Uninsured motorist coverage is an auto insurance policy option which covers the policyholder and his or her passengers for bodily injury and property damage in an accident caused by a driver with no auto insurance. By law, the State of Alabama requires every motor vehicle to have a minimum amount of liability coverage or automobile insurance on their vehicle. Unfortunately, many Alabama motorists do not buy automobile insurance. Many people who are insured purchase a minimum insurance policy in which the coverage is insufficient to cover all the costs that might be associated with a car accident.

For motorists who are injured where the at-fault driver (the driver that caused the accident) only has a minimum policy available and the coverage is inadequate to cover the costs associated with the accident, the injured motorist’s Uninsured/Underinsured Motorist Coverage would be needed to cover any additional costs.

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Currently, Alabama requires minimum liability coverage amounts of at least fifty thousand dollars per accident, twenty five thousand per person for bodily injury and twenty five thousand dollars for property damage.

Auto Insurance Minimums

  • 25k per person
  • 50k per accident
  • 25k for property damage

But, if you have an accident with someone who only carries the minimum liability coverage amounts (or heaven forbid, no policy at all) and your damages exceed that amount, you’re in big trouble. This is when your Uninsured motorist coverage will step in and protect you from the un and under-insured drivers.

If you don’t already have uninsured motorist coverage as part of your auto insurance policy, ask your insurance carrier about upgrading. It might be the best decision you ever make.

There are several scenarios where Uninsured Motorist Coverage would cover you if you are injured in a car accident. If you or a loved one has been injured in a car accident, do not hesitate to contact your hometown law office of Townes & Woods, P.C. at 631-4019 for a free and confidential consultation.

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