Why You Need Uninsured/Underinsured Motorist Coverage



Why You Need It If you’re in an accident and the other driver is uninsured or doesn’t have enough insurance, will you be covered? If you have uninsured/underinsured motorist protection (UM/UIM), the answer is probably “yes.” Many auto insurance industry experts recommend choosing this option. You might think that because your state requires auto insurance, most people have it. However, Alabama has one of the highest rates of uninsured drivers in the entire country. What Is UM or UIM? Uninsured or underinsured motorist coverage can pay for injuries to you and your passengers when there is an accident and the other driver is both legally responsible for the accident and considered “uninsured” or “underinsured.” An uninsured driver is someone who did not have any insurance, had insurance that did not meet Alabama’s minimum liability requirements, or whose insurance company denied their claim. A hit-and-run driver is also considered an uninsured driver under Alabama law. An underinsured driver is someone who met minimum legal financial responsibility requirements but did not have payment limits high enough to cover the damage they caused. In these cases, UM or UIM can pay you for your damages. Is UM/UIM Required? Alabama does not require UM/UIM […]


Why You Need To Quickly Consult With An Experienced Lawyer After A Serious Injury



If you have been seriously injured in a motor vehicle accident because of another party’s negligence or recklessness, you have grounds for a lawsuit. The statute of limitations in Alabama for filing such a lawsuit is two years. While it is important to heal properly after surgery or other treatments, consulting a personal injury attorney promptly should also become a top priority. That’s because if witnesses are not interviewed and evidence collected quickly, memories fade and evidence disappears. This could affect the outcome of your lawsuit and is a major reason why contacting a personal injury attorney as soon as possible is crucial. How Professionals Help Professionals working for a personal injury lawyer investigate all aspects of a car crash. Our firm has a full-time investigator who is a retired police officer. He investigates all our cases involving serious injury. That includes going to the scene of the accident to find and photograph skid marks, roadway gouges, debris, and similar material. He collects statements from eyewitnesses and interviews investigating police officers while their recollections are fresh and photographs of the damaged vehicles are taken. Waiting to consult a personal injury attorney could mean that much of this evidence is no […]