If an uninsured driver causes your Huntsville, Alabama, crash injuries, you have options. Our Huntsville uninsured motorist accident attorney may help you pursue compensation to cover your medical bills, income losses, and other expenses. You should not have to cover these expenses on your own because a careless driver drove uninsured.
At the Morris Bart law firm, you can talk to a Huntsville car accident lawyer for free. Our team provides free accident evaluations. Our attorneys will assess the strength of your case, determine your legal options, and explain if we can help. We are a contingency fee law firm that represents victims hurt in Alabama collisions.
Morris Bart & Associates, LLC Represents Huntsville Accident Victims
The Morris Bart law firm knows what it takes to recover compensation for clients hurt by uninsured motorists. We regularly represent clients in these cases and secure fair payouts for them.
You can count on us to take the necessary steps when we represent you. This includes:
- Protecting your right to fair compensation
- Investigating what happened
- Exploring your options for compensation
- Valuing your case
- Seeking a fair payout
- Negotiating with the insurer
- Suing when necessary in the case
With more than 40 years of experience and 16 offices in four states, the Morris Bart law office is well-equipped to handle—and win—for our clients. We had 5,800+ wins for our clients in 2021.
The Morris Bart law office is a contingency fee firm. We do not ask our clients to pay a retainer or other upfront fees. We do not charge our clients for anything until we close the case. Our attorney’s fees come from the settlement or court award. If we do not win, our clients do not pay these fees.
For a free legal consultation with a Uninsured Motorist Accident lawyer serving Huntsville, call (256) 666-3010
Weighing Your Options After a Huntsville Uninsured Motorist Crash
We know how to handle uninsured motorist accidents at the Morris Bart law office. In most crash cases, we rely on the at-fault driver’s auto liability insurance policy to pay for our client’s damages. We file a claim and negotiate with their insurer for a fair settlement.
According to the Alabama Department of Revenue, Motor Vehicle Division, Alabama drivers must carry a minimum amount of auto liability coverage. This includes:
- $25,000 for injury or death of one person
- $50,000 for injury or death for all victims involved
- $25,000 for property damage and repair
However, uninsured drivers make it impossible to pursue this type of claim. We cannot file a claim against an insurance policy that does not exist. This leaves us with the option to sue the at-fault driver or file an uninsured motorist claim. Suing in these situations is often fruitless since most people with the available assets to pay would invest in insurance.
Many Alabama drivers carry uninsured motorist coverage. The Alabama Department of Insurance calls it a critical part of basic coverage. However, state law does not require it. Drivers may opt out in writing if they do not want to pay the additional charge.
For those with this policy, it pays out with the same limits as their auto liability policy. This means you should have at least $25,000 in injury coverage if you have the state’s minimum coverage and an uninsured motorist policy.
Our Lawyers Prepare and File Uninsured Motorist Claims in Huntsville
Even though we file uninsured motorist claims based on your insurance policy, we need evidence to show that the other driver acted negligently and caused the crash. Uninsured motorist coverage only kicks in when an uninsured driver is liable for an accident, injuries, and damages. Without strong evidence to show fault, liability, and the value of your damages, it would be difficult or impossible to recover fair compensation.
For this reason, we approach uninsured motorist accidents in the same way we approach other types of injury claims. We investigate and learn as much as possible about what happened and how the at-fault driver caused the crash. This includes taking steps such as:
- Obtaining the police accident report and other official documents
- Interviewing eyewitnesses
- Surveying the accident scene
- Analyzing relevant medical records
- Working with accident reconstructionists
- Calling in experts as needed
- Documenting damages
We use this evidence to show that negligence occurred, and the uninsured driver is liable for the crash. When we confirm this, our client’s insurance company generally allows us to move forward with the uninsured motorist claim. This does not mean they pay out the amount we ask, though. These cases often still involve a lot of negotiations and aggressive pursuit of the compensation our client deserves.
Damages Recoverable in a Huntsville Uninsured Motorist Accident Claim
Your uninsured motorist coverage should pay for the same expenses and losses that the other driver’s auto liability coverage would, if they carried it. The coverage limits will match the limits of your own liability policy. This means you should have at least $25,000 for your injuries and more if you elected to invest in additional coverage.
The recoverable damages in these cases include:
- Medical bills, current and future
- Other related costs
- Income lost from missing work
- Reduced ability to work and earn as much in the future
- Pain and suffering damages
When we investigate your collision, we will gather documentation to show the value of your economic losses. We can also work with experts to understand your prognosis and any future expenses. We use this evidence to establish a fair settlement range for your claim and demand just compensation from the insurer based on it.
Discuss Your Huntsville Uninsured Motorist Accident With Our Attorney for Free
The Morris Bart law firm offers free case evaluations for crash victims in Huntsville. We can assess your case and explain your options after an uninsured motorist causes your accident and injuries. We are here to help. We meet with victims in Huntsville by appointment only.
Contact us online or over the phone to schedule a time to discuss your case with one of our attorneys.
Questions?Call (256) 666-3010
to find a Morris Bart office near you.