What if the other driver has no insurance?
Answer: You may still have a claim through your own uninsured motorist coverage, other household policies, vehicle policies, or additional responsible parties.
Complete Explanation:
An uninsured driver does not automatically mean there is no recovery. Alabama UM coverage may protect injured drivers and passengers when the at-fault driver has no liability insurance. Coverage may also depend on whether the injured person was a named insured, resident relative, passenger, pedestrian, or occupant of a covered vehicle. In some cases, multiple policies may need to be reviewed. If the crash involved a commercial vehicle, defective vehicle, dangerous roadway condition, employer, or negligent entrustment, additional claims may exist. A coverage review is essential before assuming there is no money available.
