I like to answer consumer questions in a couple different legal forums. The more information we can provide our neighbors to help them with legal decisions — the better. Someone recently asked me if I knew people who had suffered due to uninsured / underinsured drivers. The answer is, YES.
I know many people in Alabama who have needlessly suffered due to a lack of insurance for their injuries. In the last year, I’ve had to talk with two different families in this exact situation where the medical bills, alone, exceeded a million dollars. Yet, in each situation, the at-fault driver carried only minimal automobile insurance. These are difficult conversations to have with hurting or grieving families. It is difficult to tell a hurting family that they cannot recover even a real fraction of their losses.
Alabama law only requires drivers to carry a minimum amount of liability insurance. Right now, that minimum amount is $25,000. Let’s put that into perspective. If you are badly hurt in a wreck, a helicopter ride to the hospital, by itself, will likely consume this entire amount. Yes, I’ve had this situation in several different cases. The bills from a regular ambulance ride and emergency room visit will consume a significant portion of the minimum limits. In any case involving a serious injury, the minimum limit of $25,000 is far, far too low. Your damages in any serious personal injury will exceed that amount.