In Alabama and in every state of the country, all vehicle owners are required to carry auto insurance in the event of a car accident. Unfortunately, not only do many people not have insurance coverage, there are others who only carry the minimum amount (i.e. $25,000 for bodily injury per person, $50,000 for bodily injury per crash, $25,000 for property damage). This means if you are involved in a collision with an insured driver, you are liable to pay for any damage to your vehicle and your own medical expenses.
If you were injured in a car accident caused by an uninsured or underinsured motorist, our Daphne personal injury lawyer at Elizabeth A. Citrin, P.C. is dedicated to helping you recovered your entitled compensation to pay for medical bills, lost income from missing work, as well as pain and suffering. We understand how devastating these types of collisions can be, which is why we will figure out all your legal options to maximize the award you deserve. Do not pay for the injuries caused by someone else.
The Importance of Uninsured Motorist Coverage
If you are struck by an uninsured or underinsured motorist, having an uninsured motorist (UM) or underinsured motorist (UIM) policy can provide coverage for medical expenses, lost wages, and non-economic damages such as pain and suffering. The type of coverage provides you with the compensation the at-fault driver should’ve been liable for if he/she possessed auto insurance.
UM/UIM coverage is optional in Alabama; however, it is wise to obtain the coverage in the event of such an accident. According to the Insurance Information Institute, it recommends having at least $100,000 of coverage per person and $300,000 of coverage per collision. A serious or catastrophic injury could easily cost hundreds of thousands of dollars—with costs for repairs and other damages on top of that.
Without coverage, you may be able to recover financial compensation by filing a personal injury lawsuit against the at-fault party. Yet, drivers who can’t afford an adequate amount of insurance generally don’t have the assets to provide sufficient financial relief for injury victims, who often turn to their own insurance company for compensation.
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Although many people believe their insurance company is looking out for their best interests, the truth is it is looking out for its own. In order to make profits from your premiums, insurers will typically try to find any way to reduce or deny our claim entirely.
To avoid getting taken advantage of by the insurance company, our Daphne personal injury attorney can be the light at the end of the tunnel. Throughout the legal process, we will protect your rights and best interests while you recover from injury.
Contact us and discuss your case with Elizabeth A. Citrin, P.C. today.
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