There are many different situations in which your uninsured motorist insurance coverage might be needed. If a person hits your car and runs without providing any information, you can use your uninsured motorist to pay for your injuries. If someone runs you off the road but does not hit your car, you can use your uninsured motorist to pay for your injuries. Even if a unknown phantom vehicle drops something on the road earlier in the day and you hit it, you can recover with your uninsured motorist.
Do you know the difference between uninsured motorist and underinsured motorist? Most drivers don’t know the difference between the two, or even know if they have either one. Uninsured motorist covers you and your passengers if the other liable party has no insurance. Underinsured motorist covers you and your passengers if the other liable party does not have enough insurance. Uninsured/underinsured motorist coverage is not required in Alabama. In Alabama you automatically get both unless you sign saying you don’t want them. Neither covers property damage claims.
In Alabama, there are thousands of uninsured/underinsured claims filed each year. Although you are required to have liability insurance, it has been estimated that more than 25% of all Alabama drivers do not have insurance. It is a good idea to purchase as much uninsured motorist coverage as you can afford. In the event that you are wronged in a hit and run accident or a collision with an uninsured motorist, your injuries will be covered. Remember this, if you are hit by an uninsured driver, and you have no uninsured coverage, you get nothing. You could be in the hospital for weeks, lose your job, and you would get nothing.
Ferguson & Ferguson
If you are involved in an auto accident with an uninsured or underinsured driver, call Randy W. Ferguson now. Call our Huntsville office at 256-534-3435 or our Decatur office at 256-350-7200 for a free case evaluation with one of our experienced Alabama auto accident attorneys.