Nothing embodies the feeling of total freedom quite like riding a motorcycle. Unfortunately, other passenger vehicle drivers often fail to see motorcyclists, making them more susceptible to being in a collision. But who pays for your injuries if the at-fault driver is uninsured?
If you sustained injuries in a motorcycle accident caused by an uninsured motorist, our law firm can help. You may be entitled to compensation for your losses. A dedicated uninsured motorcycle accident lawyer in Mobile can review your case for free and explain your rights.
Alabama Auto Insurance
Alabama motorists are legally required to carry auto insurance. The minimum liability coverage includes:
- $25,000 for bodily injury or death per person
- $50,000 total for bodily injury or death per accident
- $25,000 for property damage per accident
According to a 2019 study by the Insurance Information Institute (III), roughly 19.5% of Alabama motorists are uninsured. However, you could be in a traffic accident with an out-of-state driver.
Alabama’s neighbor, Mississippi, had as many as 29% uninsured motorists, almost one out of every three drivers. Our uninsured motorcycle accident attorneys in Mobile can help you recover your losses after your accident.
For a free legal consultation with a Uninsured Motorcycle Accident lawyer serving Mobile, call (251) 298-8380
We Will Advocate for You After Your Motorcycle Accident
If you were injured or lost a loved one in a motorcycle wreck, we will advocate for your rights. A uninsured motorcycle accident attorney in Mobile can:
- Launch an independent investigation
- Gather and preserve evidence
- Interview witnesses
- Review your auto insurance policy
- Assess the uninsured driver’s assets
There is no reason to fight for compensation on your own. Our dedicated team will ensure you qualifying damages are paid by your auto insurance company or the at-fault driver.
Accident Expenses You May Be Able to Recover
After suffering an uninsured motorcycle accident, or losing a loved one in a motorcycle wreck, you understand your rights. You may be able to recover financial expenses and losses such as:
- Medical bills
- Future care and treatment
- In-home nursing care
- Assistive medical equipment
- Long-term disability
- Lost income
- Reduced earning capacity
- Mental anguish
- Funeral and burial expenses
Every collision will result in different damages. When a motorcycle is in an accident with a larger vehicle, the result can be catastrophic.
According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists are 29 times more likely to die in a crash than car passengers. Let us review your accident-related expenses to determine what you may be able to recover.
What does Uninsured Motorist Insurance Cover in Alabama?
Uninsured motorist insurance coverage is voluntary in Alabama. In essence, this coverage takes the place of the other driver’s insurance coverage when you are in an accident with an uninsured driver or suffer a hit-and-run accident.
So long as you didn’t opt out of this coverage in writing, this uninsured motorist insurance can benefit you immensely. Uninsured motorist insurance provides you with up to $25,000 bodily injury coverage per person or up to $50,000 per accident.
Is an Uninsured Driver Always at Fault?
Alabama is a fault state. This means the driver who is at fault is financially responsible for injuries or property damage. Typically the insurance company of the at-fault driver will pay for the other driver’s damage.
You may think an uninsured driver is automatically at fault in car crashes. However, that isn’t the case. When you are in a collision, fault falls on the driver who caused the accident.
However, driving without insurance is state mandated. Any driver caught without auto insurance will face penalties. Depending on the number of offenses, driving without insurance can result in:
- $500–$1,000 fine
- 180 day suspension of driving privileges
- Three to six months of jail time
Morris Bart & Associates, LLC Is Here for You
Legal deadlines apply to your case so call Morris Bart & Associates, LLC today. We’re available to take your call 24/7. Get a free consultation with an experienced Mobile uninsured motorcycle accident attorney.
We understand how difficult it can be to file an injury claim while scheduling doctor’s appointments. Our team can take over the legal proceedings of your case so you can concentrate on more important matters. We will keep you informed and address any concerns you may have.
Questions?Call (251) 298-8380
to find a Morris Bart office near you.