You stopped at a red light on highway 280. Suddenly, a speeding vehicle slams into your car from behind. In an instant, your car is totaled, and you’re seriously injured.
When the police arrive, they discover that the other driver is drunk and underinsured. Or, they lack coverage entirely. This is not a hypothetical scenario. Unfortunately, it happens to innocent drivers every day. Learn how to protect yourself against uninsured drivers in Alabama.
The Differences Between Uninsured and Underinsured Drivers
Uninsured drivers have no insurance at all. Zero auto liability insurance is illegal in every state and the District of Columbia, except for New Hampshire. That doesn’t stop drivers from doing it. According to the Insurance Research Council (IRC), 1 in 7 motorists were uninsured in 2023.
In comparison, underinsured drivers do have coverage, but it isn’t enough. Their policy limits may be the state minimum. Minimums often fail to cover the full cost of significant damages. Losses could include your ambulance ride, medical expenses, and rehabilitation.
How to Defend Yourself Against an Underinsured Driver
You can’t control other drivers, but you can control your policy. When you purchase automobile insurance, you should follow these three steps to shield your finances.
1. Always Purchase Alabama Uninsured/Underinsured Motorist Coverage (UM/UIM)
Insurance agents might tell you that rejecting this coverage will lower your monthly bill. Do not listen to them. Rejecting coverage usually reduces your premium by less than 10%. But you’re exposed to 100% of the risk. Plus, there are certain Alabama UM/UIM insurance requirements.
2. Buy as Much Coverage as You Can Afford
The national average cost of car insurance is $193 a month. Recovering after a car accident will always cost more. Increasing your UM/UIM coverage is cheaper than you think. You’re buying cheap protection against an expensive problem.
3. Check if You Can “Stack” Your Coverage
In many states, you can “stack” your uninsured motorist coverage based on the number of vehicles on your policy. Ask your insurance company about stacking options.
What to Do After an Accident With an Underinsured Driver
When the worst happens, you need to take the right steps. This includes seeking medical treatment, collecting evidence, and hiring the best attorney.
1. Seek Medical Treatment and Report the Accident
Your safety always comes first. Even if you feel “fine”, you should go to the doctor. Medical records strengthen your claim, especially if the insurance company tries to deny it. Remember to report the accident as well.
2. Hire an Experienced Car Accident Attorney
Navigating the aftermath of an auto accident is difficult enough. Don’t do it alone. An experienced attorney makes all the difference, especially when filing an insurance claim. With more than 24 years of experience, our law firm is ready to help.
3. File a UM Claim in Alabama
You deserve full compensation for any losses after your injury, including medical bills, lost wages, and pain and suffering. Your insurance company will try to lowball you. Our attorneys won’t let that happen.
Our Car Accident Attorneys Fight for You
At Alexander Shunnarah Trial Attorneys, we believe you shouldn’t have to pay for uninsured drivers in Alabama. We have the resources and the experience to fight for the maximum compensation you deserve. Call us today for a free consultation. You don’t pay unless we win.
