An Alabama driver’s license and the requirements involved with operating a vehicle within the state carry responsibilities every driver and vehicle owner must follow. When an uninsured driver crashes into you, determining your options for civil litigation is best left to a Birmingham uninsured car accident lawyer.
Pursuing compensation for your injuries when the accident involved an uninsured motorist generally involves taking on your own insurance company. Our legal team is aware of the tactics insurance companies use to avoid payment or to underpay on claims.
If your insurance company is failing to honor your policy during this difficult time, we may be able to help. At the Morris Bart law firm, we offer free case evaluations and we work on a contingency-fee basis. This means you owe us nothing if we do not win your case. Start your journey to justice by contacting us today at (205) 380-4158.
Uninsured Motorist/Underinsured Motorist
Alabama law requires that liability policies must include uninsured motorists and underinsured motorists, otherwise known as UM/UIM coverage. The minimum amount of coverage allowed is $25,000.
Recent changes to state law include reduced penalties for drivers who drive with no insurance according to a report in AL.com. Drivers caught for a second time within a four-year period previously faced a four-month suspension of registration. The new law removes that suspension, providing the driver provides proof of insurance and pays any associated fines.
While state law requires that insurance companies offer the UM/UIM coverage, motorists may opt-out of the coverage. The clause allowing the ability to opt-out may seem like a way to save money when in fact, it can result in expensive medical bills and no coverage when you need it most.
For a free legal consultation with a Uninsured Car Accident lawyer serving Birmingham, call 800-537-8185
Uninsured Motorists and Your Injuries
Approximately 1 out of every 8 drivers in the United States is uninsured. Research published by the Insurance Information Institute found that Alabama ranks 6th in the nation in the number of uninsured drivers.
Serious injuries often involve extended hospital stays, future surgeries, therapies, and in some cases, the need for ongoing medical and personal care. If your loved one experienced a catastrophic injury like that of a traumatic brain injury, they may require 24-hour care for the rest of their life.
A skilled nursing facility is very expensive, with an average cost of $8,365 per month. If you paid for extra coverage on your auto insurance policy and now find yourself in desperate need of using the benefits with no luck, a Birmingham uninsured car accident lawyer may be able to help.
Call the Morris Bart law firm today at (205) 380-4158 for a free case evaluation.
Birmingham Uninsured Car Accident Lawyer Near Me 800-537-8185
Insurance Companies and Why You May Need a Personal Injury Lawyer
Insurance companies are for-profit businesses. The more claims they need to pay, the fewer profits for the company’s bottom line. While no business should place profits before people, it is a tactic that many companies use to avoid honoring claims.
An insurance policy is a legally binding contract between an insurance company and a consumer. When the insurance company fails to return your calls, tries to deny your claim, or attempts to purposely delay the process, you may consider hiring a lawyer.
As personal injury lawyers, our legal team has experience dealing with insurance companies. This experience has taught us the tactics they use to make a tough time even more challenging for accident victims.
At the Morris Bart law firm, we fight for our clients and their right to the coverage included with their policy.
We also understand that this is a very trying time for you and your family. That is why we strive to maintain an open door of communication so that you never have to wonder about the status of your case.
Protect Your Best Interests by Securing Legal Representation
A serious car accident can happen to anyone, anywhere, and at any time. Whether you have UM/UIM coverage may not be enough when it comes to your medical bills, lost wages, and other damages.
Pursuing a civil lawsuit against the uninsured driver responsible for your injuries is something to consider. However, in most cases, a driver without insurance most likely does not have the funds to pay you compensation.
Paying for the extra coverage on your Alabama liability policy is a smart idea for added protection in the event you encounter an uninsured motorist. If you have the coverage and experienced serious injuries in an accident caused by a motorist with no insurance, your insurance company must honor your policy.
Your injuries leave you no time to try and handle the details of your claim. Focusing on your medical treatment is your top priority—representing your best interests is our top priority.
An uninsured driver can crash into you due to driving drunk, distracted, drowsy, or due to speeding. If they face criminal charges for their actions, it has no bearing on your auto policy and whether your insurance company must honor it.
It is important that you reach out to a Birmingham uninsured car accident lawyer as soon as possible. Researching your case takes time and involves pursuing your insurance company representatives until we get answers. While we are able to settle most cases out-of-court, we are prepared to go to trial if necessary.
We all take a risk when we get behind the wheel. While pursuing civil litigation against the uninsured or underinsured driver may not be a viable option, your insurance policy may protect your financial needs.
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Contact a Birmingham Accident Lawyer
You purchase uninsured or underinsured policy coverage to protect you and your family. When a tragic accident occurs, you expect your insurance company to come through for you.
If you experienced serious injuries due to an uninsured driver, contact the Morris Bart law firm now for a free case evaluation by calling (205) 380-4158. You owe us nothing up front. We only collect our fee if we secure compensation for you. Protect your future medical and financial needs by reaching out to us today.
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