Alabama law requires all drivers to carry auto insurance to cover the cost of property damage or other losses. However, some irresponsible drivers drive uninsured. This could leave you in a difficult position in the event of a car crash.
Don’t risk accumulating medical debt to pay your hospital bills after a collision. Uninsured drivers who cause accidents must be held responsible for their actions. An uninsured motorist accident lawyer in Birmingham from the Morris Bart law firm can explain your legal options if you were injured by an uninsured driver.
When Motorists Drive Without Auto Insurance
There are several reasons why people drive uninsured. Aggressive drivers with multiple citations pay high premiums. If you miss a payment, your policy may lapse without notice.
Drivers with old cars may not feel they are worth insuring. Additionally, insurance companies have been known to drop clients who file too many claims.
Auto insurance is not required in all 50 states. Drivers from Virginia or New Hampshire are not legally required to have auto insurance. However, even the safest driver can be involved in a collision.
For a free legal consultation with a Uninsured Motorist Accident lawyer serving Birmingham, call (205) 380-4158
When Uninsured Motorist Coverage Takes Effect
Under normal circumstances, when you are injured in a car accident, the at-fault driver is responsible for injuries and property loss. Typically the driver does not pay for these expenses out-of-pocket. Their insurance company pays for the damages.
If the at-fault driver does not have auto insurance, the uninsured motorist (UM) coverage of your auto insurance policy goes into effect. You may recuperate your losses up to the policy limit, usually $25,000. Our Birmingham uninsured motorist accident attorneys can review your policy to ensure you carry this insurance.
Birmingham Uninsured Motorist Accident Lawyer Near Me (205) 380-4158
Recoverable Damages After an Uninsured Motorist Accident
Every car wreck is different. An uninsured driver may complicate matters. Luckily, you are still eligible to recover damages if you were injured due to another driver’s negligence. Damages you may recover fully or partially include:
- Ambulance transportation
- Physical therapy
- Lost income
- Pain and suffering
- Property damage
Do You Need an Uninsured Motorist Lawyer?
It’s commonly thought that your auto insurance company has your best interests in mind. If you suffer an accident, you expect an insurance claim to cover your losses because that’s why you pay for insurance. Unfortunately, you may find the process to be overly complicated.
Your insurance company may offer you a payment that does not reimburse you for your medical bills. They may question the severity of your injuries and delay the claims process. If you sustained multiple fractures or lasting injuries, you may have to take time away from work and have difficulty paying your bills.
While you do not have to hire a lawyer to file an insurance claim, you may find it exhausting to negotiate with insurance adjusters. Our team will fight for the settlement your case warrants. We can handle your claim or lawsuit while you rest and recuperate.
Complete a Free Case Evaluation form now
Other Ways to Seek Repayment
Your first instinct may be to seek compensation from your auto insurer’s uninsured motorist coverage. However, that may not be your best option. An uninsured motorist accident attorney in Birmingham can review your case to determine how you should proceed.
Depending on your circumstances, an insurance claim may not cover your losses. If you suffered extensive injuries, your Morris Bart representative may advise you to file a claim with your insurer and take civil action against the at-fault driver.
Contact Morris Bart & Associates, LLC for More Information
A motorist who drives without the minimum car insurance coverage has no consideration for your economic stability. Hold the at-fault driver liable for the harm you suffered. Our law firm may be able to help you find your way to financial recovery.
Call us to speak with a Birmingham uninsured motorist accident attorney from Morris Bart & Associates, LLC. We’re standing by 24/7. Schedule your free, no-obligation case review today.
Questions?Call (205) 380-4158
to find a Morris Bart office near you.