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Why do I need Uninsured Motorist Insurance on my auto policy?

More than 25% of Alabamians do not have auto liability coverage. Even if a driver is insured, their liability limits often are inadequate to cover your damages if you are in an accident. If you are injured by an uninsured motorist (or one without adequate coverage), you will only be able to recover under your UM coverage. When you make a UM claim, your UM carrier essentially acts as if it were the at-fault driver. Unless you opt-out, your policy provides benefits. Alabama requires insurers to provide $25,000/$50,000 in coverage, meaning an injured party will only be entitled to $25,000 for his injuries. Medical bills alone often exceed that. Therefore, the higher the UM limits, the better insured you are. You can usually increase your limits for a nominal charge. Given the high number of uninsured motorists in Alabama, this may be the most important coverage in your policy.

Additionally, you may want to increase your Auto Liability Limits. Alabama only requires $25,000/$50,000 in liability coverage. If you are at fault for an accident, your insurance is only required to pay up to $25,000 for each injured party’s damages, with an overall cap of $50,000 for everyone’s total damages. As explained above, medical bills alone often exceed $25,000. Accident victims often also have other damages including lost wages, pain and suffering, loss of earning capacity, and mental anguish. In order to insure that you will not be personally responsible for damages exceeding your liability limits, you should increase your limits of liability coverage if possible.

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