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UM/UIM Coverage

February 8, 2016

We recently settled a case for a nice fellow that was knocked from the roadway by an unidentifiable vehicle. Our client was catastrophically injured and is truly lucky to be alive. Since we could not identify the vehicle (we call those “phantom” vehicles), we had no choice but to pursue his Uninsured/Underinsured or “UM/UIM” coverage. Uninsured coverage protects you when you are injured by another party and that party, like the phantom vehicle, has no insurance. Underinsured coverage protects you when the negligent driver does not have enough insurance. In this case, our client did not have nearly enough UM/UIM coverage to cover his damages. It is not uncommon to get in a motor vehicle accident and incur $100,000.00 in medical bills. If you are out of work for any length of time, your economic damages alone could be even more. We recommend that client’s carry a minimum of $200,000.00 in UM/UIM coverage or the maximum that your carrier will allow you to purchase. With so many vehicles uninsured in Alabama, it is some of the best money you can spend.

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.