Question: What is uninsured motorist coverage in Alabama?
Answer: Uninsured motorist coverage is insurance that may protect you when the at-fault driver has no insurance, not enough insurance, or cannot be identified in certain cases.
Complete Explanation:
Alabama auto policies generally include uninsured motorist coverage unless it is rejected according to law. UM/UIM coverage may be one of the most important protections available after a serious crash because Alabama’s minimum liability limits may be too low to cover major injuries. Underinsured motorist coverage may apply when the at-fault driver has insurance, but the limits are not enough. Coverage analysis can be complicated, especially when multiple vehicles, household policies, passengers, or stacking issues are involved.
