uninsured motorist bodily injury

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Alabama drivers are required to carry certain minimum liability insurance limits. All too often, drivers either fail to keep insurance in place, or chose to drive without it or do not have enough coverage to pay for the damages they cause.  These drivers are known as uninsured motorist.  

The State of Alabama follows a tort system, which means that someone will always be found at fault for causing an accident. Once the "at fault" party is determined, they can be held liable along with their insurer, to provide monetary compensation for damages resulting from the accident.

Required Coverage according to the Alabama Department of Revenue:  

Link http://tinyurl.com/r6la2ee to it's public brosure. 

All personal vehicles in Alabama require the following MINIMUM liability coverage requirements:

· For Bodily Injury $25,0000.00 per person/$50,000.00 per accident

· For Property Damage $10,000.00 

· Additional insurance coverage can include:

• Uninsured / Underinsured Coverage
• Comprehensive and Collision Coverage

Uninsured or Underinsured covers you if you are involved in an accident with someone who does not have insurance or does not have enough coverage to cover all of the damages. This extra coverage will pay for expenses exceeding what is covered by the "at fault" person’s coverage.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

• Get a standard liability car insurance policy
• Post at least $50,000 to receive a Motor Vehicle Liability Bond
• Post at least $50,000 to receive a Certificate of Cash Bond

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

• Insurance ID card
• The declaration page of your insurance policy
• Copy of insurance policy, premium receipt or binder
• Copy of your Motor Vehicle Liability Bond
• Copy of your Certificate of Cash Bond
• Copy showing proof of your vehicle purchase and your old insurance card (this is only valid for 60 days after the purchase of a vehicle)
• Copy ofyour rental agreement (if the vehicle is being rented)

You must maintain proof of insurance and financial responsibility and present it:

• When  asked by a police officer
• After an accident
• When registering a vehicle
• Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance when asked, you can face the following penalties:

• First offense – Suspended vehicle registration and reinstatement fee of $100 once you can show proof of insurance
• Second or subsequent offense – Suspended vehicle registration for 4 months and reinstatement fee of $200 once you can show proof of insurance
• Additional fines may be applied including a fine up to $500 for a first offense and up to $1,000 for subsequent offenses. Second or subsequent offenses may also result in the suspension of your
      driver’s license for 6 months.  

If you  or a loved one has been injured by an uninsured driver, a hit and run driver, or someone without adequate insurance, call us for a free, no obligation consultation.