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What Happens If the Other Driver Doesn’t Have Enough Insurance in Alabama?
When the driver who caused your accident doesn’t carry enough insurance, your own policy may be the most important safety net you have. This article explains how uninsured (UM) and underinsured (UIM) motorist coverage works in Alabama, including what each one covers, how they fit alongside the state’s minimum liability limits of $25,000 per person and $50,000 per accident, and why those minimums often fall short after a serious wreck. It walks through how UM/UIM claims are filed against your own insurer, what you have to prove to recover, and how Alabama’s strict contributory negligence rule can affect your case even when you’re the one who was hurt. It also covers the settlement steps that matter most in UIM cases, including why you should never sign a release from the at-fault driver’s insurance company without first notifying your own UIM carrier. Along the way, it answers common questions about coverage limits, premiums, passengers, and the right time to review your policy, all aimed at helping Alabama drivers understand where they stand before an accident ever happens and what to do if one already has.
