Question: What if the at-fault driver has no insurance?
Answer: Your own uninsured motorist coverage may apply if you have it and did not reject it.
Complete Explanation:
Alabama requires liability insurance, but not every driver follows the law. If the at-fault driver has no insurance, your uninsured motorist coverage may help pay for bodily injury damages. UM coverage may also apply in certain hit-and-run situations. You should notify your own insurance company, but be careful because your own insurer may become adverse to you on the UM claim. An attorney can review your policy and identify all possible coverage.
