important that you hire an experienced attorney to help you through the process.
How do I Know if I Have Uninsured Motorist Coverage?
Everyone who purchases auto insurance in Alabama must be offered uninsured motorist coverage. Unless you declined this coverage in writing, your policy most likely includes coverage for accidents involving uninsured and hit and run drivers. You also have purchased underinsured motorist coverage normally. A simple call to your agent and a review of your policy will show if you have the coverage.
Why Hire Uninsured/Underinsured Motorist Attorneys Ferguson and Ferguson
The law offices of Ferguson and Ferguson takes pride in handling your insurance cases.
- You talk to attorneys not secretaries.
- We are committed to excellent client service.
- We care about our clients, and have patience.
- Free phone consultation 7 a.m. to 7 p.m. and Saturdays
- Free office consultation as late as 7 p.m. and Saturdays also.
- Locations in Decatur and Huntsville.
- We come to you if you are injured.
- We answer all our clients calls, or return them promptly.
- We keep our clients informed of the status of their case.
- We make sure that our clients understand each step of their case.
- We have great compassion for the physical, emotional, and financial problems that our clients suffered, and will do everything possible to get them through their difficult time.
If you were injured by an uninsured or underinsured motorist and decide to make an uninsured motorist claim/underinsured motorist claim, you should hire an attorney with experience handling these claims. Without the assistance of a skilled Alabama attorney, the insurance companies often will underpay, delay, or wrongfully deny payment of benefits to their own policyholders. If you have been injured or your vehicle was damaged in a collision with an uninsured motorist, please contact the Decatur and Huntsville uninsured motorist law firm of Ferguson & Ferguson for a free initial consultation and case evaluation. You do not pay unless you recover. Call now. Call 256-534-3435 or 1-800-752-1998 today.