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The Uninsured Motorist Insurance Option

May 20, 2016

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.

A Message to Our Clients About Coronavirus COVID-19:
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A Message to Our Clients About Coronavirus COVID-19

At Hodges Trial Lawyers, P.C. we view the safety and well-being of our clients, staff and business partners as our highest priority.

The situation regarding the COVID-19 virus is continually changing, and we are following all recommended guidelines to stay healthy.

Currently, our law firm is remaining open and working to serve your legal needs. We are, however, limiting in person meetings to comply with social distancing recommendations.

We are happy to arrange for phone or video consultations should you have any concerns about keeping your scheduled appointments with us. We are also able to exchange documents via secure drives or email. We will continue to diligently represent our clients, even if we have to do so remotely.

Should you have any concerns, please contact us online or call/text us at 256-539-3110.

Thank you and stay safe.