Alabama has a huge problem with uninsured and underinsured drivers. While Alabama law does require liability coverage, the law lacks needed enforcement. And, our law only requires minimum limits far too little for any serious personal injury or death. Because of this, car accident victims are often left without the compensation needed for their medical care or disabilities.
I’ve written several articles about the problems caused by Alabama drivers who don’t have liability insurance. Because of this issue, several Alabama legislators have worked to develop a system of instant verification. That’s a great first step. While important in keeping totally uninsured drivers off our roadways, instant verification does not completely resolve the problem. That system does nothing to resolve the problem created when a driver with insurance, but not enough insurance, causes an accident.
What if you suffer a disabling injury in a car accident caused by another driver? Suddenly, you cannot work. You are faced with huge medical bills. Then, on top of that, you discover the other driver had only $50,000 in insurance coverage. That coverage is certainly not enough to compensate you for a disability that causes you to be unable to work for the rest of your life. It covers only a fraction of your damages. If you suffer any significant injury, that is far too little coverage. Alabama currently only requires liability coverage in the amount of $25,000. That minimal amount is basically exhausted with a helicopter ride to the hospital or any significant testing in the emergency room. What can you do? How should you protect yourself from an at-fault driver who possesses minimum $25,000 liability limits? For that matter, how should you protect yourself from an at-fault driver who possesses a little higher liability limits of $50,000 or $100,000. After all, we are still talking far, far too little for any serious accident. Think about the impact on your family of an injury that prevents you from working. Think about the impact on your family of an injury that requires major surgery or a period of rehabilitation.