The Uninsured Motorist Insurance Option

When deciding what coverage to include in your insurance policy, Uninsured/Underinsured Motorist (“UM/UIM”) insurance should always be included. This policy can provide a large amount ($200,000.00-$500,000.00) of coverage for a relatively small amount of money. This insurance is essential; it activates when the at-fault driver does not have insurance or does not have enough insurance to cover your losses. If you don’t know if you have UM insurance, chances are that it is included in your policy. The law requires the insurance company to obtain your signature rejecting the coverage in order to exclude it from your policy. Almost 20% of Alabama drivers are uninsured, despite the law requiring all drivers to carry liability insurance. Additionally, a minimum policy only provides $25,000.00 in insurance coverage. Medical bills, lost wages, and other damages can add up fast in a car wreck. It is important to ensure that you have enough coverage to protect you in the event that you get in a wreck. Uninsured motorist coverage protects you from situations where you would otherwise be left with a giant bill and no way of paying it. If you find yourself in a situation like this and feel that you need a lawyer, then give us a call. The lawyers at Hodges Trial Lawyers would be happy to discuss your personal injury case with you.