Insurance agents will tell you about the insurance policies they offer. They will tell you the easiest way to pay your bill. They will also tell you what minimum coverage is required in your state. But they might not tell you how important it is to opt into uninsured or underinsured (UM/UIM) coverage.
Problem: Many drivers carry only bare-bones liability coverage.
In Alabama, drivers are required to carry a minimum of $25,000 per person and $50,000 per accident in liability coverage, which pays out when the insured driver is at fault. This means if you are rear-ended by a distracted driver, that driver’s $25,000 in liability coverage might take care of your injuries and property damage – but it’s hardly enough coverage if there are broken bones, an overnight hospital stay, or permanent injuries. So how do you protect yourself?
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Solution: UM/UIM is the most important coverage of your policy.
Precisely because minimum liability coverage is so, well, minimal, Alabama requires all insurance policies to include an optional $25,000 in UM/UIM coverage. If you are in an accident in which the at-fault driver had no liability insurance at all (uninsured) or did not have enough liability insurance to cover your damages (underinsured), your UM/UIM coverage, if you opted for it, kicks in. Unfortunately, some insurance agents fail to mention how important it is to opt for this affordable extra coverage, and many accident victims don’t realize they haven’t got it until it’s too late.
If your coverage comes up short, don’t give up – get an attorney!
In the case of a severe car accident, there might still be a shortage of coverage, even after liability and UM/UIM limits are met, and an accident victim could be left to pay these bills out of pocket regardless of who was at fault for the accident. This is your cue to get a good lawyer! Morris Bart attorneys have the knowledge and experience to negotiate with insurance adjusters and medical representatives on your behalf to possibly mitigate some of these out-of-pocket costs, and we’ll fight for your right to get the compensation you need to get back on your feet after a traumatic car accident.
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