Articles Tagged with uninsured

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16687020074_db03aa8ce2_z-300x171Alabama has a significant problem with uninsured drivers. At our firm, we help families suffering because of a personal injury. Car accidents and commercial truck crashes cause many of the injuries we see. Imagine suffering a severe injury only to learn the responsible person has no insurance to help with your damages. That is the scenario many hurt individuals face. Too often, negligent drivers causing injuries on our highways are uninsured. That’s why our firm has long advocated that you purchase sufficient uninsured / underinsured motorist coverage to protect yourself and your family.

Want to know more about why you need sufficient uninsured/underinsured motorist coverage? You can read an article we wrote earlier this year titled Alabama Drivers Need Uninsured Motorist Coverage. You need adequate uninsured/underinsured coverage (also frequently called UIM coverage) to protect your family against both uninsured and underinsured drivers. Too many insured drivers carry the minimum amount possible which is unlikely to compensate you fully for any serious injury.

How bad is the problem of uninsured drivers in Alabama? The Insurance Information Institute has compiled some startling statistics. According to their statistics, Alabama ranks in the top 10 for the most uninsured drivers on the road. That’s certainly not a good category in which to rank within the top 10. In 2015, approximately 18.4% of the drivers in Alabama were uninsured. That’s a huge percentage of people driving cars all around you each day.

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A car crashes into you. You suffer personal injuries. You suddenly face problems with medical bills, pain or wage losses. Then, you discover another problem. The at-fault driver has too little or no insurance for your damages. This problem is not rare. It happens more than you think. Many drivers do not have the insurance necessary to cover the harm their negligent driving may cause.

Alabama law requires every driver to have liability insurance. But, the law requires only small limits of coverage. Some drivers choose to ignore the law and drive without coverage. Other drivers purchase only the bare minimum amount. That amount is far less than needed to cover the damages for anyone with a significant personal injury. Many injury victims have medical bills that exceed the minimum liability coverage limits required by law.

I wrote a series of articles in prior years discussing Alabama’s problem with uninsured drivers. These articles also detail efforts by Alabama officials to create a system of insurance verification – a system that would catch drivers who choose to ignore the law and put the rest of us in danger. When I wrote my first article on the topic in 2011, officials estimated up to 25% of Alabama’s drivers did not currently possess insurance coverage. In 2016, Governor Bentley announced the rate of uninsured drivers had dropped significantly. Yet, it still remains too high. You can read some of my prior articles at my other blog, The Alabama Litigation Review.