- November 30, 2011
- Car Accident
Although Alabama law requires every driver to have at least the minimum liability insurance ($20,000) to protect victims of injuries caused by a negligent driver, statistics show that nearly 1/3 of Alabama drivers are uninsured. We tell clients that it is basically a "coin-flip" whether the car that hits you is properly insured.
We advise our clients to immediately contact their own insurance agent and increase their levels of UM and UIM (uninsured motorist and underinsured motorist) coverage just in case the driver that injures them does not have any insurance, or does not have enough insurance to cover the personal injuries that they caused in an auto wreck. By the way, UM/UIM rates are extremely inexpensive, but can make all the difference in the world if you are seriously injured in a wreck.
Our firm can also assist you in determining exactly how much you are entitled to recover in a UM/UIM situation. Never trust the insurance company claims department to tell you the whole truth about the value of your claim, whether it is the driver's company, or even your own!