Uninsured/underinsured Motorist Coverage

In Alabama drivers are given an option to elect to be covered by uninsured/underinsured motorist insurance.  In order to deny this coverage you must do so in writing on your policy.  Uninsured/underinsured motorist coverage provides additional insurance coverage in situations where an at fault driver is either uninsured or does not carry enough insurance to cover the full amount of the damages and injuries caused by the accident.  In many instances in Alabama driver’s only have $25,000.00 worth of coverage for an accident.  If the injured Plaintiff’s damages exceed $25,000.00 to include medical bills and pain and suffering than the Plaintiff is responsible for putting his insurance carrier on notice as soon as possible about the possibility of collecting uninsured/underinsured policy provision.  In order to settle with the tortfeasor, the Plaintiff must first seek permission from his or her insurance carrier.  An insured that has multiple vehicles on a single policy can “stack” the vehicles coverage up to 3 vehicles.  In other words if the insured has a $100,000.00 uninsured/underinsured policy and 3 cars on the policy, the insured can collect up to $300,000.00 in additional insurance coverage above and beyond what the tort are or has in coverage.